Year: 2025

Vallant Bank’s commitment to your financial well-being extends beyond just providing excellent services—we’re here to help you protect your assets too. Today, let’s discuss an often-overlooked but crucial aspect of financial security: using checks safely.

A lesson from your home security system

Think of your checkbook as part of your security system. Just as you wouldn’t leave your front door unlocked or your alarm system deactivated, you shouldn’t leave your checks vulnerable. Here are some key points to remember:

1. Store your checks securely like you would your valuable documents.
2. Never sign blank checks. It’s like handing over a signed, blank contract.
3. Use a pen with indelible ink when writing checks. Consider it your financial fingerprint.
4. Always fill in all fields of a check, leaving no blank spaces. Think of it as closing all your windows before leaving home.

Banks never ask that!

Remember this golden rule: Vallant Bank, or any legitimate bank, will never ask for sensitive information through unsecured channels. If you receive a call, email or text asking for your account details, passwords or other private information, be cautious. It’s likely a scam. We value your trust and will always prioritize your security.

The role of checks in modern banking

While digital payments are on the rise, checks still play a significant role in certain transactions. According to recent financial reports, check-related fraud remains a concern. That’s why at Vallant Bank, we’re committed to helping you stay informed and protected.

Protecting uour financial home

Here are some additional tips to keep your financial home secure:

• • Regularly review your account statements like you would check your home’s exterior for signs of trouble.
  • Report any suspicious activity immediately—we’re here to help.
  • Consider using our online bill pay services for added security.
  • Shred old checks and statements before disposing of them. Think of it as clearing out old keys to your house.

Vallant is more than just your bank; we’re your partners in building and protecting your financial future. By following these guidelines and staying informed, you can help safeguard your finances against check-related fraud and scams.

If you have any questions, please contact your local Vallant Bank branch or our customer service line at 877.759.7939.

Vallant Bank is committed to keeping your hard-earned money safe. As your trusted local financial partner since 1934, we want to help you recognize and avoid phishing scams and other types of financial fraud. Let’s explore how to protect yourself from various deceptive practices targeting you and other Vallant Bank customers.

Email scams: Red flags for bank customers

• • Unusual email addresses: Be wary of emails that don’t come from our official Vallant Bank domain.
  • Misspelled words: Vallant Bank communications are professionally written. Poor grammar or spelling is a clear sign of an impostor.
  • Scare tactics: Vallant Bank won’t send emails warning of urgent account closure or security breaches. We prefer direct, calm communication.
  • Suspicious URLs: We won’t ask you to log in via email links. Always access your account through our official website (Vallant.Bank) or mobile app.
  • Unexpected attachments: Vallant Bank doesn’t send unsolicited email attachments. These could contain malware.

Text message scams: Stay alert to bank imposters

• • Strange phone numbers: Be cautious of texts from unfamiliar numbers claiming to be Vallant Bank.
  • Urgent warnings: Our text messages won’t create panic or urge immediate action.
  • Requests for personal information: Vallant Bank will never ask for sensitive data, such as account numbers, PINs or passwords, via text.
  • Suspicious links: We rarely send links via text. Always verify by visiting Vallant.Bank or calling us directly. Find our phone numbers under Locations at Vallant.Bank.

Phone call scams: Recognizing genuine bank calls

• • Unusual Caller ID: Be skeptical if the number doesn’t match our official contact information. Find our phone numbers under Locations at Vallant.Bank.
  • Scare tactics or threats: Vallant Bank representatives will never pressure you or threaten negative consequences.
  • Requesting personal information: We do not ask for account details during unexpected calls.
  • Unexpected calls: Be wary of out-of-the-blue calls. We typically only reach out if you initiate contact first.

Payment app scams: Protecting your bank accounts

• • Unexpected requests: Be cautious of strangers asking for money through payment apps linked to your Vallant Bank account.
  • Sending money to yourself: Vallant Bank will never ask you to send money to yourself. It’s 100% a scam.
  • Overpayment claims: Be skeptical of requests to refund alleged overpayments to your Vallant Bank account.
  • Pressure and urgency: Vallant Bank doesn’t create false emergencies. Take your time to verify requests.

Strengthen your defenses with Vallant Bank

• • Enable multi-factor authentication on your Vallant Bank online account.
  • Use strong, unique passwords for all your Vallant Bank accounts.
  • Keep your devices updated and use our latest mobile banking app version.
  • Install and maintain antivirus software on your computer.

If you’ve been scammed

• • Contact Vallant Bank immediately at the number on the back of your card. 
  • Change your Vallant Bank online banking password.
  • Report the scam to the Federal Trade Commission (FTC).
  • File a police report if you’ve lost money.

If you ever have doubts about a communication you’ve received, please contact your local Vallante Bank branch or call us directly at 877-759-7939. Find our additional phone numbers under Locations at Vallant.Bank.