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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 Changes-Effective February 8, 2017

In our continuing efforts to keep your accounts secure, we've improved our alert system for potential fraud.  

Heres how it works. When potential fraud is detected:

  1. You will continue to 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 rather than just between the times of 7:00AM to 9:00PM. 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.

The phone number for our Fraud Center is 1-800-417-4592.  If you add this number to your phone contacts and label it "Fraud Center", it will display whenever you get a call from this 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.  



Ransomware on the Rise

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:

Corporate Account Takeover-Protecting Your Business from Fraud

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:

National Committee for the Prevention of 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.....  



ATM Safety Tips

Protecting your ATM Card
  • Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.
  • Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.
  • Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.
  • Never give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately. 
Using an ATM
  • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
  • Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
  • Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.
  • Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.
  • To keep your account information confidential, always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
Special Precautions for Using an ATM at Night
  • Park close to the ATM in a well-lighted area.
  • Take another person with you, if at all possible.
  • If the lights at the ATM are not working, don't use it.
  • If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.
ATM Crime
These tips are meant to make you aware that although rare, ATM crime can happen. Preventing such a crime must be a cooperative effort between you and your bank.  

Source: American Bankers Association




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