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Common Coronavirus Scams and How to Avoid Them

 

The FTC has recently seen a rise in COVID-19 related scams. Scammers are taking advantage of the fears surrounding the coronavirus and using them to attempt to steal your valuable information. Here are some of the most common coronavirus scams and tips to help you keep the scammers at bay:

Hang up on robocalls.

Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it will likely lead to more robocalls instead.

Ignore online offers for vaccinations and home test kits.

There is currently no vaccine and no FDA-authorized home test kits for the coronavirus. Scammers are trying to get you to buy products that aren’t proven to treat or prevent the coronavirus online or in stores.

Fact-check information.

Scammers, and sometimes well-meaning people, share information that hasn’t been verified and may not be accurate. Before you pass on any messages, contact trusted sources to determine the accuracy of the information. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.

Know who you’re buying from.

Anyone can set up shop online - including scammers. Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don’t. Verify the legitimacy of the seller through a quick Google search.

Don't click on links from unknown sources.

Clicking the link could download viruses onto your computer or device.

Watch for fake emails claiming to be from the Centers for Disease Control and Prevention (CDC).

Scammers will fake emails from the CDC or other experts saying they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).

Do your homework when it comes to donations.

Whether you're donating through charities or crowdfunding sites, research the charity to determine if it is legitimate and don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.

Digitally Enabled and Incredibly Accessible!

 
  • Online Banking/Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Apple Pay
  • 70,000 Surcharge-Free ATMs - Worldwide
  • Enhanced ATM/Debit Card
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All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible

Texans are smart and our checking accounts should be too. That's why all of our accounts are digitally focused and offer 24/7 access. Use the chart below to select the account that's right for you.

Purchase Rewards

Earn Cash Back Rewards, just for Using Your Texans Debit Card

Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.

  1. Receive personalized offers directly in online or mobile banking
  2. Accept an offer and earn rewards for any qualifying purchases
  3. Get cash back directly deposited into your checking account the following month

Start earning cash back today!

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Money Management

Manage All of Your Personal Finances, Right Inside Online Banking

This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:

  1. Create a budget that is easy to stick to
  2. Observe your spending behaviors and trends
  3. Gain valuable insight into where your money is going

With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!

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70,000 Surcharge-Free ATMs

Access the World's Largest ATM Network with the Allpoint and CO-OP networks

Mobile Banking App

It's Like Having a Full-Service Branch on Your Phone or Tablet!

Manage your accounts, move money around, pay bills, and more:

  • Access accounts and view transactions
  • Fingerprint login capabilities for iOS and Android users
  • Mobile check deposit
  • Find your closest branch or surcharge-free ATM
  • View balances without logging in via Quick Balance

 

Mobile Deposit

All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.

  1. Snap a picture of both sides of your signed check
  2. Choose the account for deposit
  3. Voila! Your check is deposited.

EMV Chip Technology

Protect Your Card Transactions from Fraud

All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.

  • Insert your card in the chip reader instead of swiping
  • You can still swipe your card when necessary
  • You can still use your card online or over the phone

Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.

Mastercard Debit Card

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Visa Credit Card

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VISA® Cards

Great Rate or Cash Back

Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.

But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.

2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.

Mastercard® Debit Card

Cash With No Fees at 70,000 ATMs

Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:

  • Double your manufacturer's warranty on purchases up to 12 Months*
  • Price protect purchases up to $250*
  • Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
  • Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*

Get a Texans Debit Card with your checking account today!

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* For full details and terms and conditions visit our Mastercard Debit benefits guide.

Courtesy Pay or Overdraft Protection

Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • $5 fee for each transaction
  • Uses designated savings account or line-of-credit to pay overdrafts

Learn more about Overdraft Protection here

Call Us

972.348.2000 (800.843.5295)

Courtesy Pay

A one-time opt-in can provide an emergency backup against overdraft.

  • $35 fee for each transaction
  • May cover transactions that exceed your available balance, up to $750 (including fees)

Learn more about Courtesy Pay here

Opt In

eStatements

Make the Switch to Mobile and Online Statements

Making the switch to eStatements is secure and easy. Here's how it works.

  • View and print statements right from your online or mobile banking
  • Up to 36 months of statements available for you anytime
  • Reduce waste while increasing your account security
Enroll in eStatements

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Guaranteed Asset Protection (GAP)

Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.

 

Major Mechanical Protection

Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.

Learn More

 

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