Skip to content

What do you do if fraud happens to you?

Call us ASAP! Don’t Wait!

If fraud happens to you or you even suspect it has happened, call us immediately and we will walk you through the situation and any steps to take next.

Report Fraud

Lost or Stolen Debit Card?

Lost or Stolen Elan™ Credit Card?

Personal Accounts


Select Option 3

 Business Accounts 


Select Option 2


  Debit Cards 


Select Option 1

After Hours


Personal Credit Card 



Business Credit Card


Fraud Prevention Tools Available

Account Alerts

Set up alerts for your accounts through online banking

In your Online Banking account, select All in the top left corner, then Settings, and Alerts.

(To set up alerts, access your Online Banking account using your internet browser)  

There are 3 types of alerts available to set up on each of your accounts.  

  • Account
  • Bill Payment
  • Service Alerts

Each type allows you to pick a parameter that is specific for your needs. The alert will be sent to an email address or can be sent via text, or both.  

You have the option to set up different settings for each account. 

Visit your Online Banking account or enroll in Online Banking here.

SecurLOCK™ Equip

Sign up for SecurLOCK™ Equip to keep regular tabs on your debit card purchases. SecurLOCK™ Equip allows you to send notifications to your phone or email whenever your cards are used and you can set limits on how much is allowed to be spent on certain cards and at what locations.

Click Here to learn more about how SecurLOCK™ Equip can protect your debit card.

Best practices to help mitigate fraud

1. Never reply to emails, phone calls, or text messages that request your personal information. State Bank Financial will never request this information directly from you. If you receive a message and are unsure, hang up or call us to see if a communication is legitimate. 

2. Only do business with companies or people you know and trust. So many people are shopping online these days so take extra precautions before clicking that purchase button. When making online transactions, be sure the website uses secure encryption.

3. Know what is in your wallet. If it’s ever stolen, having previously documented or made copies of important documents and cards and storing them in a secure location, you will have references when trying to recover your items

4. Be cautious when using public computers or sharing devices with others who may have access to money sharing apps, or if your passwords are saved on your personal device.

5. Password protect your electronics. An open device left unattended is an invitation for fraud. Enable the password feature on your cellphone, laptop, Kindle, iPad, or any electronic devices that contain personal information about you – including, phone numbers, banking information – anything you don’t want in the hands of strangers.  

6. Change your passwords often and don’t use the same password for everything. Fraudsters are very savvy and they know people take the easy route by using the same login and password for all their accounts and often don’t change their passwords. An easy way to deter them is to vary your logins and change your passwords often.

7. Watch your U.S. Postal mail. If you haven’t gone totally paperless or know to expect a bill in the mail, keep an eye out because missing mail can be a sign of tampering.

8. Going paperless keeps your information more secure. It eliminates stolen mail situations and if you need the paper copy you can print it at home and put it right into a secure location. If you are waiting for a paper statement, that delays your ability to be able to monitor your activity by 30-45 days.

9. Be on high alert during times of crisis, if there is pressure to take action, or if an offer seems too good to be true. Fraudsters know that by playing on emotions or catching you during a time of distraction or by making you act quickly, you are less likely to think the situation through. Before wiring any money or giving any confidential information away, give us a call to talk it through.