We’ve detected you are using an older version of Internet Explorer. This site is optimized for Internet Explorer version 9 or higher. For your security and for optimal experience, please update to IE9 or above. If you are a Pathways user, your version must be no newer than version 9.

Committing fraud on your account through electronic scams is one of the most common techniques thieves use.

Phishing: The use of seemingly legitimate e-mails and websites to deceive you into disclosing sensitive personal information. It is important to remember that we will never initiate a request for sensitive information via e-mail.

E-mails may look like they are coming from popular websites or online payment processors. If you believe the e-mail is legitimate but would like to verify, call the company that sent the e-mail, but do not use any phone number listed in the e-mail, look it up yourself. If you receive an e-mail you believe to be fraudulent from us, please contact us.

Some tips for evaluating suspicious e-mail:

  • If it smells fishy, it probably is! Trust your instincts. When in doubt, err of the side of safety.
  • Don't give any online user ID or passwords or any other personal information in any e-mail
  • Delete e-mail attachments from people you don't know WITHOUT opening them!
  • Keep an eye out for strange links or attachments in e-mail–they just might contain malicious code.
  • Avoid downloading files of which you're unsure. Be on the lookout for files such as freeware, screensavers, games, or other executable programs.
  • Websites can be full of threats, so be sure to run an anti-virus scan on all downloads before running them. It may be helpful to download files to a "scan" folder and then scan the entire folder's contents.
  • Don't respond to e-mails threatening to close your account if you do not take the immediate action of providing personal information.
  • Where possible, don't use your e-mail address as a login ID or password.


Smishing: A phishing attempt sent through a text message to a mobile device. The purpose of text message phishing is the same as traditional e-mail phishing: convince recipients to share their sensitive or personal information. Never disclose via text message any personal information, including account numbers, passwords or any combination of sensitive information that could be used fraudulently. Use caution if you receive a text message expressing an urgent need for you to update your information, activate an account, or verify your identity by calling a phone number or submitting information on a web site. These messages may be part of a phishing scam conducted by fraudsters to capture your confidential account information and commit fraud.

Vishing: Instead of using an e-mail message, the criminal calls you over the phone to attempt to gain access to your personal information. The caller may claim to be a representative from the bank. Typically, the caller states your credit card or bank account information has been breached or must be verified and asks you to enter your account or card number. If you are uncomfortable continuing a phone call that was not initiated by you, ask for a reference number and call the bank, using legitimate sources of contact information.