Scammers can impersonate your bank over the phone and change the caller ID (called "spoofing") to appear legitimate. They can sound like real bank personnel as they attempt to gain sensitive, personal information about you and your bank accounts. They may even know some information already, such as the initial digits of your debit card.

These fraudsters may act friendly or try to scare and intimidate you. Through AI technology, they may even be able to mimic a voice you know, such as a family member. But if they start asking for personal information or tell you to send them money, hang up and call your bank directly. Even if the call sounds legitimate, the only way to know for sure is to call back, using the number on the back of your card.

It's a scam! Your bank will never call to ask for your: 

  • Username or password
  • Full account number
  • Email address
  • Full Social Security number
  • Debit card number or PIN
  • Other personal information
If you receive a call and they are seeking this information, hang up and call your bank immediately. 

Learn More About Spoofing

How we can protect you.


One of the best ways to help avoid being a fraud victim is to stay informed and bank with people who know you. At CNB St. Louis Bank, many of our staff members have been with us for years and know customers by name. While it’s nice to be neighborly, these close relationships have another purpose that’s just as important.

Because we know you, we’re better able to identify out-of-the-ordinary transactions. When we see something unusual, we call the customer. When a customer calls us—to add a travel notice to an account, for example—we call back to ensure the notice is legitimate.

In short, good service is about more than being good neighbors. It’s powerful fraud protection and just one more way we’re Banking. For You.



If your identity has been stolen:

Visit www.identitytheft.gov a Federal Trade Commission website, to report the incident and create a recovery plan. 



Discover More on How to Protect  Your Finances:

We’re here to help!

If you have any questions or concerns about fraud protection, do not hesitate to give us a call at
(314) 645-0666 to speak with a member of our local CNB St. Louis Bank team.