What To Do If You’ve Been Scammed
We’re here to help you bounce back.
If you think you’ve fallen for a scam, take a breath and follow these steps:
- Immediately change your online banking username and password. Keep this info private—don’t share it with anyone.
- If you downloaded a file or clicked a suspicious link, run a scan using a trusted antivirus program or have a professional check your device.
- Keep an eye on your credit report and dispute fraudulent charges on your account with your financial institution right away.
- Reach out to Signet. Our team is ready to walk you through the next steps and help secure your accounts.
- Using a Signet debit card? Enable card controls and alerts in our mobile app for an extra layer of protection.
Let's Talk Money Safety for Kids! 👋
Getting your kids set up for a secure financial future feels huge, right? But it's actually simpler than you think. We're here to be your friendly guide, helping the next generation learn smart money habits while keeping their accounts totally safe. Think of it as giving them financial superpowers!
Quick Tips: Your Kids' Digital Money Toolkit
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Keep Logins Locked Down 🔒
- The Golden Rule: Never, ever share a username or password. Not with friends, not online, not for anything.
- Password Power-Up: Help them create a strong password that's a cool mix of letters, numbers, and symbols. And the big one: don't reuse it anywhere else!
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Set Up Account Alerts 🔔
- Stay in the Loop: Staying on top of what's happening with their money is key.
- Easy Tracking: Use our app to set up transaction alerts, put simple spending limits in place, or even lock and unlock their card instantly. A quick peek at their account with them every week is a great habit!
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Watch Out for Sneaky Scams 🕵️
- Know the Warning Sign: Teach them that a real financial place will never ask for their password or those special Secure Access Codes. That's a huge red flag!
- Don't Click: If they get an unexpected message or link in a text or email, tell them to be skeptical. The safest thing is always to ignore or delete it.
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Be Smart on Social Media 🤳
- Keep it Private: Remind them that social media is public. They should never post private info like their address, account numbers, or even too many personal details.
- Beware of Free Money: Tell them to be extra cautious if someone private-messages them offering to pay them just to use their picture for "art." That's a super common, weird scam!
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Keep the Conversation Open 💬
- Safe to Talk: Make sure they know you are their safe person. If they get a weird message, click something by mistake, or have a question, they should tell you right away with zero fear of getting in trouble.
How Will Signet Contact You?
We’re serious about protecting your account—and that includes how we communicate with you. Here’s how you’ll hear from us, and what to watch out for.
Phone Calls
Our team may call you if we suspect suspicious activity on your account. We’ll never ask for your full Social Security number, password, or Secure Access Code (SAC) over the phone.
Secure Access Codes (SAC)
You may receive a SAC via text or phone call when logging into Signet Online or Mobile Banking. Never share your SAC with anyone—not even someone claiming to be from Signet.
Debit Card Alerts
Our debit card fraud monitoring team keeps an eye on unusual spending. If they notice anything suspicious, they may reach out by text, email, or phone. These messages will never contain links or ask for sensitive information like your PIN or full card number.
Text & Email Alerts
If you’ve signed up for alerts through the Signet Mobile App, you may receive real-time updates about your transactions or account activity. We’ll never ask you to click suspicious links or provide login details. If you're ever unsure about a message, call us directly at 270-443-5261.
Loan Payment Reminders
If you have a loan with Signet and miss a payment, you might get a courtesy reminder via text or email. These may include a secure payment link—always double-check by visiting our website directly at www.signetfcu.com.
Credit Card Alerts
Our credit card partner may contact you directly if they detect potential fraud. They will never ask for your CVV (three-digit code), full card number, or expiration date.
When in Doubt, Reach Out
If something feels off, stop and call us at 270-443-5261. We’d rather you be safe than sorry.