Fraud Prevention

Jacksboro National Bank will never call you and ask for any account information, social security number, User ID, password, or debit card number.

We will never send you a text message with a link or ask you to respond to a question. Fraudsters will try to trick you! So if you have concerns, call us at 940-567-5551.


We’re consistently working to keep your accounts and information secure.

Here are some of the ways we protect you:

  • Keeping your personal and financial information protected and secure through responsible information collection and processing.
  • Protecting against threats with an award-winning cybersecurity team that delivers comprehensive security round-the-clock.
  • 24/7, real-time monitoring for suspicious account activity.

Never Respond to Emails Asking for Personal Information

Companies you do business with should never ask for your account information, credit card numbers or password in an email. If you have any questions about an email you receive that supposedly came from your financial institution or service provider, find their number on their website and call them.

Social Media Privacy Settings

Privacy settings on social networks have limited value. They are confusing to configure and change often. Ultimately, if you do not want anyone or boss reading it, do not post it.

Secure Your Home Wi-Fi Router

The most effective steps you can take to secure your wireless network at home is to change the default admin password, enable WPA2 encryption and use a strong password for your wireless network.


Phishing is a form of identity theft that occurs when a malicious website impersonates a legitimate one in order to trick you into giving up sensitive information such as passwords, account details, or credit card numbers.  Phishing attacks usually come from email messages that attempt to lure the recipient into updating their personal information on fake but very real-looking websites.


Malware is malicous software designed to infect your computer without your knowledge.  Malware is most often used to steal personal information, send junk email (spam), or spread more malware.

Fake Online Stores

While most online stores are legitimate, some are not; they are fake websites set up by criminals. Criminals create these fake websites by copying the look of or using the name of well-known stores. They then use these websites to prey on people who are looking for the best deal possible. When you search online for the absolute lowest prices, you may be directed to one of these fake websites.

When selecting a website to purchase a product, be wary of websites advertising prices dramatically cheaper than anywhere else or offering products sold out nationwide. The reason their products are so cheap or available is because what you will receive is not legitimate, is a counterfeit or stolen item or, in some cases, you never even receive anything. Protect yourself by doing the following:

  • Verify the website has a legitimate mailing address and a phone number for sales or support-related questions. If the site looks suspicious, call and speak to a human.
  • Look for obvious warning signs like poor grammar and spelling.
  • Be very suspicious if a website appears to be an exact replica of a well-known website you have used in the past, but the website domain name or the name of the store is slightly different. For example, you may be used to going to the website for all of your Amazon shopping. But be very suspicious if you were to find yourself at a website pretending to be Amazon with the URL
  • Type the store’s name or URL into a search engine and see what other people have said about the website in the past. Look for terms like “scam,” “never again” or “fake.” A lack of reviews is also not a good sign, as it indicates that the website is very new.

Remember, just because the site looks professional does not mean it’s legitimate. If something about the site sets off warning bells, take time to investigate. If you aren’t comfortable with the website, don’t use it. Instead, find a well-known website you can trust or have safely used in the past. You may not find quite as great a deal or find that hot ticket item, but you are much more likely to end up with a legitimate product and a clean credit report.

Your Computer/Mobile Device

In addition to shopping at legitimate websites, you want to ensure your computer or mobile device is secure. Cyber criminals will try to infect your devices so they can harvest your bank accounts, credit card information and passwords. Take the following steps to keep your devices secured:

  • If you have children in your house, consider having two devices: one for your kids and one for the adults. Kids are curious and interactive with technology. As a result, they are more likely to infect their own device. By using a separate computer or tablet just for online transactions, such as online banking and shopping, you reduce the chance of becoming infected. If separate devices are not an option, then have separate accounts on the shared computer and ensure your kids do not have administrative privileges.
  • Only connect to wireless networks you manage, such as your home network, or networks you know you can trust when making financial transactions. Using public Wi-Fi networks, such as at your local coffee shop, may be great for reading the news, but not for accessing your bank account.
  • Always install the latest updates and run up-to-date anti-virus software. This makes it much harder for a cyber criminal to infect your device.

Your Credit Card

Keep an eye on your credit card statements to identify suspicious charges. You should review your statements regularly, at a minimum at least once per month. Some credit card providers give you the option of notifying you by email or text messages every time a charge is made to your card or when charges exceed a set amount. Another option is to have one credit card just for online purchases. That way, if it is compromised, you can easily change the card without impacting any of your other payment activities. If you believe fraud has been committed, call your credit card company right away and explain the situation. This is also why credit cards are better for online purchases than debit cards. Debit cards take money directly from your bank account, and if fraud has been committed, it can be far more difficult to get your money back.

Finally, there is new technology that enables you to pay without exposing your credit card number. Consider credit cards that generate a unique card number for every online purchase, or use well-known payment services, such as PayPal, which do not require you to disclose your credit card number to the vendor.

Scams to Avoid

A scammer may call, email, or text you, pretending to be from the bank, and ask for information that allows them to access your account. If you receive a one-time passcode you didn’t request, don’t give the passcode to anyone who contacts you for it. Likewise do not share any information with an unsolicited caller who may be inquiring about out of bank authentication information. Scammers may tell you there is an urgent fraud situation to attempt to trick you into quickly acting. Hang up on suspicious calls immediately, even if they appear to be from the bank. Scammers sometimes use technology to “spoof” phone numbers, so it appears the call is originating from the bank. If you have any concerns that the call might not be legitimate, call the bank at the number found on your account statement. Scammers may make unusual requests for sending or transferring money. Fraudsters may contact you to pretend to help you with an ongoing fraud situation. To reverse it, they suggest you transfer money “to yourself” when, in fact, the account you transfer money to belongs to the scammer. This could cause you to lose money or even become unknowingly involved in a crime. The bank will never call you to request that you transfer money to yourself or any other third party using P2P.

Don’t reply to an email, phone call or text message that does these things:

  • Requires you to give your personal or account information either directly in the email or on a website the email sends you to. Some attackers, for example, use pop-up windows on Web pages to ask for your confidential information.
  • Threatens to close or suspend your account if you don’t take immediate action Invites you to answer a survey that asks you to enter personal or account information.
  • Tells you your account has been compromised, then asks you to give or confirm your personal or account information.
  • Tells you there are unauthorized charges on your account, then asks you to give your personal or account information.
  • Asks you to confirm, verify or update your account, credit card or billing information.

What protection do I have if I already responded to a phishing attempt?

Each situation is different, so it’s best to call us as soon as possible. We’ll work with you to decide the best course of action based on the type of data you shared and the situation.