A woman looking at laptop screen with a digital padlock icon on it

Fraud Protection

Block the bad guys.

Keep Criminals Far From Your Finances

Stellar is committed to protecting your identity, information and accounts, as well as arming you with best practices to help prevent fraud.

Fraud Is On The Rise

Texas Banks have seen an increase in scams where customers have received calls or text messages informing them that their accounts or cards have been compromised and directing the customer to provide sensitive account information or to call either a toll free or local number. They even go so far as spoofing the number to appear that it is a legitimate call from the bank. 

Stellar Bank never requests personal banking information such as personal identification numbers (PINs), passwords, passcodes, account numbers or other sensitive information by electronic means. If you receive any requests for personal information from a phone call, email or text message, do not respond. Call Stellar Bank directly. 

A pair of hands holding a Stellar business debit card and entering information on a phone

Image of misleading UCC Statements

Scam Alert

Businesses are being targeted with misleading communications from “Texas UCC Statement Services” requesting companies to confirm their data and pay a fee. Be cautious of mailings that appear to come from government agencies requesting payment.

Learn More from The Office of the Attorney General

Tips and Best Practices To Keep You and Your Money Safe

Protect Your Identity

Stellar Bank has procedures for protecting and monitoring our clients' accounts and personal information. The following are a few tips you can use to reduce the risk of identity theft:

  • Protect Your Social Security Number - Don't carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only when necessary;
  • Shred Documents - Shred financial documents and personal information before discarding;
  • Review Your Credit Report - Federal law requires the major nationwide credit reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report every 12 months upon your request. Visit www.AnnualCreditReport.com to request your free copy;
  • Never Click on Links in Unsolicited E-Mails - E-mails requesting account information and passwords should be deleted. These may be phishing scams;
  • Protect Your Passwords - Use passwords that are hard to guess and memorize them. Avoid using predictable codes such as your birth date, mother's maiden name, or Social Security number. Do not share your passwords with anyone;
  • Monitor Financial Statements - Carefully monitor bank and credit card accounts regularly for unauthorized charges by checking account information. Immediately report any suspicious activity to your financial institution; and
  • Keep Personal Information Secure - Personal information not secured can be at risk:
    • Do not give out personal information on the phone, through the mail, or over the internet unless you initiated the contact and know who you are dealing with;
    • Avoid using public wireless connections;
    • Safely store and dispose of personal information; and
    • Don’t overshare on social networking sites.
A plane moving out onto a runway

Traveling? Let Us Know So We Can Help You Avoid Hassles.

Before you travel, contact us to have a travel notice placed on your debit and credit card, so you can use them as normal on your trip without having transactions declined. Stop by a banking center or call 713.499.1800.

Stay Updated On Important News

Sign up for our newsletter to see latest news and insights from our business banking experts, from financial literacy to fraud trends.

* By submitting the form, you agree to the Stellar Bank Privacy Policy and consent to receiving emails from Stellar Bank.

Banks Never Ask That

For tips on how to keep phishing criminals at bay, including videos, an interactive quiz and more, visit the Banks Never Ask That website. The more scam savvy we are, the harder it is for phishing criminals to catch their next victim!

Find additional online safety resources at stopthinkconnect.org

Insights

Fraud Prevention, Business Banking, Personal Banking Article

5 Types of Scams and Fraud to Watch Out For

A man typing in credit card info on a keyboard

Industry Insights, Security/Fraud Protection

Fraud Prevention,Online Banking Article

Banking and Online Security

A woman about to put credit card information into her tablet

Industry Insights, Security/Fraud Protection

Fraud Prevention, Business Banking, Personal Banking Article

Protect Your Business and Personal Finances from Phishing

A fishing hook piercing a stack of credit cards

Industry Insights,Security/Fraud Protection,Small Business

Frequently Asked Questions

What is phishing?

Phishing refers to attempts to steal personal financial information, such as credit card numbers, account usernames/passwords, and social security numbers, through fraudulent e-mails, phone calls (vishing), text messages (smishing) and websites that will be used for fraudulent purposes.

How does phishing work?

Fraudsters initiate an e-mail, call, or text message that appears to originate from a financial institution or other well-known or reputable entity.

The fraudulent message usually provides a link and an urgent message that directs the user to visit a website that looks authentic or provides a number to call where they must verify or update personal information, such as passwords, credit card, social security number and bank account numbers which the legitimate organization already has.

The website, however, is bogus and set up only to steal the user's information.

What is identity theft?

Identity theft is the deliberate use of someone else’s identity and occurs when someone uses your personal information, such as your name, Social Security number, or bank account number without your permission to commit fraud or other crimes. Examples include the use of your name and personal information to open new credit card accounts, establish new bank accounts, forge checks, and even apply for loans.

Some clues that could indicate your identity may have been stolen include failing to receive bills or other expected mail, receiving credit cards for which you did not apply, denial of credit for reasons that are not apparent, or receiving calls from debt collectors or companies about merchandise or services you did not purchase. While you can't entirely control whether you will become a victim, there are steps you can take to minimize your risk.

Explore Other Resources

A graphic icon of a lightbulb

Insights

Stay current with the latest thinking, news and trends.

Learn More

A graphic icon of a graduation cap

Financial Education

Learn how to use banking and financing to your advantage.

Learn More

A graphic icon of a document

Industry Resources

Access insights from leading organizations and government.

Learn More

Think You've Been Scammed?

No matter how careful you are, scammers sometimes succeed. If it happens to you, contact us immediately. We’re always here to help.

Customer service: 713.499.1800
Debit card fraud disputes: 866.542.6668

Report Fraud 

Alternative logo

You Are Now Leaving Stellar Bank

Stellar Bank's website terms, privacy and security policies don't apply to this site you're about to visit. Please review it's website terms, privacy and security policies to see how they apply to you. Stellar Bank isn't responsible for (and doesn't provide) any products, services or content at this third-party site, except for products and services that explicitly carry the Stellar Bank name.

Please click Continue to proceed or Cancel to return.