Scammers are Getting Smarter

That’s why First Citizens’ wants to help you stay safe in the always-changing world of digital security. We want to ensure all of our members are not only notified of the latest scams, but also educated on the types of fraud that exist. The more you know, the more likely you will be able to spot an attempt.

Frequently Asked Questions


What is Identity Theft?

Identity theft occurs when someone illegally obtains your personal information (such as your name, Social Security number, account numbers, or other identification) and uses it to open new accounts and/or conduct transactions in your name. Essentially, they try to become you.

What is Online Fraud?

Online fraud occurs when someone unlawfully obtains your personal information (such as your name, Social Security number, account numbers, or online banking login and password) and makes unauthorized transactions on your bank, loan, or credit card accounts. Often called "phishing" or "spoofing," the most current methods of online fraud are fake emails, websites and pop-up windows.


How can I report suspicious activity?

We ask that our members please be diligent in managing their accounts and continue to be on the lookout for fraudulent activity. If you notice anything suspicious regarding your accounts or if you feel your debit card information may have been compromised, please contact our Contact Center at 1-800-642-7515, Monday-Friday 8 AM-5 PM & Saturday 8 AM-1 PM.


How can I prevent fraud?

  • Shred junk mail, outdated tax papers, statements, and other documents with your personal information on them
  • Do not give out personal information to unknown third parties, especially to someone you were not expecting to contact you
  • Never share your online banking username, passwords, or PIN with anyone
  • Check your account transactions often using online banking, our mobile app, or review your statements to spot unusual activity
  • Review your credit report at least annually
  • Keep only the cards and IDs you really need in your wallet in case you lose it

How can I spot phishing text messages?

  • If you don’t have an account at the financial institution mentioned in the text, you can likely ignore the message. Scammers send messages to every phone number in a specific area hoping some of them take the bait and respond.
  • If there are obvious spelling or grammar errors, strange spacing, or an unusual sender name, First Citizens' is unlikely to make these types of mistakes in their official communications.
  • If the link doesn’t look like First Citizens' regular website address (, don't click on it. Scammers can set up a unique website address in a matter of minutes. They often use website addresses that mimic a real website to trick victims, but if you look closely there can be obvious errors.

In addition to all of these fraud tips, you can also take action and report fraud scams and bad business practices on the Federal Trade Commission Website.

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