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Dream First Bank Security

Fraud & Security Center

Scammers are getting smarter, and they are calling, texting, and emailing our communities pretending to be your bank. Learn how to spot the scams we are seeing right now, and what Dream First Bank will never ask you to do.

See Current Scams Report Fraud: (888) 773-3184

Know It's Really Us

Four things Dream First Bank will never do

If someone claiming to be Dream First Bank does any of these, it is not us. It is a scammer, no matter how convincing the call, text, or email looks.

Ask for your password or one-time code

We will never call, text, or email asking for your online banking password or a one-time verification code. Those codes are for your eyes only, even from someone who says they work here.

Ask you to move your money

We will never ask you to transfer money using Cash App, Zelle, gift cards, cryptocurrency, or another person's account, not even to "protect" it. Your money is safest right where it is.

Demand personal information on a call we made

Never share personal or online banking information on a call you did not initiate. If we call you, we will never demand card numbers, your Social Security number, or account credentials.

Pressure you to act right now

Urgency is a scammer's favorite tool. We will never threaten to close your account, demand secrecy, or push you to make a decision on the spot.

When in doubt, hang up. Then call us directly using the number on the back of your debit card, on our website, or on a recent statement: (888) 773-3184

Stay a Step Ahead

Scams we're seeing right now

These are the schemes currently targeting customers and neighbors across our Kansas and Oklahoma communities. Knowing how they work is the best way to stop them.

Most Reported

Bank impersonation calls & texts

A caller or text claims to be Dream First Bank's "fraud department" and says your account is at risk. Caller ID may even show our name or number. They ask you to verify a code, share credentials, or move money to a "safe" account.

What to do: Hang up. Call us yourself at the number on your card or statement. Never share a code that was texted to you.

One-time code & login scams

Scammers trigger a real verification code to your phone, then call pretending to be the bank and ask you to "read it back to confirm your identity." That code is the key to your account, and reading it back hands it to them.

What to do: Never share a one-time code with anyone, by phone, text, or email. We will never ask for it.

Check fraud & mail theft

Checks stolen from mailboxes are "washed" and rewritten for larger amounts. Rural routes and outgoing mail flags make easy targets.

What to do: Drop mail at the post office, use online bill pay when you can, write checks with gel pens, and review your account activity regularly.

Marketplace, equipment & livestock scams

Too-good-to-be-true deals on trucks, farm equipment, hay, or livestock, often listed online by a "seller" who needs a deposit wired before you can see the item. The item never existed.

What to do: Inspect before you pay, be wary of wire-only or gift card payment, and verify the seller through someone you trust.

Investment & crypto scams

A friendly stranger, online romance, or "financial mentor" builds trust over weeks, then guides you into a cryptocurrency or investment platform that shows fake gains. Withdrawals are blocked once you're in deep.

What to do: Be skeptical of guaranteed returns, and never invest through someone you have only met online.

Family emergency & grandparent scams

A caller sounds exactly like your grandchild or family member in trouble and needs bail or hospital money fast, and begs you to keep it secret. AI voice cloning makes these calls frighteningly real.

What to do: Hang up and call your family member directly. Agree on a family code word ahead of time.

Everyday Habits

Simple ways to protect yourself

A few minutes of prevention now can save months of cleanup later. Start with these habits.

  • Use strong, unique passwords. A long passphrase you can remember beats a short password you reuse. Never use the same password for banking and email.
  • Turn on account alerts. Set up balance, transaction, and login alerts in online banking so you know about unusual activity the moment it happens.
  • Check your accounts often. A quick weekly look at your activity catches problems early. Report anything you don't recognize right away.
  • Slow down before you click. Don't open links or attachments you didn't ask for, even if the message looks like it came from us, a shipper, or the government.
  • Go paperless where you can. E-statements and online bill pay keep sensitive documents out of mailboxes, a favorite target for thieves.
  • Freeze your credit. It's free, it takes minutes at each of the three bureaus, and it stops identity thieves from opening accounts in your name.

For Business & Ag Customers

Protecting your business or farm

Fraudsters target businesses and ag operations with fake invoices, hijacked email threads, and payment change requests that look like they came from a real vendor or employee.

  • Verify every payment change by phone. If a vendor, landlord, or employee emails new bank details, call them at a number you already know before sending a dime.
  • Watch for hijacked email threads. Business email compromise often continues a real conversation from a look-alike address. Check the sender's address character by character.
  • Use dual approval for payments. Requiring two sets of eyes on wires, ACH batches, and large transfers stops most fraud before the money leaves.
  • Reconcile accounts daily. The sooner unauthorized activity is reported, the better the odds of stopping or recovering it.
  • Train the whole team. Anyone who touches payments, payroll, or grain checks should know these red flags. One rushed click can cost a season's profit.
  • Ask about our free Fraud Squad review. Our team will walk through six risk areas of your operation with you, from payroll to IT, at no cost. Learn more about the Fraud Squad.

Act Fast

Think you've been targeted?

Don't be embarrassed, be quick. These scams fool smart people every day, and fast reporting is the single best way to limit the damage.

  1. Contact us immediately. Call or visit any branch so we can watch your accounts, block cards, and act fast.
  2. Change your passwords. Update your online banking password first, then your email password, from a device you trust.
  3. Report it. File a report with local law enforcement and the FTC. If money moved, timing matters, so don't wait.
  4. Keep the evidence. Save texts, emails, phone numbers, and receipts. They help investigators and your recovery.

Call us

Suspicious activity, questions, or to report a scam

(888) 773-3184

Lost or stolen debit card

Available 24 hours a day, 7 days a week

1-866-960-2261

Stop by

Talk with a banker you know at any of our locations

Find a Location

We'd rather help you check a suspicious call than see you lose a dollar.

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