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Security Center

Stay informed about the latest scams, learn how to avoid fraud, and find out what steps to take if you become a victim. Our Security Center has you covered.

How does Park Bank keep you safe?

Protecting your financial well-being is our top priority. We are here to keep you informed about prevalent scams and fraud happening now. Whether it’s phishing emails, identity theft, or financial scams, we’ve got you covered. Stay vigilant, and together, we’ll protect your hard-earned money.

What are some of today’s top scams?

Here are a few …

Fake Check Overpayment

Selling stuff online can be a great way to make some extra cash. Craigslist, Facebook Marketplace, and other sites attract a lot of buyers — and scammers. Here are some ways scammers try to cheat you and what to do about it.

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Tech Support Scams

Tech support scammers want you to believe you have a serious problem with your computer, like a virus. They want you to pay for tech support services you don’t need, to fix a problem that doesn’t exist.

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Bank Message Scams

Bogus bank fraud warnings are the most common text message scams reported to the Federal Trade Commission, with scammers usually impersonating larger financial institutions.

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Online Dating Scams

Millions of people use online dating apps or social networking sites to meet someone. But instead of finding romance, many find a scammer trying to trick them into sending money.

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Social Media Scams

Scammers are using social media to go after your money and personal information. And it’s working: since 2021, people have reported losing $2.7 billion to scams that started on social media — way more than with any other contact method.

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Bitcoin ATM Scams

Is there a legit reason for someone to send you to a Bitcoin ATM? The short answer is NO. Will someone from the government send you to a Bitcoin ATM? NEVER.

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Gift Cards Scams

If you’re in the checkout line with a gift card (or several) in your hand, ask yourself: is the gift card you’re buying for a gift? Or is someone on the phone with you as you’re checking out telling you what to do – like buy a gift card to pay for something and give them the numbers?

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Grandparent Scams

When it comes to scammers, nothing is sacred — including the bond between grandparent and grandchild. Lately, grandparent scammers have gotten bolder: they might even come to your door to collect money, supposedly for your grandchild in distress.

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What should you do if you are a victim of identity theft or your is credit compromised?

Alert the credit bureaus.

Contact all of the major credit bureaus’ fraud departments. Be sure you have a fraud alert put on your account (it’s free).

Report identity theft to the Federal Trade Commission (FTC).

Fill out their online complaint form, or call 877.ID.THEFT (877.438.4338).

File a report with your local police department.

Take a copy of your FTC Identity Theft Affidavit, a photo ID, proof of address, and any evidence you have of the theft with you.

Freeze your credit.

Consider placing a credit freeze on your profile. A credit freeze makes it harder for someone to obtain new accounts in your name. Be aware, however, that you will need to lift the freeze on your credit file should you want to open a new deposit account or if you seek any type of loan (including credit cards). Each of the three credit bureaus offers a way for you to place and lift credit freezes online.

Get a copy of your credit report.

Visit annualcreditreport.com, or call 877.322.8228.

Enroll in credit monitoring.

Monitor your credit reports, and check for any new accounts you don’t recognize. If your information was part of a breach, the company responsible for exposing your information may offer free credit monitoring for which you can enroll.

For a step-by-step guide on how to handle specific identity theft scenarios like tax-related identity theft, misused Social Security Number, medical identity theft, etc., visit identitytheft.gov.

What should you do if a bank account(s) or debit/credit card(s) is compromised?

Review your account history and recent transactions for any suspicious activity.

Contact the issuing bank or card issuer to cancel your card, place stop payment on checks, freeze account(s) that have been compromised, and/or open new ones. To report a lost or stolen Park Bank credit card call 608.278.2801.

  • Outside of regular business hours, call the number on the back of your card to report it lost or stolen. This will block any future unauthorized transactions on your card. For Park Bank-issued cards, the numbers are as follows:

Be prepared to identify which transactions are fraudulent. Once a claim is started and the transaction is disputed, an investigation will be opened.

You can also lock your credit or debit card to put a hold on spending without canceling the card. All transactions will be blocked except pending and recurring transactions.

If you have been issued a new card or account information, update your information, as needed, on applicable automatic payments or Bill Pay items.

Important note: Depending on the situation, you may be asked to establish a new account. Please review your existing account in advance and identify any recurring automated transactions we will need to honor. We will need this information when we open the replacement account.

How do you report a new claim to us?

Our associates will work with you to resolve any issues that may affect your Park Bank accounts.

Call us at 608.278.2801. 

To expedite your call, please have the following information available:
  • Your account number and/or debit card number.
  • Date and amount of suspected fraudulent transaction.
  • Pen and paper to record your case number.
For suspicious Park Bank emails (phishing), texts (SMiShing), calls (vishing), or other scams:
  • Ignore calls or unexpected messages asking for password, PIN, or other confidential information.
  • If you have any questions about the legitimacy of a message, call us at the number above or on the back of your card.

If you receive a suspicious email or text claiming to be Park Bank, don’t respond or click any links. Forward them to [email protected] and delete it. We will review your message right away and take action as needed.

Questions about reporting a fraud claim? Read our FAQs.

A: Please call us at 608.278.2801.

A: For your protection, we will follow Visa® and Mastercard® guidelines regarding the blocking of cards to avoid additional fraudulent charges.

A: We’ll only share information on a claim with authorized signers on the account associated with the claim. We're unable to share any claim details with anyone not listed as a signer on the account.

A: Once a resolution has been reached, a letter will be mailed to your address on file with the details surrounding the resolution.

A: Any transactions that obtained an authorization prior to the block will still process and post to the account, even after the card shows in a blocked status. Once the card is blocked, no additional transactions should be authorized.

A: Any signer on the account can file a claim.

A: If your account has been compromised or if you suspect that your account has been compromised, you should visit a local branch to have your accounts closed and set up a new account.

A: When filing a claim, any fees associated with the unauthorized transaction(s) will automatically be considered when the claim is processed. Keep in mind, a “Rush Delivery Fee” for a replacement card is not a fee that’s considered as part of the unauthorized transaction.

A: There are multiple ways account and card information can be compromised, which can make it difficult to determine who’s responsible for the fraudulent activity on any account.

A: When filing a claim, include all posted transactions that weren’t authorized by any signer on the account. This includes fees associated with these transactions.

A: The claim process varies depending on the type of claim filed.

If you suspect fraud or have fallen victim to a scam, don’t hesitate. Contact us directly. Your vigilance helps protect our community and ensures swift action against fraudulent activities.