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Customer Education

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Resources to keep you informed

GNBank is committed to providing financial education programs and resources for our customers, helping strengthen the economic well-being of our community.
Spammy Texts: We all get spammy texts, but what if it looks and sounds like your Bank? Think before you act. GNBank will never ask for personal or account information via text message.

PIN: Your PIN (personal identification number) will never be asked for by your Bank. If you received a text message or phone call asking for this information, hang up and don't respond!

Phone Call Scams: Scammers will count on you to act before you think. GNBank will never pressure you to act immediately or threaten you with "your account will be closed." Also, rely on something other than caller ID.  Scammers can make any number or name - even your local Bank - appear on your caller ID. Please be careful with incoming calls.

Please get in touch with us directly instead of responding to sketchy texts, emails, and phone calls.

Additional resources can be found at BanksNeverAskThat.com
Have you ever received an Email that appeared to be from your bank but asked you to click a suspicious link? Nice try, scammer!

Learn more from our informational video.
Be wary of phony telephone calls and automated messages (robocalls) that purport to be from GNBank. This fraudulent activity, known as “phishing” attempts to acquire sensitive information, such as account numbers, passwords, or PIN numbers, to access financial accounts. These “phishing” scammers have only phone numbers and geographic information. They do not have any personal financial information! GNBank will never telephone you to verify or obtain your account or debit card information.

Finally, please do not give out personal information over the phone or release information online!

GNBank recommends that customers:
  • Never provide personal information, including financial account details and Social Security Numbers, to anyone unknown to them.
  • Use great caution before providing personal information that could be used to access financial accounts through Email or the Internet.
  • Never provide account information over the phone when contacted unexpectedly by someone claiming to be from a Bank; follow up with the institution by phone or in person.
  • Safeguard passwords, PIN numbers, and other account-accessing details or codes; never write that information on credit/debit cards or carry it in a wallet or purse.
  • Save on Identity Theft Protection through our Advantage Benefits.
Since 1933, the FDIC seal has symbolized the safety and security of our nation’s financial institutions. FDIC deposit insurance enables consumers to confidently place their money at thousands of FDIC-insured Banks across the country and is backed by the full faith and credit of the United States government. FDIC deposit insurance coverage depends on (1) whether or not your chosen financial product is a deposit product; and (2) whether or not your Bank is FDIC-insured.
 
The FDIC Covers
  • Checking accounts
  • Negotiable Order of Withdrawal (NOW) accounts
  • Savings accounts
  • Money Market Deposit Accounts (MMDAs)
  • Time deposits such as certificates of deposit (CDs)
  • Cashier’s checks, money orders, and other official items issued by a Bank
Coverage Limits
The standard insurance amount is $250,000 per depositor, per insured Bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Therefore, depositors may qualify for coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met. All deposits an account holder has in the same ownership category at the same Bank are added together and insured up to the standard insurance amount.

For Additional Information from the FDIC 
Calculate Insurance Coverage Using EDIE

The Electronic Deposit Insurance Estimator – EDIE – is an online tool that’s simple and easy to use. To calculate your deposit insurance coverage, use EDIE at FDIC Insurance Calculator

Read more about FDIC insurance online at Understanding Deposit Insurance


HelpWithMyBank.gov is an official Office of the Comptroller of the Currency (OCC) website established to help you find answers to your questions regarding national Banks and federal savings associations.

The OCC, an independent bureau of the U.S. Department of the Treasury, manages this site. The OCC charters, regulates, and supervises all national Banks, federal savings associations, and federal branches and agencies of foreign Banks. 

Spot the red flags of elder financial exploitation, which is the improper use of an older person's funds. It is the fastest-growing form of elder abuse. Check out these tips from the American Bankers Association Foundation to learn how to spot them.
You get a call, email, or letter saying you won a sweepstake, lottery, or prize — like an iPad, a new car, or something else. But you can tell it’s a scam because of what they do next: they ask you to pay money or give them your account information to get the prize. If you pay, you’ll lose your money and discover no award. 

More resources are available on the American Bankers Association's and the Federal Trade Commission's Consumer Advice websites. 
Online payment systems or apps like Zelle, Venmo, and CashApp let you quickly send and receive money. Linking the service to your bank account or debit card is almost like handing someone cash. Be sure you know who you're sending money to. Once you send money, it's nearly impossible to get it back. Also, note that your Bank will never ask you to pay for something using a Payment App. Even if the person seems legit, hang up, delete the text message, and call your Bank to verify. 

Learn more about Payment Apps and Services.
Suppose someone sends you money and asks you to send it to someone else, STOP. You could be what some people call a money mule — someone scammers use to transfer and launder stolen money. 
Teaching children to save can help them make knowledgeable financial decisions. Below are resources for you to use at any time. 

It’s never too late to assess your finances, gain control, and stick to a new budget or savings plan. Taking control of your finances will allow you to save and prepare for unexpected expenses. Get financially fit by checking out the American Backers Association Foundation's tips.
Credit card skimmers are devices criminals attach to ATMs, gas pumps, and other payment terminals to steal your card information. Skimmers come in all shapes, sizes, and varying degrees of complexity.
 
Ways to spot a skimmer:
  • At gas stations, check the gas pump panel for tampering. Gas pumps have a lockable door that should be closed and securely fashioned. If the tamper-resistant seal is broken, do not use the gas pump, and tell an employee that the pump may not be safe to use.
  • Inspect the card slot and PIN pad and compare them with other pumps. Try to wiggle the card slot; if it becomes loose or is strangely bulkier than other pumps at the same station, you may want to move to another terminal. 
  • Be on the lookout for hidden cameras. Thieves use cameras to obtain credit card information as you type it into the PIN pad. If you notice phony screens, shades, or tiny pinhole cameras, do not use your PIN. As a precaution, always shield your PIN with your hand. 
Skimming can happen anytime, anywhere. Criminals are becoming more advanced with data collection. 
 
Contact your local law enforcement immediately if you spot a skimmer on a payment portal or are a skimming victim.
Did you get a message saying that your computer or phone is infected? Don’t call a phone number or click a link. Don’t give control of your computer or phone, and do not send money. 

Tech support scammers want you to believe you have a severe problem with your computer or phone, like a virus. They want you to pay for tech support services you don't need to fix a problem that doesn’t exist. They often ask you to pay by wiring money, putting money on a gift card, prepaid card, or cash reload card, or using cryptocurrency or a money transfer app because they know those payments can be hard to reverse. Learn how to spot, avoid, and report tech support scams.

Report scams to the Federal Trade Commission at ReportFraud.ftc.gov