Phone Call Scams: What to Watch For

Scammers don't just use email — they also try to trick people over the phone by pretending to be from your bank. Sometimes they act friendly and helpful, other times they use threats or fear to pressure you. Their end goal is always the same: to get your personal information or money. The key to protecting yourself is knowing what Liberty National Bank will never do.

Common Phone Scam Tactics

1. Creating a False Sense of Urgency
Scammers want you to act before you think. They might say things like:
• "Act Now or your account will be closed."
• "We've detected suspicious activity on your account."
No matter how urgent the situation sounds, don't give in to the pressure. Your bank will never threaten you or pressure you to act immediately.
2. Asking for Sensitive Information
If someone calls you unexpectedly and asks for your password, PIN, or one-time login code, hang up immediately. Important distinction: If you call your bank, they may need to verify personal information. Banks rarely ask for your account number, PIN, or password during a phone call – and will never ask for a one-time login code.
3. Caller ID Spoofing
Don't trust caller ID. Unfortunately, scammers can easily make any number or name appear on your screen — even Liberty National Bank's real number. Always treat unexpected calls with caution. Hang up and call us directly if you feel unsure.

What To Do If You Fall for a Phone Scam

If you realize you've given information or money to a scammer, act quickly:
1. If you gave out your SSN or account number, visit IdentityTheft.gov
2. Change your password if you shared login details.
3. Contact your bank directly to report the scam and secure your accounts.
4. File a police report if you lost money. 
5. Report the scam to the Federal Trade Commission at FTC.gov or call 1-877-FTC-HELP (382-4357)

Stay Alert Against Phone Scams

Phone scams are designed to catch you off guard, but remembering these red flags will help keep you safe. Don't rely on caller ID, don't give in to high-pressure tactics, and never share personal information with someone who calls you out of the blue. When in doubt, hang up and call us directly using our main number 855-351-2265.
Final Reminder: Your bank will never call you to demand sensitive information or pressure you into acting fast. Staying calm, skeptical, and cautious can save you from becoming the next victim of a phone scam.