Protect Yourself from Fraud

In today’s fast-changing digital world, protecting your personal information and avoiding scams can feel overwhelming. At First National Bank of Livingston, your security is a top priority.

We use multiple systems and safeguards to help protect your information, but one of the most powerful tools is awareness. The more you know about today’s fraud trends, the better prepared you are to recognize and prevent them.

Important Reminders

First National Bank of Livingston will never ask for:

Your online banking password
Your debit card PIN
One-time security codes

If anyone requests this information—whether by phone, text, email, or in person—do not provide it.

If you are ever unsure, please contact our team directly. We are always happy to help you determine if something is legitimate.

Be Aware of Phone Spoofing

Scammers can make it appear as though they are calling from a trusted number—even our bank’s number. This is known as phone spoofing.

What to watch for:

Calls that appear to come from our bank
Requests for personal or account information
Urgent or high-pressure language

How to protect yourself:

Do not trust caller ID alone—it can be faked
If something feels suspicious, hang up immediately
Call us back using a number you know is correct

Watch for Text Message Scams

Fraudulent text messages can also be made to look like they are coming from a trusted source.

Red flags:

Messages asking you to click a link
Phone numbers that look similar—but are not exact
Requests for sensitive information

What to do:

Do not click on suspicious links
Do not respond with personal information
Contact us directly if you are unsure

Protect Your Personal Information

Even small pieces of personal information can be used by scammers to:

Open credit accounts
Apply for loans
Access your existing accounts

Understanding how fraud works and taking simple steps to protect yourself can make a significant difference in keeping your finances secure.

If You Suspect Fraud

If something does not feel right, trust your instincts.

Contact First National Bank of Livingston immediately
Visit your nearest branch
Monitor your account activity regularly

The sooner you act, the more we can do to help protect you.

Stay Informed

Fraud tactics continue to evolve. Staying informed is one of the best ways to protect yourself.

We encourage you to continue learning about common scams and ways to prevent them.

First National Bank | Fraud Prevention