Bank Routing Number
107001481
Bank by Mail/General Mail
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
Phone Number
1-877-712-2265
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Getting scammed – it happens more often than you would think. Last year, The Federal Trade Commission reported that Americans lost $1.9 billion to phishing and other fraud in 2019. We’ll review different types of fraudulent activity and how to protect your bank account with some online security (cybersecurity) tips.
The first important thing to know is that banks will never call you and ask for your information. Beware of any call or email that tries to solicit the following information: your account number, your username and password, your PIN, your Social Security Number, your birthday, or your home address. Likewise, don’t fall for it if someone tries to convince you to share a one-time code, download an attachment, fill out a form, or reveal an answer to a security question.
Read on for some more helpful tips on how to spot fraud, and what to do about it if you find yourself a victim of it.
Following the definition from Phishing.org, phishing is a type of online scam where criminals send fraudulent emails, phone calls, and texts that appear to come from a legitimate financial institution. These communications are deceptive by nature, and will try to a) persuade you to enter confidential information into a fake website by following a link, or b) imitate your bank over the phone.
If you suspect that an email or text you receive is a phishing attempt, report it immediately or just delete it.
Here are the steps you can take:
If you receive a phone call that seems to be a phishing attempt:
You can read more pointers on how to protect against scams and frauds here.
1. Contact your bank, financial institutions, and creditors
2. Secure your email and other accounts
3. Check your credit reports and place a fraud alert on them
4. Contact ChexSystems at 888.478.6536 to put a security alert on the compromised checking and savings accounts.
5. Contact the Federal Trade Commission to report an ID theft incident: visit ftc.gov/idtheft or call 877.438.4338.
6. File a report with your local law enforcement
Regularly monitoring your accounts through Digital Banking online or on your phone is the most convenient way to monitor any unauthorized purchases. If you aren't signed up, click here to complete the first-time enrollment process for Academy Bank’s Digital Banking on your desktop, smartphone or tablet.
You can then sign up for automatic account alerts to track your debit card and/or credit card transactions.*
You can up your security measures further by ensuring your card has an EMV chip.
To recap the information provided, here’s a quick, handy list to avoid getting scammed.
1. Beware of links.
2. Watch out for scare tactics.
3. Always call the number — the trusted source — on your card.
4. Protect your confidential information.
5. Watch out for typos or other errors in communications.
6. Don’t provide personal information to unknown senders or callers.
7. Immediately report the incident if you suspect you’ve been scammed or phished.
8. Set up automatic alerts through your online and mobile banking platforms to track your transactions.
As long as you follow these basic steps, you should be well on your way to avoid fraud in the future.
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* Fees from your mobile phone carrier may apply.