Fraud Watch: How to Protect Yourself from Scammers
Active Alert: Number Spoofing & Impersonation Scams
We have observed an uptick in fraud cases involving phone number spoofing. Fraudsters are manipulating Caller ID systems to make phone calls appear as though they originate from your bank. We will NEVER call, text, or email asking you to verify your full card number, PIN, online banking password, or one-time Secure Access Codes (SAC).
WICHITA, Kan., (August 31, 2026) — We have noticed an uptick in fraud cases targeting account holders. We want to let you know what to look for to keep you and your family safe, especially ahead of high-traffic shopping periods and the holiday season, a time when scammers are known to be especially active.
The Scam: Caller ID Spoofing
The biggest culprit right now is spoofing. A scammer disguises their phone number so the incoming call looks to you like it is coming from your bank, then poses as a bank fraud representative to pry loose sensitive credentials.
Why It's Convincing
Spoofing is convincing because everything appears legitimate on the surface. The caller ID displays your bank's verified name or local branch number. The caller already knows your full name and often partial details about where you live.
The scammer creates intense urgency — claiming there is an “unauthorized charge,” “fraudulent wire transfer,” or “compromised debit card” — provoking victims to react out of panic before they have time to think. When the call appears to come directly from your bank, many people understandably do not question it.
What We're Seeing: The Attack Pattern
The reports we have received follow a consistent pattern:
Fake Fraud Alert
The caller claims there is suspicious activity on your card and asks you to “verify” by reciting card digits and CVV.
Triggering Access Code
While keeping you on the line, the scammer attempts to log into your account, triggering a real Secure Access Code (SAC) text to your phone.
Account Compromise
The caller tricks you into reading the code back to them to “cancel the charge,” which actually gives them full access to drain funds.
How to Protect Yourself: Action Checklist
- Hang Up and Call Us Directly: If someone calls claiming to be from the bank about fraud, immediately hang up. Dial the verified number on the back of your card or call Customer Care directly at 888-733-5041.
- Guard One-Time Verification Codes: Treat Secure Access Codes like cash or your physical house keys. No legitimate bank officer requires you to recite your code aloud.
- Do Not Rely on Caller ID: Criminals use VoIP tools to spoof any number they choose, including federal law enforcement and bank headquarters.
- Monitor Your Account Daily: Use online and mobile banking notifications to track debit card transactions and balances in real time.
Think You Have Already Shared Information?
If you suspect you shared sensitive information, account credentials, or a verification code with an unauthorized party, take immediate action: