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Sugar River Bank

Education Center

Welcome to the Education Center!

We are committed to empowering you with the knowledge you need for better financial security and management.  We  believe knowledge is your greatest asset.  Search our information center for important tips, links and information.


Fraud Center Information

Here is how it works. When potential fraud is detected:

  1. You will receive emails as first point of contact, upon receiving an email you can reply with "Fraud" Or "No Fraud". 
  2. One minute after the email is sent, you will receive a text message. Text messages will be sent  24/7. The response process has been simplified to confirming fraud or no fraud with just a YES or NO reply.  The text messages will appear to be coming from SRBk.  
  3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.*

Opt Out Support-You will now be able to opt out of the voice channel for future contact at the specific phone number dialed.  In addition, SMS messages will provide instructions should you wish to opt out of text messaging.  

Remember-our messages will never ask for your PIN or account number.  

 *Calls will only be made between 8:00AM and 9:00PM EST.

Debit Card Security

As your trusted financial partner, Sugar River Bank is committed to protecting you from trends in fraudulent debit card transactions.  

Our Fraud Prevention Services Team may at times block certain states, countries or merchant types if there has been an increase in reported fraudulent activity in those locations.

Important … If you have trouble using your card as a signature based transaction, you may be able to complete your transaction using your PIN. Always carry a back-up payment source in case your card is blocked due to suspected fraudulent activity.

Monitor your accounts online using online banking or review your monthly statement on a regular and timely basis. Notify us immediately if you discover any suspicious or unauthorized activity.

Debit Card Transaction Monitoring

If you will be using your debit card while traveling or are planning any "out of the ordinary" purchases, please call Customer Service at 1-800-562-3145, Monday-Thursday between 9:00 AM and 5:00 PM, Friday between 9:00 AM and 6:00 PM or Saturdays between 9:00 AM and 12:00 PM, to inform us of your travel location, travel dates or in the case of an "out of the ordinary" purchase-the name of the merchant.  If you have Online Banking, you can log in and send us a message securely.  We will provide this information to our Fraud Prevention Services Team in order to prevent your card from being blocked due to "out of the ordinary" transactions.  


Education Spotlight On.....

Romance Scams on the Rise in New Hampshire

Source: AARP New Hampshire by Jamie Bulen

The New Hampshire Bureau of Securities Regulation is warning New Hampshire residents of romance scammers, con artists who create believable profiles, entice people into online relationships, establish a level of trust, and scam their victims by exploiting the relationship for money. 

Online romance scams have become increasingly pervasive because the scammers can easily use the anonymity of the internet
to mask their deceptive personas.  

Most often, these scams begin with some kind of invitation to chat using a social media or dating platform.  The scammers creative fake profiles and, to be especially convincing, use a picture that is not their own and fabricate an identity including work, education, and personal histories.  What they have managed to do is invent a fake life for a fake identity.  Eventually, these scammers will try to communicate by e-mail or text message and will seek money for real-sounding investments, business ventures or personal financial hardships.    

The NH Bureau of Securities Regulation has the following tips for people to consider in order to help them avoid becoming a victim of a romance scam. 

  • Do not send wire or deposit money. Be very suspicious if you are asked for money by someone you have only met online. 
  • Research the person's photo and profile using online searches to see if the material has been used elsewhere.  Use a Google image search to check if their profile picture is genuine.
  •  Go slow and ask questions.  Often, romance scammers will claim love or want a serious online relationship too quickly.
  •  Research any companies, business ventures or ideas that the person wants you to invest in. 
  • Beware if the individual seems too perfect or quickly asks to leave a dating service or social media site to go "offline".
  • Beware if the individual attempts to isolate you from friends and family. 
  • Beware if the individual promises to meeting in person, then always comes up with an excuse why he or she can't.  If you haven't met the person after a few months, for whatever reason, you have good reason to be suspicious.  Romance scammers may plan a visit, but will later claim they are prevented from traveling for some reason(although this is likely a lie.)
  • Beware if the individual impersonates a US service member. Scammers will likely claim they are serving overseas or have been dishonorably discharged.  Be suspicious if he or she is unable to talk on the phone, via webcam, or cannot send at least one email using an email address that ends in ".mil." For more information about scams involving a possible US service member, visit
  • Beware if you notice inconsistencies such as different phone numbers, email addresses or online profiles.  A romance scammer may also change his or her story or history frequently.
New Hampshire residents who believe they have been victimized should contact the NH Bureau of Securities Regulation by calling its toll-free hotline at 800-994-4200 (603-271-1463) or emailing
Victims can also report a romance scammer to the State of New Hampshire office of the Attorney General's Consumer Protection Bureau by calling 888-468-4454 or emailing

More Information regarding Ransomware from the ABA:

Ransomware Infographic

Learn more about common scams that the FBI Investigates:

Fraud Schemes/Scams-FBI

One-stop national resources to learn about the crime of identity theft :

United States Department of Justice-Identity Theft and Fraud



Know Before you Owe:

Consumer Financial Protection Bureau-Financial Literacy and Education

Federal Reserve-Resources, Publications and Educational Games:

Federal Reserve Education

Learn more about Treasury Securities-From Savings Bonds to Treasury Notes:

US Savings Bonds

Internal Revenue Service:


Free Credit Report:

Annual Credit

Help For Agents Under Power of Attorney:


Help For Representative Payees and VA Fiduciaries: 


Help For Court-Appointed Guardians of Property and Conservators:


Help For Trustees Under a Living Trust:



Pay Your Federal Taxes Online:

Electronic Federal Tax Payment System(EFTPS)

Resources for New Hampshire Business: