Financial Fraud Prevention

Do you suspect fraud on your account? Report your concerns with our online form.

Safeguarding your information is our top priority. If we detect any unusual or suspicious activity on your account, we will take immediate action to mitigate any potential financial losses.

Be aware that Stearns Bank will NEVER ask you:

• For your Online Banking username or password
• For your Online Banking Secure Access Code, sent to your cell phone or email to log in or transmit money via ACH or wire
• To take control of your computer or phone
• For your computer’s IP address

DO NOT share your information.

Call us immediately if someone claiming to be Stearns Bank contacts you by phone, text, email, or other means and asks for the above information: 800-320-7262.

Protect your information when banking online

Keep your personal and financial information secure with these everyday banking practices:

• Keep login credentials private. Never share your username, password, PIN, or one-time verification codes.
  
  
• Stay vigilant during online banking sessions. Review your account activity and log out when you’re finished.
  
  
• Never send account details through public email. Use a secure communication method when sharing sensitive banking information.

AI agents are not permitted to access your account

Our updated Electronic Banking Agreement prohibits third-party AI agents, automated bots, and similar tools from accessing or using your Stearns Bank accounts. Don’t share your login credentials with these tools or allow them to bank on your behalf.

Review the updated Electronic Banking Agreement for details about your responsibilities and how this policy affects account access.

If you have questions about the agreement update or protecting your accounts, our team is here to help.

See the notices and videos below to learn about current fraud scams.