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Reducing Risks on ZELLE® Network

Tips to avoid fraud and scams

In this year of uncertainty, First International Bank & Trust (FIBT) is actively working to reduce your risk of fraud. Regrettably, fraudsters are taking advantage of this pandemic using fear and uncertainty to victimize consumers.

Through the work of our experts, we have uncovered a new Social Engineering scam in which fraudsters are reaching out via text message (SMS) to consumers mobile devices to ‘alert them about a suspicious transaction’. There is no suspicious transaction, instead the fraudster is baiting the consumer. If the consumer responds to the bait text, the fraudster will then call the consumer who may unknowingly give out their online banking credentials. They will then register for Zelle and attempt to send payments out of your account.

Here at FIBT, we have elevated our fraud detection rules to enhance your security and stop these fraudsters, but it’s important for you to be vigilant with your information and protect your bank accounts by following these tips and best practices.

• FIBT will never call you to request information you received via text (SMS) or pressure you to reset your online banking log in password.

• Do not trust Caller ID; Caller ID may be modified to show your Financial Institution’s name.

• Do not provide your online banking log in credentials, one-time password, account number or personal information by email, text or phone call. Reach out to FIBT to confirm if a request is legitimate.

• Do not give information over the phone if you receive a call stating that a transaction is cancelled, even if the caller claims to be from your financial institution. Once again, contact FIBT to inquire about the transaction.

• Do not click on links in unsolicited emails or texts.

• Do not give an unsolicited caller remote access to your computer.

If you are ever in doubt, please contact our customer care center at (800) 359-8092 to confirm the request is legitimate.

Weekdays: 7:30 AM – 8:00 PM (CST)

Saturdays: 8:00 AM – 2:00 PM (CST)

Stay alert and do not hesitate ask if a text (SMS), email, or phone call feels suspicious. Here at FIBT, your safety and security are top of mind.

*Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Personal Banking, Security