Your Top Questions About Fraud – Answered
Fraud can happen fast. These simple tips can help you stay safe and in control.
What’s the difference between fraud and scams? Fraud is any trick to steal your money or personal information. Scams are just one type – and they
often look like texts or emails that seem legitimate.
What are the most common types of fraud? Account takeovers, identity theft, credit card fraud, phishing emails, and even fake investments.
What kinds of scams should I watch for? Peer-to-peer payment requests, fake sellers, tech support scams, impersonators, and romance
scams. Only send money to people you know – and double-check before you click.
How can I spot fraud before it happens? Trust your gut. If something feels rushed, strange, or too good to be true – stop. Don’t click
suspicious links or send money to people you don’t know.
What’s the best way to protect my financial information? Keep account numbers and login details private. Use strong, different passwords for every
account – and change them often.
What can I do to protect my online and mobile banking? Turn on multi-factor authentication. Keep apps updated. Use private networks, not public Wi-Fi. And turn on card controls to freeze your card fast if needed.
How can I tell if a call, text, or email is legitimate? If someone asks for your PIN or account number, it’s not us. When in doubt, hang up or delete the message – and call us directly.
How often should I check my accounts? Every day, if you can. A quick look now can help you catch something suspicious before it becomes a bigger problem.
What should I do if I think I’m a fraud victim? Call Citizens National Bank right away at 865-429-7521. We’re here to help you figure out what happened and what to do next.
Should I use credit monitoring? Yes. It can help you catch new accounts or credit changes tied to your name – and alert you after a data breach.
How can I tell if a website is fake? Watch for small mistakes in the URL, no padlock or HTTPS, and bad design or spelling errors. When in doubt, don’t enter your personal details.
Stay Informed, Stay Protected. If something feels off, don’t wait. Reach out to us anytime – we’re here to help protect what you’ve worked hard for.
January 28, 2026
