Fraud types & detection.
Fraud Detection

Fraud Types and Detection

E-mail Phishing

E-mail phishing enables offenders to obtain personal information via e-mail and the Internet. With phishing, an e-mail header is forged to make it appear as if it came from someone other than the actual source. The fraudulent e-mail message may direct you to a "spoofed" Web site that looks just like the legitimate source's Web site, but isn't. In these cases, the e-mail or pop-up messages are used to deceive you into disclosing sensitive personal information so that the offender may use your information to make fraudulent purchases, access your accounts or steal your identity.

INTRUST Bank uses enhanced authentication factors beyond your user ID and password to help prevent fraud as a result of phishing and spoofing. For instance, if you're an Online Banking customer, seeing the picture and personal phrase you selected is your assurance that you're on our legitimate Web site instead of a spoofed Web site and it's safe to log in.

To learn more, we encourage you to read You Can Fight Identity Theft a valuable resource from the FDIC.

Telephone Phishing

Telephone phishing enables offenders to obtain personal information via the telephone. Usually, offenders gather bits of information in advance and use it, along with the information you provide over the phone, as a means to complete the information for your account. With full account data, the offender can more easily make fraudulent transactions.

In some cases of phone phishing, the offenders send you a fraudulent e-mail message that appears to be from a legitimate financial or government source, but isn't. The e-mail claims that your accounts have been deactivated due to fraudulent activity and requests that you call a specific phone number in the e-mail to reactivate the accounts. When you call the phone number, the friendly voice message claiming to be a financial institution prompts you to disclose sensitive information. In other cases of phone phishing, offenders are able to spoof caller ID so that their call appears to be from a legitimate bank, but isn't. It's during the call that you're prompted to disclose the sensitive information to complete your account data.

Text Phishing

Text phishing occurs when offenders send you a text message in an attempt to coerce you into providing personal information. Like with some cases of telephone phishing, the text message claims that your account has been deactivated and requests that you call a specific phone number in the text message to reactivate the account. Once the phone number is called, you’re prompted via automated message to provide your account information. Offenders will then use your account information to make fraudulent transactions.

Identity Theft

Identity theft occurs when your personal information is used by someone else to open new accounts or initiate transactions in your name. Identity theft occurs through a number of ways offline – from stealing wallets and purses, intercepting and rerouting mail or rummaging through garbage. To learn more, visit, the U.S. government's central website for information about identity theft, or call the Identity Theft hotline at 1-877-IDTHEFT.​​​​​​​

Fake Check Scams

Fake check scams occur when you receive a realistic-looking phony check and don't discover that it's fake until after depositing it and sometimes wiring money back to the offender. Usually the scams start with someone offering to:

  • Buy something you advertised for sale
  • Pay you to work at home
  • Give you an “advance” on a sweepstakes you've won
  • Give you the first installment on the millions you'll receive for agreeing to transfer money in a foreign country to your bank account for safekeeping.


Skimming, which occurs when your credit or debit card account information is captured in a data storage device, is a practice offenders employ to create counterfeit credit or debit cards from your account information. Your card may be swiped first for an actual purchase, and then swiped again into a small hand-held device called a skimmer, or a skimmer may be attached to an ATM machine or unattended gas pump where you swipe your card or enter your card information.

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