If you are experiencing debit card fraud please contact our fraud hotline at 833-995-2888.

Protect Your Bank Accounts from Debit Card Fraud

While you may not have any control over hackers and other thieves, there are many things you can control that will help you avoid becoming a victim.

Check your bank statements on a regular basis and report any suspected fraudulent activity to the bank immediately.
The faster you report a problem, the more quickly you can cancel your debit card and prevent additional charges.
Only utilize ATMs that are associated with a bank, stay away from potential “skimming” locations like gas stations or deli kiosks.
If you lose your card or suspect it has been stolen, report it immediately to your bank and cancel the missing card.
Change your pin and password every few months.

FICO Debit Card Skimming.

Significant increases in debit card skimming activity compared to the first half of the year.
The first quarter of 2025 shows no signs of criminal activity slowing down, with striking increases in year-over-year results.
Based on this trend, it is as important as ever for financial institutions to remain diligent in fraud prevention efforts, and customers expect their institutions protect them.
A 2024 FICO survey reported that having better fraud detection systems was the number one action respondents said a bank could take to protect their customers.

FICO Card Alert Service: Product Update June 2025 PDF.

Impersonation Scams:

Did you receive a call from someone claiming to be from OSB's Fraud Department?

Here's what may really be happening:

A scammer contacts you by phone, text message, or email and claims there is fraud on your account. They may tell you that your money is at risk and instruct you to withdraw cash, wire money, or move funds to another account to "protect" your remaining funds. Don’t do it! This is a scam.

The scammer may also tell you not to speak with anyone at the bank because an employee is involved or claim that law enforcement is already aware of the situation.

Remember:

OSB Community Bank will never ask you to withdraw cash, wire money, purchase gift cards, send cryptocurrency, or move funds to another account to protect your money from fraud.

What You Can Do

• Pause and think. Scammers often create urgency and pressure you to act immediately. Take time to evaluate the situation and verify the person's identity.

• Hang up and call OSB directly. Use the phone number published on our website, your account statement, or the back of your debit card. Do not call a number provided by the caller and do not use your recent call list to return the call.

• Speak with bank management. Ask to speak with a member of management to verify any alleged fraud activity on your account.

• Visit a banking center. You are always welcome to visit an OSB Community Bank location and speak with a member of management in person.

• Contact us immediately if you believe you may have provided information or sent money in response to one of these contacts.

Phishing

How to protect yourself from PHISHING

The term “phishing” refers to a scam that encompasses fraudulently obtaining and using an individual’s personal or financial information. This is how it works:

A consumer receives an e-mail which appears to originate from a financial institution, government agency or other well-known/reputable entity.
The message describes an urgent reason you must “verify” or “re-submit” personal or confidential information by clicking on a link embedded in the message.
The provided link appears to be the Web site of the financial institution, government agency or other well-known/reputable entity, but in “phishing” scams, the Web site belongs to the fraudster/scammer.
Once inside the fraudulent Web site, the consumer may be asked to provide Social Security Numbers, account numbers, passwords or other information used to identify the consumer, such as the maiden name of the consumer’s mother or the consumer’s place of birth.
When the consumer provides the information, those perpetrating the fraud can begin to access consumer accounts or assume the person’s identity.

Tips on how to avoid Phishing:

If you receive an unexpected e-mail saying your account will be shut down unless you confirm your billing information, do not reply or click any links in the e-mail.
Before submitting financial information through a Web site, look for the “lock” icon on the browser’s status bar. It means your information is secure during transmission.
If you are uncertain about the information, contact the company through an address or telephone number you know to be genuine.
If you unknowingly supplied personal or financial information, contact your bank and credit card company immediately.
A suspicious e-mail can be forwarded to Click to Send to uce@ftc.gov

Reporting Identity Theft

How to protect yourself from IDENTITY THEFT

Identity theft is a serious matter to OSB Community Bank. If you believe you are a victim of identity theft that has compromised your OSB Community account(s), please take the following actions:

Report the incident to OSB Community Bank.
Notify your local law enforcement agency and ask to file an Identity Theft Report.
Report the incident to the Federal Trade Commission's Identity Theft Hotline at 877-ID-THEFT (877-438-4338). The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Call the fraud departments of all three major credit reporting agencies and ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any more accounts in your name.
- Equifax: To report fraud, call 800-525-6285. To order a report call 800-685-1111.
- Experian: To order a report or to report fraud, call 888-397-3742.
- TransUnion: To report fraud, call 800-680-7289. To order your report, call 800-916-8800.

Our regulators are encouraging institutions to provide a notice on its site reminding customers that the Bank will never request confidential information through e-mail and to report any such requests immediately to the Bank.