Fraud Education

Protect yourself with knowledge.


Fraud happens close to home. At Bank of the Flint Hills, we believe education is the best defense against fraudsters. By understanding common scams and red flags, you can help secure your finances and personal information in today’s increasingly digital world.

Protecting your information online starts with a few simple habits. Here are some tips to help keep your accounts safe:

  • Create strong passwords. Use a mix of uppercase and lowercase letters, numbers, and symbols. Avoid easy-to-guess info like birthdays or pet names.

  • Change your passwords regularly. Updating them every few months lowers your risk if one is ever exposed.

  • Don’t reuse passwords. Each account should have its own unique login.

  • Turn on multi-factor authentication (MFA). MFA adds an extra step when you log in — like entering a code texted to your phone or using a verification app — to confirm it’s really you. Even if someone steals your password, they won’t be able to access your account without that extra step.

  • Keep your devices updated. Install updates for your phone, computer, and apps to patch security flaws.

  • Be cautious with links. Don’t click on suspicious links in emails or texts, even if they look official.

  • Log out of accounts. Especially on shared or public devices.

  • Use secure connections. Only log into your accounts on trusted networks — avoid public Wi-Fi when banking.

Remember: Bank of the Flint Hills will never call, text, or email you asking for your password or login details. If something doesn’t feel right, contact us directly — we’re here to help.

Keep in mind that Bank of the Flint Hills will NEVER request:

  • Sensitive Information: Your account number, PIN, Secure Access Code (SAC), or password.

  • Actionable Links: Do not click on suspicious links sent via email or text messages.

  • Unsolicited Requests: Be cautious of any phone calls, emails, or texts asking for personal details.

Tip: Always verify suspicious communications by calling our Customer Care Center or visiting your local branch.

Email, Phone, and Text Scam Tips:
Legitimate organizations do not solicit sensitive personal details via phone, email, or text.

  • Always pause before providing any information.

  • Verify the communication by contacting us directly if you suspect it may be fraudulent.

If you receive a message that appears to be from us asking for sensitive details—even if the sender’s information looks correct—do not share your information and call our Customer Support immediately.

How to Contact Us:

  • Call: (785) 456-2221

  • Visit: Your nearest Bank of the Flint Hills branch

  • Speak with Your Banker: You know whom to trust

It pays to be cautious. Scammers are always trying new tricks, but a few warning signs stay the same. Here’s what to watch out for:

  • Unusual Requests – Be suspicious of any request for your banking details, especially if it’s unexpected.

  • Urgency or Threats – Scammers often create a false sense of urgency to get you to act fast.

  • Too Good to Be True – If it sounds like an unbelievable offer, it probably is.

  • Strange Links or Attachments – Never click links or download files from unknown senders.

Fraudsters use multiple tactics to gain access to your money and personal details. Here are several scams you should be aware of:

Imposter Scams

Fraudsters may impersonate trusted brands, government agencies, or even family members, often asking for money or personal information. Always be suspicious of unsolicited contact that pressures you for information or funds.

Romance Scams

Scammers may establish online relationships and later request financial assistance or share manipulated stories to gain sympathy and access to your accounts. Be cautious if:

  • The relationship escalates quickly.

  • Communication is solely through online channels.

  • There is reluctance or delay in meeting face-to-face.

If you think you may be a victim or need guidance, please contact your personal banker — or find our fraud hotline number under the Support tab in your mobile banking app.

Fake Check Scams

Be wary of checks received from unknown sources. Always verify before depositing any unexpected or suspicious funds.

Refund & Recovery Scams

After a scam, you might be approached by fraudsters offering “recovery services” for a fee. Trust only verified sources when seeking help in these situations.

Money Mule Scams

Do not transfer funds received from an unknown party. Acting as a money mule may involve you in laundering stolen funds. Always check with us before moving unexpected money.

Employment and Tech Support Scams

Job seekers and technology users are frequent targets. Avoid offers that seem too good to be true or tech support calls that request access to your personal devices. If unsure, reach out to Bank of the Flint Hills for verification.

Gift Card Scams

If asked to use gift cards as a method of payment, consider it a red flag. Gift card scams are common and often irreversible.

One of the best ways to spot fraud early is by keeping tabs on your credit. Every consumer is entitled to one free credit report each year from each of the three major credit reporting agencies:

That means you can pull a report from one agency every four months—helping you keep a steady watch throughout the year.

When you review your credit report, look for accounts or loans you don’t recognize. If someone has tried to open credit in your name, this is often where it shows up first.

You can request your free reports at AnnualCreditReport.com, the only federally authorized source for free credit reports. 

We recently learned that some of our customers have received mail claiming to be a “Final Notice” about their mortgage warranty or home coverage. These letters are not from Bank of the Flint Hills and are designed to pressure you into calling unknown 800-numbers and sharing personal information.

To help protect you, we have marked up an actual scam letter to show the real red flags you can look for:

Mortgage Final Notice Scam Letter Explained

 

Common Red Flags in These Letters

  • Urgent or threatening language, such as “IMMEDIATE RESPONSE REQUIRED” or “FINAL NOTICE.”

  • Incorrect or misleading references to your mortgage lender.

  • Requests to “call and verify” your information using unfamiliar 800-numbers.

  • Poor grammar, typos, or awkward phrasing.

  • Tiny disclaimers at the bottom stating they are not affiliated with your mortgage holder.

What You Should Do

  • Do NOT call the number listed on the letter.

  • Do NOT share personal or financial information.

  • Contact your Mortgage Loan Officer directly at Bank of the Flint Hills—we’re always happy to confirm what is (and isn’t) from us.

  • If you receive something suspicious, bring it to any branch, and we’ll review it with you.

Your safety matters to us. Staying alert to these signs can help protect your personal information and your peace of mind.





Elderly women on the phone.

Contact Us

If you think you’ve been targeted or need help spotting a scam, we’re here for you.

Phone: (785) 456-2221
Email: support@bfh.bank

Let’s work together to keep your money and information safe and secure.