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With cyber attacks on the rise, including an increase in phishing attacks and malware, helping you safeguard your personal and financial information continues to be our top priority. Our Security Center will show you the fraudulent tactics criminals use and how you can protect yourself from becoming a victim of fraud.


8 Security Tips to Prevent Fraudulent Wire Transfers, ACH Originations, and External Transfers

Fraudulent requests for wire transfers, ACH transfers and external transfers typically come by email.  Our eBanking Team has eight security tips to help you stop potentially fraudulent requests for transfers.


  1. Verbal Confirmation
    Verbally confirm that the request to initiate the wire, ACH, or external transfer is from an authorized person within the company.
  2. Verify Changes
    Anytime you receive new transfer instructions or a change to existing transfer instructions verbally verify with your vendor.
  3. Investigate Unique Requests
    If you receive a request for a payment that is out of your ordinary payment arrangement, confirm by phone with your vendor.
  4. Double Check Email Addresses
    A common trick is to slightly modify an email address. For example, [email protected] might be changed to [email protected]
  5. FWD Instead of Reply
    Rather than reply to an email, forward the email to the address that you have on file.
  6. Establish Dual Controls
    For Suncrest Bank customers, this could mean having one Suncrest user who initiates the transfers and another user who approves the wires.
  7. Be Alert
    Be on alert for fraud anytime the transfer instructions include tight deadlines or pressure you to act quickly.
  8. Be Suspicious of Confidentiality
    Whenever transfer instructions specify keeping the transaction a secret – verbally verify with an executive or the person requesting the transaction.

The best defenses against wire fraud include rock-solid internal procedures and training team members to recognize the signs of suspicious activity within the company.


Suncrest Bank uses Multifactor Authentication for accessing your account information online.

Authentication is the process used to allow access to only the correct customer. Without effective authentication controls, it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the true customer should be able to pass.

Multifactor Authentication (MFA) means two or more different types, or factors of authentication must be passed. By using two different factors of authentication, we get a higher assurance that the customer is the correct intended user. MFA is commonly used to protect transactions at ATMs, where your card is something you have, and your PIN code is something you know. Similarly with Enhanced Multifactor Authentication (EMFA), your phone is something you have, and your password is something you know.

For convenience, after you successfully authenticate with your password and One-Time Passcode (OTP), you may enroll your computer for use in authentication. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession.

What information will be required?

You will be prompted for your password. In addition, you will be required to provide information that enables us to send you an OTP. We recommend that you enroll your personal mobile phone. Enrolling a phone number that is shared with others is not recommended.

How will it affect my online banking experience?

Instead of answering a Challenge Question, you will receive an OTP at the number you enroll. Optionally, you may then enroll your computer to act in place of your phone. Once you enroll your computer, the rest of your online banking experience will remain exactly the same.

Can I access my accounts from other computers at my home, my office or on the road?

Yes, you can access your accounts from any computer. However, when you authenticate from a system that does not have the special Browser Cookie, you will need to authenticate using the Phone OTP instead. You may enroll multiple computers, but be mindful not to enroll a computer that you don't often use, or that is shared with people you do not know. Enrolling a non-trusted computer is equivalent to lending your ATM card to a stranger.

For more information on Enhanced Login Security please contact your local Suncrest Bank today.


Links on Our Website

We may provide links to sites outside of our Web site to alert you to products, information, and services offered by third parties. These links are provided as a courtesy to give you access to information that may be of interest to you, and may be to both the private and public sector Web sites. Although we will only provide links to sites we believe are reputable, we do not make any representations concerning the linked sites' contents, security, or availability. Please note that linked sites may have different privacy and information security policies than Suncrest Bank. You should review each site's privacy and information security policies carefully before you enter confidential information onto the site.


Preventing Identity Theft

Suncrest Bank is committed to protecting your personal information. Strict policies and procedures have been implemented to ensure that your personal information is kept confidential. Only authorized signers can access account information. Every effort is made to protect our customers from fraud. We will never initiate a request for sensitive information from you via e-mail (i.e., Social Security number, personal ID, password, PIN, or account number). If you receive an e-mail that requests this type of sensitive information, you should be suspicious of it. We strongly suggest that you do not share your personal ID, password, PIN, or account number with anyone, under any circumstances. If you receive a suspicious looking e-mail, you should contact us at: (888) 844-1011.


Safeguarding Your Information

  • Be suspicious if someone contacts you unexpectedly online and asks for personal information. Do not reveal any personal information online. A safe strategy is to ignore unsolicited requests for information, no matter how legitimate they appear, especially if they ask for information such as a Social Security number, bank account numbers and passwords.
  • Suncrest Bank will never ask you to verify any personal information by e-mail. Cybercriminals are good at creating fake emails that look legitimate, but can install malware.
  • Install an Anti-Spyware program on your computer and update it regularly to protect against malware (malicious software) that can steal information such as account numbers and passwords, and use a firewall to prevent unauthorized access to your computer.
  • Passwords should be strong when logging in to financial accounts. Choose passwords that are hard to guess change them regularly and try not to use the same passwords or PIN's (personal identification number) for several accounts.
  • Check your accounts often. If something seems unusual, notify your financial institution immediately. Those who check frequently online learn about the crime earlier.
  • Check your credit report at least annually. You are entitled to one free credit report annually from each of the three major credit bureaus. That means you can check for free every four months, an excellent safeguard that costs nothing more than a little time.
  • Monitor your credit card accounts closely and report any suspicious activity immediately.
  • Be careful where and how you connect to the Internet and always sign off and log out of the computer properly. Public Wi-Fi networks and computers at places such as libraries or hotel business centers can be risky if they don't have up-to-date security software.
  • Be discreet when using social networking sites. Criminals comb those sites looking for information such as someone's place of birth, mother's maiden name or pet's name, in case those details can help them guess or reset passwords for online accounts.
  • Be careful when using smartphones and tablets. Don't leave your mobile device unattended and use a device password or other method to control access if it's stolen or lost

At Suncrest Bank, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.


External Financial Services

Please use caution when using external financial aggregation or consolidation services. These are companies that collect personal information from a variety of sources and place them on one Web site. They are able to do this by having you give them your identification information and password for each individual Web site, and then use these passwords to access each account. You must provide your permission and information to allow these services to collect this data. We recommend extreme caution when using these services and encourage you not to provide any account information or password to a site that is not familiar to you.

If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 888-844-1011 or via e-mail at [email protected]



  • — Tips from the federal government to help you protect your personal information.
  • — Information from the Federal Trade Commission to help you avoid identity theft and learn what to do if your identity is stolen.
  • — Tips from the FDIC about how to protect yourself from identity theft and fraud.

Disclaimer: These are hyperlinks to web sites operated by parties other than Suncrest Bank. Suncrest Bank does not control such web sites, and is not responsible for their content. Suncrest Bank's inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Suncrest Bank's online privacy policy does not apply to any linked sites. Although we will only provide links to sites we believe are reputable, we do not make any representations concerning the linked sites' contents, security, or availability. Please refer to the privacy policy of linked sites for more information.