How to Spot Legitimate Alerts from TopMark for Potential Fraudulent Transactions

If you receive a text message from TopMark, it will ask you to confirm a transaction by replying Yes or No. If you authorized the transaction, reply Yes; if not, reply No.

If you reply No, your card will be temporarily locked to prevent further unauthorized transactions. You don’t need to respond to the second message unless you wish to opt-out. To get a new card, contact TopMark; our Fraud Department cannot order replacements.

Fraud Alerts via Call
If you receive a call about your TopMark credit or debit card, you will be asked to verify your identity by providing information such as the last four digits of your Social Security number, date of birth, or zip code. Never provide your full SSN, card number, or account number.

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Protect Yourself from Fake Shipping Notifications

Scammers often send fake delivery notifications via email or text, trying to steal personal info. They may claim a missed delivery or ask you to update shipping preferences. These fake links can steal your financial details.

How to Protect Yourself:

• Don’t click on suspicious links.
• If the message seems legitimate, contact the company directly using known contact info.
• Always be cautious when sharing personal details online.

Beware of Spoofing

Spoofing is when scammers falsify caller IDs or email addresses to look like a trusted source. They may ask for sensitive information like usernames or passwords through emails or calls that appear legitimate.

How to Avoid Spoofing:

• Never provide personal info via email or text unless you're sure of the sender's identity.
• Contact companies directly using known phone numbers or websites.
• Be cautious of links and requests for sensitive information.

What Scammers Want

• Steal personal info through phishing sites.
• Download malware that gives hackers access to your device.
• Pressure you into providing sensitive data or sending money.

Smishing: Scammers use text messages to impersonate trusted brands and steal info. Never provide personal details via text or click on links in unsolicited messages. If you receive smishing texts, forward them to 7726 (SPAM).

Common Scammer Tactics:

• Faking emergencies to create urgency.
• Offering rewards or help to manipulate victims.
• Pressuring victims to act quickly and not hang up.
• Using official-sounding titles to sound credible.
• Threatening to alert the media or authorities to scare victims into compliance.

Stay vigilant and protect your personal and financial information. If you’re unsure about any message or call, contact TopMark for assistance.

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What to Do if Your Identity is Stolen

The Federal Trade Commission, spam@uce.gov

The company that the email reportedly came from, companies may have a “to report abuse” email address.

Just remember to include the entire original email with its original header information when you forward to the FTC or other entity when reporting phishing.

For more information on scams, visit the FBI’s website,

http://www.fbi.gov/scams-safety/fraud/fraud or the NCUA’s website, http://ncua.gov/Resources/FraudAlert/index.aspx.

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