Fraud & Security Center

We’ll Never Ask You for These Things

Your Full Account Number

We know your account number since we assigned it to you. We don’t need to ask you for the whole thing.

Your Full Debit Card Number

We may reference the last few digits to confirm your identity—but we’ll never ask for the full number over phone, text, or email.

Your Online Banking Password

Your password is private and encrypted. No one at Independent Bank will ever ask you to share it.

Your PIN Number

Your card PIN is personal and secure. We’ll never ask you to share it—even if you're verifying a transaction.

Your Social Security Number by Text or Email

We won’t request your Social Security number via unsecured channels. If it’s ever needed, we’ll ask you to verify it through secure means.

To Transfer Money to “Protect” Your Account

We’ll never instruct you to move funds to a “safe” account or withdraw cash to assist in an investigation. This is a common scam tactic.

To Verify Personal Info in Unexpected Calls or Messages

We won’t call, text, or email you out of the blue asking for personal details. If you receive such a request, contact us directly using a known phone number.

What Independent Bank Does To Protect You

We combine advanced technology, strong business practices, and a culture of integrity to keep your information safe.

Suspicious Activity Monitoring

We use advanced fraud detection systems, including EnFact, to monitor your accounts for unusual activity. If something looks suspicious—like an out-of-state purchase or a rapid series of transactions—you may receive a call, text, or email from our fraud team to confirm the activity. We’ll never ask for your full card number or PIN. Your quick response helps us take immediate action if fraud is suspected.

Secure Technology & Business Practices

We continually invest in secure systems and proactive business practices to help prevent fraud. From encrypted data transmissions to regular cybersecurity audits, our behind-the-scenes efforts are designed to ensure your information stays safe—so you can bank with confidence.

Multi-Factor Authentication

When you sign in for the first time, on a new device, or after changing your password, you’ll be asked for your username and password along with a temporary security code sent via phone, email, or text. This added layer of protection ensures that only you can access your account. We will never ask you for this code.

Our Employees

Our employees are held to the highest standards of integrity through our Corporate Code of Conduct. This includes strict policies around accessing and handling confidential information. Employees only see your information when it's needed for a transaction, and even then, access is limited and monitored.

Mastercard ID Theft Protection

If you have an Independent Bank debit card, you can enroll for free in Mastercard’s ID Theft Protection program. This service includes identity monitoring, credit alerts, and expert help if your identity is stolen. Enroll online and get peace of mind knowing you're backed by around-the-clock protection and support.

Positive Pay for Businesses

Our Positive Pay solution helps business clients prevent check and ACH fraud by matching each transaction against a list of pre-approved payments. If there’s a mismatch, we flag it before it’s processed. This simple yet powerful tool can help protect your business from financial losses and fraud-related disruptions.

FDIC Insured

Your deposits are protected up to $250,000 per depositor, per insured bank, subject to certain limits, through the Federal Deposit Insurance Corporation (FDIC). This means your money is backed by the full faith and credit of the U.S. government—even in the unlikely event of a bank failure. You don’t need to take any action to receive this coverage; it’s automatic with eligible deposit accounts. FDIC: Electronic Deposit Insurance Estimator (EDIE)