Believe in protecting what matters.
We want every customer to feel confident and protected when managing their finances. It’s important to stay alert — fraudsters often use phone calls, text messages, or emails to try to gain access to your personal information, so always take a moment to verify before responding. If something doesn’t seem right, trust your instincts and contact us immediately — our team is here to help you take quick action and keep your information secure.
With complementary tools like online/mobile banking, card controls and Zelle, you can monitor your accounts in real time, and take control of your cards by setting alerts, turning them on or off, and quickly reporting suspicious activity.
For more information, watch our podcast episode on Staying CyberSafe with Your Banking below, or you can listen to Coffee Pod on the go on Spotify.
fraudulent calls/texts/emails
- If you get a suspicious call, simply hang up and contact us directly at (931) 728-1975, or visit us in-person. If it’s outside of office hours, you can call the number on the back of your debit card.
- Do not reply to suspicious texts or emails claiming to be from us.
- Do not give any personal or debit card information over the phone or in a text or email.
- Be cautious of requests for payment to "fix" issues, especially in the form of gift cards or cryptocurrency. Scammers love irreversible payments.
- Do not give anyone your online banking credentials.
- Do not share PINs or one-time passcodes.
- Be wary of AI-driven scams, such as deepfake voice fraud where a fraudster uses the voice of a loved one to scam you.
staying cybersafe
- Update your passwords every six months to a year, using at least 12 characters. Pass-phrases are safer than passwords.
- Enable Multi-factor Authentication (MFA) on any website or app you can.
- If you’re sending money through Zelle, Apple Cash, Google Pay, Venmo, PayPal, or Cash App, ensure you know who you’re sending the money to.
- Check for the “s” at the end of “https” in URLs to ensure the website is safe before browsing.
- Turn off Wi-Fi in public spaces.
- Be wary of online dating scams. Do not share personal or bank information on online dating sites.
- Never share your social security number (SSN).
- Use ATM services at one of our branches, rather than using an outside ATM.
- Update your devices frequently.
before you click that link...
- Do you know the sender? Do not click any links or download attachments from unknown senders.
- Hover over it to inspect the true destination URL.
- Read carefully for urgent language and grammatical errors — this is most likely fraud.
- Be wary of requests for personal information.
- Do not share any personal or banking information.
- Never download unknown apps or software.
- Do not scan random QR codes.
- Verify account status in-person, by calling us at (931) 728-1975, or online at coffee.bank.
Control your card
- Download the Coffee County Bank Mobile App to control your card from anywhere.
- You can lock your card if you suspect fraud may occur or to prevent it from continuing to occur.
- Turn on location services. This will then notify you if your card is used in an unknown location.
- You can control/limit merchant and transaction types and set spend limits.
- Manage travel plans by adding countries and states you plan to visit, so we can keep your card secure.
- You can update your PIN number.
- You can report if your card is lost or stolen.
if you're a fraud ViCtim...
- Contact us, or visit us in-person immediately for assistance. We will issue you a new debit card and assist you with next steps.
- Contact Equifax, TransUnion, and Experian to ensure your credit is safe. Place credit freezes to keep your information protected.
- File a police report.
- Report the fraud to the Federal Trade Commission at ReportFraud.ftc.gov.
- Change your passwords, using at least 12 characters. Pass-phrases are often safer than passwords.
- Monitor your accounts.
- Faster reporting = better outcome.
- Read more tips from Banks Never Ask That to avoid being scammed.
Go paperless
- Digital payments are faster, trackable, and more secure — register for Online Banking and download our Mobile App to better monitor your accounts.
- For our business customers, we offer alternatives to mailing checks, such as ACH Manager and Merchant Capture. We also offer Positive Pay.
- Deposit checks from anywhere using Mobile Deposit on our Mobile App, but don’t deposit checks you receive in the mail, unless you know it’s legitimate.
- Register for eStatements.
- Transfer money between accounts with Transfer Now.
- Rather than mailing bill payments, register for Bill Pay to pay them online.