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Fraud and scams are on the rise — and scammers are getting more sophisticated every day. At Pioneer Bank, your security is one of our top priorities. We want to make sure you know how to recognize potential scams and how to protect your personal and financial information.

Common Tactics Scammers Use

Fraudsters often pretend to be from trusted organizations — including banks — to trick you into sharing personal details like account numbers, passwords, or Social Security numbers. They may contact you through:

• Phone calls
• Text messages
• Emails
• Social media messages

These communications may appear very convincing, often using urgent language like:

• "You have an overdue parking ticket — pay now to avoid additional fines."
• "Your bank account will be closed if you do not verify your information immediately."
• "We’ve detected suspicious activity — click here to secure your account."
• "Your package delivery is delayed — please provide your payment details to reschedule."
• "You’ve won a prize — confirm your bank account to receive your winnings."

Important Reminders from Pioneer Bank

• We will never call you and ask for personal or account information over the phone. If someone claims to be from Pioneer Bank and asks for sensitive information — hang up.
• If you’re ever suspicious of a caller claiming to be from Pioneer Bank, hang up and call us back at a trusted phone number — such as one listed on our website or printed on your bank statements.
• If you receive a suspicious text, call, or email, do not click on any links or call any phone numbers provided in the message. These could lead you to fake websites or connect you directly to scammers.
• Notify a Pioneer Bank employee right away if you believe you’ve received a suspicious message or phone call. We’re here to help you verify legitimate communications and protect your accounts.

Tips for Staying Safe

? Be skeptical of unexpected requests for personal information.
? Never give out account details, passwords, or PINs over the phone, text, or email.
? Use strong, unique passwords and enable two-factor authentication when available.
? Regularly review your bank account and credit card statements for unauthorized transactions.
? Report suspicious activity to your bank immediately.

Stay Vigilant

Your awareness is your best defense against fraud. If you ever have questions about a message or call you’ve received, don’t hesitate to reach out to us directly. It’s always better to double-check.

Together, we can help keep your information safe.