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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

Heres 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.  



FDIC Consumer News Issues Warning About 10 Scams Targeting Bank Customers

An Overview of 10 Schemes Bank Customers Need to be Aware of:

Summer 2017 FDIC Consumer News

Ransomware is malware that encrypts a computer's files. Once encrypted, users are shown instructions for how to pay a fee to get the decryption key.   It can infect the device of the unwitting user when they click on an infected popup advertisement, email attachment or when visiting an infected website.  One type of ransomware that has created issues globally of late is disguised as an unassuming invoice attachment.  For more information regarding this subject, please visit the Department of Homeland Security's United States Computer Emergency Readiness Team (US-CERT) webpage: 

Ransomware and Recent Variants

More Information regarding Ransomware from the ABA:

Ransomware Infographic

Important Online security tips from the Federal Government:

On Guard, Online

Learn more about common scams that the FBI Investigates:

Fraud Schemes/Scams-FBI

Cyber criminals are targeting the financial accounts of owners and employees of  businesses:


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

Federal Trade Commission Identity Theft Site

United States Department of Justice-Identity Theft and Fraud

Understanding Financial Elder Abuse:

ABA-The Grandparent Scam: What You Need to Know


Innovative tips and information about financial matters from the FDIC

FDIC Consumer News

Choosing and Using the Right Bank Account

A Bank Customer's Guide to Cybersecurity

Understand your Right to "Opt-Out" of Credit Reporting Companies from Providing your Credit File Information for "Firm Offers."    

Official Website of the Consumer Credit Reporting Industry to "Opt-Out" or "Opt-In"

 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 Report.com


 Pay Your Federal Taxes Online:

Electronic Federal Tax Payment System(EFTPS)

Resources for New Hampshire Business:


A Non-profit Association Dedicated to Educating Entrepreneurs and Counseling Small Businesses:


Working on Behalf of Small Businesses Since 1976:

United States Small Business Administration


Education Spotlight On.....  




Online Scammers Require Payment Via Music Application Gift Cards

Source: Federal Bureau of Investigation, Internet Crime Complaint Center (IC3)

Alert Number I-080117-PSA, August 1, 2017

Complaints filed with Internet Crime Complaint Center (IC3) from 2017 show online scammers are asking victims to pay fraudulent fees using music application gift cards as part of multiple fraud schemes. These schemes include auction frauds, employment/opportunity scams, grandparent scams, loan frauds, romance scams, ransomware, tax frauds, and various other online schemes.

In this scam involving music application gift cards, the perpetrator directs the victim to a specific retailer to obtain music application gift cards of varying amounts. Once the victim has purchased the gift cards, the perpetrator directs the victim to reveal the numbers on the back of the cards and provide them to the perpetrator via telephone, email, text, or a designated website. Once the perpetrator obtains the music application gift card data, the perpetrator either continues to request additional funds through more gift card purchases or ceases all communication with the victim.

The financial impact to victims can range from hundreds to thousands of dollars. IC3 victim complaint data from January through June 2017 involving music application gift cards indicate that these scams have impacted hundreds of victims with reported losses exceeding $6 million.

This scam is also associated with other fraud scams involving victims having won a prize, needing to pay a tax debt, having qualified for a loan, or that a friend or relative is in trouble and needs a payment via music application or other prepaid gift card to assist. 

General Online Protection Tips

  • Recognize the attempt to perpetrate a scam and cease all communication with the perpetrator.
  • Research the subject’s contact information online (e.g., email address, phone number); other individuals have likely posted about the scam online.
  • Resist the pressure to act quickly. The perpetrator creates a sense of urgency to produce fear and lure the victim into immediate action.
  • Never give unknown or unverified persons any personally identifiable information (PII).
  • Ensure all computer antivirus and security software and malware protection are up to date.
  • If you receive a pop-up or locked screen, shut down the affected device immediately.
  • Should a perpetrator gain access to a device or an account, take precautions to protect your identity. Immediately contact your financial institution(s) to place protection on your account(s), and monitor your account(s) and personal information for suspicious activity.
  • Always use antivirus software and a firewall. It is important to obtain and use antivirus software and firewalls from reputable companies. It is also important to maintain both of these through automatic update settings.
  • Enable pop-up blockers. Pop-ups are regularly used by perpetrators of online scams to spread malicious software. To avoid accidental clicks on or within the pop-up, it is best to try to prevent them in the first place.
  • Be skeptical. Do not click on any emails or attachments you do not recognize, and avoid suspicious websites.
  • If you receive a pop-up or message alerting you to an infection, immediately disconnect from the Internet to avoid any additional infections or data loss. Alert your local FBI field office and file a complaint at www.ic3.gov.

Filing a Complaint

Individuals who believe they may be a victim of an online scam (regardless of dollar amount) can file a complaint with the IC3 at www.ic3.gov.

In reporting online scams, be as descriptive as possible in the complaint by including:

  • Name of the subject and company.
  • Email addresses and phone numbers used by the subject.
  • Web sites used by the subject company.
  • Account names and numbers, and financial institutions that received any funds (e.g., wire transfers, prepaid card payments).
  • Description of interaction with the subject.

Complainants are also encouraged to keep original documentation, emails, faxes, and logs of all communications. To view previously released PSAs and scam alerts, visit the IC3 Press Room at www.ic3.gov/media/default.aspx

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