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Security & Fraud Prevention

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When it comes to your money, security is the number one priority. We at Comanche National Bank maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. From Fraud Monitoring programs designed to detect potentially fraudulent activity to a dedicated Customer Service team, we make securing your information our highest priority.

For your added protection, we have compiled a list of good banking practices and security tips to help you protect yourself from identity theft, scams, and other forms of fraud. When you bank with Comanche National Bank, you’ll benefit from the knowledge, experience, and dedication to security offered by a community bank you can depend on and trust.

Comanche National Bank has kept customers’ assets safe and secure since 1889.

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Current Alerts/Scams

Equifax Breach

Equifax, one of the three nationwide credit-reporting agencies for credit card companies, banks, retailers and lenders, recently reported an extensive cybersecurity breach potentially giving cyber criminals access to YOUR sensitive personal identifying information such as name, social security number, birth date, address, driver's license number, credit card numbers, etc.

Here are some other steps to take to help protect yourself after a data breach:

Check your credit reports by visiting 

Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.

Monitor your existing credit card and bank accounts closely for charges you don’t recognize.

If you decide against a credit freeze, consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you

Consider visiting the Federal Trade Commission’s website at for additional updates and more information

If you are a STAR account holder with Comanche National Bank, you are eligible to enroll in LifeLock at a 40% discount. Please contact a Personal Banker at one of our convenient Banking Centers to find out more.

Foreign Lotteries

Anytime you are asked to send money in order to collect your winnings in a lottery or sweepstakes, STOP. It is a scam called advance fee fraud. You do not have to pay an up-front fee to receive real lottery or sweepstakes winnings. Don't be persuaded or bullied by a smooth operator on the phone.

Bogus Debts

If you receive a threatening letter demanding payment on a debt you never heard of, don't pay it. These are scammers who will demand payment on totally fictitious debts in the hopes that a few people will be scared into paying. Any legitimate creditor will be able to produce proof that a debt exists in the first place. Of course, if the debt turns out to be real and you weren't aware of it, you may be the victim of ID theft.


No matter what they say, when someone calls or emails wanting you to give them your social security, credit card, or bank account number, DON'T DO IT, not for any reason, no matter who they say they are or why they say they need it. They will steal your identity (and your money).

Counterfeit Cashier's Checks

The counterfeit checks in circulation today are very high quality forgeries. Counterfeit cashier's checks can be used in combination with lottery scams, Nigerian fraud, government grants, and other scams where the victim is skeptical that there really is money to be gained. Always beware of large cashier's checks from strangers. The victim who deposits a counterfeit check could actually be charged with a crime.

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Types of Fraud 

Understanding the various types of fraudulent activities is crucial to protecting your assets. We’ve developed a list of the most common types of fraud, along with tips for avoiding each type and for recognizing the signs of scams

Data Breaches

Breaches occur when data is accessed, viewed, stolen, or used by someone who is not authorized to do so. These types of breaches are often committed by criminals who target the company in an attempt to steal consumers' personal and financial information. The criminal may use it to commit fraud or sell it to others.

  • Consumers are protected when retail point-of-sale breaches happen.
  • You will not beheld responsible for unauthorized transactions made using your card number when they are promptly reported to Comanche National Bank.
  • Check your account often for suspicious activity.
  • Sign up for text or e-mail alerts from Comanche National Bank.

Identity Theft

Identity theft occurs when someone illegally obtains your personal information and uses it to open new accounts or initiate transactions in your name.

Recognize Identity Theft and Fraud

The following maybe signs of identity theft:

  • If you find new accounts on your credit report that are not yours
  • If you receive credit cards or billing statements on accounts you didn't apply for
  • If you are denied credit or are offered less than favorable credit terms for no reason
  • If you get calls from creditors or debt collectors regarding merchandise or services that you did not buy

Online Fraud

Email Fraud/SPAM

The objective of spamming is to gather personal information that can be used to steal your money and/or your identity. Criminals may also send you attachments and links that will lead you to spoof sites or cause you to inadvertently download harmful software to your computer.

  • Never send your personal information via email or text message.
  • If you do not know the source of an email or text message, delete it.
  • Keep your computer firewall, anti-virus, and anti-spyware software up to date.

Spoof Websites/Phishing

Through the use of fraudulent emails, internet thieves attempt to "phish" for your confidential information. They attempt to steal this information from you by means of "pop-ups" or emails with internet links to deceive you into disclosing sensitive information, such as bank account numbers and Social Security numbers.


Malware, short for "malicious software," includes viruses, spyware and Trojans that are designed to infiltrate or damage a computer system. Malware is often used to steal personal information and commit fraud.

There are several easy ways to minimize the risk of malware:

  • Avoid downloads from file sharing and social networking sites, which can be distribution points for malware.
  • Do not open email attachments or install free software from unknown sources.
  • Do not click on pop-up advertisements asking for personal or financial information, simply close them.
  • Regularly update your security and system software and protect your computer from malware threats.

What you should look for:

  • Asking for personal information should raise a flag since Comanche National Bank will never send you unsolicited emails with embedded links or pop-up windows that ask for confidential information, such as your Social Security number, account numbers, or Debit Card PIN.
  • Urgent appeals claim that your account may be closed if you fail to confirm, verify or authenticate your personal information. Comanche National Bank will never ask you to verify information in this way.
  • Offers that sound too good to be true often are. For example, you may be asked to fill out a short customer service survey in exchange for money being credited to your account, and you are then asked to provide your account number for proper routing of the supposed credit.
  • Typos and other errors are often the mark of fraudulent emails or websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.

Mobile Fraud

Rogue Mobile Banking Apps

Criminals may repackage and publish third party malicious apps that look like Comanche National Bank's mobile banking apps. Once downloaded the fraudulent app may implant a Trojan on your phone to steal your Online Banking credentials.

Mobile Malware

Just like computer malware, mobile malware is malicious software that is installed on your smartphone with the intent to steal sensitive information and data stored on your phone.


SMiShing is a form of criminal activity via cell phone messages to deliver the "bait" to get you to divulge your personal information. The criminal may pose as your bank and use text messages in an attempt to gain access to confidential account information.

Lost or Stolen Devices

Mobile phones and tablets offer convenience, but they're also easy to lose or steal, which can put your information at risk.

If your mobile device is stolen or lost:

  • Immediately contact your wireless carrier to report the incident and suspend your mobile number.
  • Report the theft to the police, including the make and model, serial and IMEI or MEID number. Some carriers require proof that the device was stolen, and a police report would provide that documentation.
  • You should change any passwords for online accounts you access through your mobile device as soon as possible, such as your Online Banking user ID and password.

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Security Tips

Protect Your Bank Account

  • Always make sure we have your most recent contact information.
  • Monitor your account online at least once a week and review your account statements each month. Carefully review each transaction. Report any unauthorized charges immediately.
  • Sign up for online statements.
  • Set up Account Alerts - Sign up to receive alert messages via Online Banking, your email account or via SMS text.
  • Do not write or print your Social Security number or your driver's license number on checks.
  • Store new checks in a secure location accessible only to trusted persons.

Online Security Tips

  • Create a complex password. Memorize your user name and password - never write it down anywhere, save to your computer, or reveal it to anyone.
  • Remember to logout of Online Banking and close all browsing sessions for security. Don't rely on our session time-out feature.
  • Verify the security certificate of any website where you're going to input sensitive information.
  • Do not share any confidential information through suspicious emails, websites, social media networks, text messages or phone calls.
  • Avoid using a public or shared computer for personal and financial transactions. Only conduct Online Banking and financial transactions using a trusted computer.
  • Make sure the computer(s) you use have current software security patches and anti-virus software. Anti-virus software requires frequent updates to guard against new viruses.
  • Wireless access should be secured with strong password encryption. Be cautious when using public hot spots and consider your Wi-Fi auto-connect settings.

Mobile Security Tips

  • Use your device's password feature and keep it locked when you're not using it.
  • Never store personal information like passwords or PIN numbers in texts, notes or emails that are accessible through your phone or tablet.
  • Add Comanche National Bank to your device's contact list with a distinctive name, so that you will recognize incoming messages are from us and not spoofed.
  • Be careful when downloading onto your smart device, especially applications as they may contain malware. Only use reputable application markets.
  • When in doubt, don't respond. Fraudulent texts, calls and voicemails are on the rise. Just like email, requests for personal information or a call for immediate action are almost always a scam.
  • Consider using a remote wipe program; this will give you the ability to send a command to your device that will delete any data if the device is lost, stolen or discarded.
  • Never leave your device unattended in a public place. Don't leave it visible in an unattended car; lock it up in the glove compartment or trunk.

Identity Theft Security Tips

  • When visiting social networks, remember that sharing information like your birth date, phone number, email address, location and photos can put your identity at risk.
  • Carry only necessary information with you. Make photocopies (front and back) of vital information you carry regularly and store them in a secure place, such as a safe deposit box.
  • Avoid giving out your address and zip code, phone number, date of birth and Social Security number, account numbers and card expiration dates unless it is absolutely necessary for a legitimate business purpose.
  • Replace paper statements with electronic versions.
  • Know your billing and statement cycles.
  • Shred documents containing personal or financial information before discarding.
  • Monitor your credit reports regularly. Contact the applicable credit reporting companies immediately if you find any unknown or suspicious activity on your credit reports.

Email Security Tips

  • Never email your account number, Social Security number or other sensitive information to anyone, not even the bank. You may use the Message center in your online banking account to send a secure message to us.
  • Be wary of unsolicited email containing urgent appeals for secure or personal information.
  • Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
  • If you receive a suspicious email, do not click on any links or reply to it. Simply delete it.

Debit Card Security Tips

  • Once you receive your card, activate it promptly. If it’s a replacement card, destroy your old card.
  • Sign your name on the strip on the back of your card as soon as you receive it.
  • Store your card in a secure place where you will know immediately if it goes missing.
  • Immediately inform Comanche National Bank if your card is lost, stolen, or possibly compromised. During business hours(Monday –Friday 8 am to 5pm) call (325)356-2577 or your local banking center. After hours call 1(877)888-8262.
  • Never lend your Debit Card to anyone.
  • Ensure your card is swiped in your presence at a POS.
  • Check your monthly bank statement for unusual or unauthorized transactions. Report any suspicious or unfamiliar transactions to your bank immediately.
  • Don't trust a site just because it claims to be secure. Before using the site, check out the security/encryption software it uses. Be cautious when dealing with individuals/companies from outside your immediate area or locale.
  • Do not send your card number through email or SMS text as it is typically not secure.
  • Do not give out your card number over the phone unless you initiated the call.

ATM Security Tips

  • Be aware of people and your surroundings. If you observe suspicious persons or circumstances, do not use the ATM at that time.
  • Do not use an ATM that appears to be tampered with.
  • Never lend your ATM/Debit Card to anyone.
  • Memorize your passwords and PIN numbers and change them regularly.
  • Never use a PIN that could be guessed easily, such as your birthday or telephone number.
  • Do not write your PIN number on your card.
  • Never carry a copy of your PIN in your wallet or purse.
  • Never share your PIN with anyone, including a family member or bank personnel, or in response to online or email requests.
  • Shield the ATM keypad with your hand or body while entering your PIN.
  • After completing a withdrawal, secure your card and cash immediately before exiting the ATM area. Count your cash later in the safety of your locked car or at home.
  • Never leave your card unattended; for example, in your car, hotel room or on your desk at work.
  • When disposing of old receipts and statements, don’t use public waste receptacles and be sure to destroy the statements so they are useless to identity thieves.
  • Report all crimes immediately to the bank’s security department or local law enforcement.

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Protection Tools

Fraud Monitoring Service

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale, any pattern of debit card transactions which are not normal personal activity or any pattern associated with new fraud trends around the world.

If you are traveling with your Debit Card, please contact our Customer Service department prior to your traveling dates. A representative will provide helpful information to ensure safe usage for out-of-state or international use of your card.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions - we will never send a text. We will attempt to reach you by phone. If we cannot reach you, a physical letter will be sent. Your response to our call is critical to help prevent potential risk and avoid restrictions which may be placed on the card.

Our automated call will ask you to verify recent transaction activity on your card.

You’ll be able to respond via your touch tone keypad.

Our goal is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. 

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Report Fraud

Click here for information on reporting fraud.

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The Federal Trade Commission (FTC):

The Federal Trade Commission (FTC) Scam Alerts:

The Federal Deposit Insurance Corporation (FDIC): and

Financial Fraud Enforcement Task Force:

Texas Attorney General Frauds and Scams:

Equifax: 1-800-525-6285 or

Experian: 1-888-397-3742 or

Transunion: 1-800-680-7289 or

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