Safety, Security & Fraud

COVID-19 Update

Fighting Fraud

COVID-19 Update

As the situation with COVID-19 continues to evolve and change at a rapid pace, we continue our stance of protecting our employees, customers and communities.  With that and to assist in the social distancing recommendations of government officials, we are putting in place measures to minimize interactions in our banking offices. 

As we move forward towards our new normal, here's what we are working on as we begin to re-open our offices.  Click here for a listing of our banking office's locations and hours.

Here's How We are Making Banking Safe and Easy:

  • Protective Plexiglass Barriers 
    • Located at the teller line and new account desks
  • Dedicated Banking Hours from 9:00 am to 10:00 am
    • For our Higher Risk Customers
  • Customer Capacity Limits
    • Limit of 10 customers in each of our lobbies at one time 
  • Encouraged Social Distancing with Marked Areas
    • Red markings to denote 6-foot distancing
  • Hand Sanitizing Stations
    • Available for our customers
  • Diligent Cleaning and Disinfecting Daily

We are all in this together and together we can stay healthy and safe.  We will continue to post updates as necessary on our website, Facebook, Instagram and through customer emails. 

For the latest information regarding the coronavirus visit CDC Coronavirus What You Need to Know.

Here are Some Tips for Fighting Fraud

  • Notify the bank IMMEDIATELY if your card is lost, do not wait to call us.
    • Report Lost or Stolen Credit Card:
    • To Report Lost or Stolen Debit Card After Hours:
  • Notify us when you are traveling out of the area on vacation or work, and when you will be returning.
    • Contact us of the dates you will be traveling
      1-317-852-2268 or Contact Us
  • Always keep your credit or debit card in a safe and secure place
  • Securely dispose of old cards and the paperwork that come with new cards
  • Examine the front of ATMs, gas pumps and card machines for unusual attachments disguised as part of the machines

If anything looks out of place, do not use it. Please call the financial institution or let merchant employees know, so law enforcement can be contacted

Treat Unsolicited Offers with Suspicion

If you receive a request or offer via e-mail, pop-up message or by phone that requires you to provide or confirm personal information, call the business using a phone number other than the one given to confirm the legitimacy of the request or offer. If the inquiry seemingly originates from a known and trusted entity, use the number on the back of your card or on your monthly statement. Remember, if it seems too good to be true- it probably is.

Make Payment Electronically when Possible

Electronic payments reduce the amount of paper floating around with personal information on it, and using our online bill paying service can help.

Shop Carefully Online

If you initiate an online transaction and must provide personal data, look for indicators that the site is secure like ”https” in the Web address or the closed padlock icon in the bottom frame of your browser. Avoid sites without these indicators. It is also wise to conduct financial transactions only on wired Internet connections- wireless connections can be more vulnerable to attack.

Use Updated Anti-Virus Software, Anti-Spyware & a Firewall

Some phishing and pharming attacks contain software that can harm your computer or track your activities on the Internet without your knowledge.

Review Account Statements Regularly

Verify all transactions by matching receipts to checking, savings, and credit card account statements. Frequently reviewing activity online helps identify unauthorized activity between monthly statements. Download the HCBT CardValet app to sign up for alerts.

Review your Credit Report Every Year

You are entitled to one free credit report each year. You may also obtain a free report, log on to or call 1-877-322-8228.

Protect Your Purse or Wallet

One of the leading causes of identity theft is lost or stolen belongings containing personal information. Minimize the number of items you carry that contain personal information, such as your Social Security card.

Additional Steps

  • Shred all personal & financial documents before disposing of them
  • Destroy unused debit, ATM and credit cards
  • Remove mail promptly from your mailbox
  • Memorize PINs, Passwords & Social Security Numbers– do not carry them with you!
  • Use longer, more complex PINs and change them often
  • Sign all debit and credit cards immediately
  • Never use your PIN as a password

Never disclose your PIN or account password to any individual for any reason

Contact Your HCBT Banker with Any Questions

Click here for Contact Information


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