Identity Theft & Fraud Protection
Identity Theft & Fraud Protection

Western State Bank has several measures in place to protect your information and guarantee your privacy. We utilize a 24/7 fraud and monitoring service detecting suspicious transactions on your debit cards and ATM cards. We have policies and procedures in place to guarantee your privacy as a Western State Bank customer. See below for steps you can take to further protect your information.

If you believe fraud is occurring on your card:
Contact your local banking center immediately so we may disable your card and investigate unauthorized transactions. Report any suspicions immediately so we can help minimize the damage.

Report a debit card as lost or stolen:
Call 1-800-472-3272 as soon as you notice it’s missing.

Fraud prevention tips:

Keep your debit card in a safe, secure location at all times. Your transactions are directly tied to your bank accounts.
Keep your pin number a secret. We’ll never ask for your pin number when processing transactions; be sure not to share it with anyone.

Be aware of who is around you. Fraudsters have devices that can scan your purse or wallet to obtain your debit card information. Consider a wallet or purse with RFID protection to help prevent scanning. At the ATM, take note of where you are and who is around you.

When using the ATM, verify the amount you’re withdrawing, take your card, and make sure the transaction has cleared and the screen has reset before you leave.

Identity Theft Protection:

Steps you can take to avoid becoming a victim of identity theft:
Never give out personal information such as your passwords, pin number, social security number or account number by phone or over the internet unless you initiated contact with Western State Bank. If you ever receive a request for this type of information via phone, email, or social media message from a person contacting you and claiming to be a Western State Bank representative, we suggest that you end the correspondence and contact us directly using our publicly listed contact information.

Monitor your bank statements so you can catch unauthorized transactions or errors.

Shred or destroy financial documents such as bank statements and unused financial solicitations before throwing them away.

Keep your contact information up to date with Western State Bank so we can reach you if we suspect fraudulent transactions on your account.

Immediately report lost or stolen checks, debit cards and ATM cards.

Beware of Phishing Emails, Texts, and Social Media Messages:
If you ever receive an email that looks like it’s from Western State Bank but asks you for personal information after clicking on a web address/URL within the email, DO NOT click the link. Phishing scams will direct you to a fake website that looks similar to ours and prompts you to login with your username and password, which the scammers will then have access to. Western State Bank does not send out these types of emails.

Similarly, if you receive a text message saying that your account has been disabled and asking you to call or text with your personal information, it is more than likely a scam.

If you receive an email claiming to be from Western State Bank and asking you to open an attachment, DO NOT open the attachment. Never open unsolicited emails. We may, on occasion, send you an email to let you know you’ve locked yourself out of online banking, but they will not contain attachments to open. Scammers use email attachments to send computer viruses or Trojans to infect your computer and steal your passwords.

If you receive links or attachments or otherwise suspicious messages claiming to be from Western State Bank through social media, do not trust it. We do not send direct messages to our customers through social media.