Stay Informed. Stay Protected.

Scams, scams…go away! Unfortunately, it’s not that simple. Spam, shams, and other scams are on the rise. Fraudsters use clever schemes to defraud millions of people for billions of dollars every year.

Learn More

Scammers are constantly finding new ways to target individuals and businesses. From phone calls and text messages to emails and fake websites, fraudsters use convincing stories and urgent requests to gain access to your money and personal information.

At MembersOwn, we’re committed to helping you recognize the warning signs of fraud and make informed decisions that help protect your financial well-being.

MembersOwn Will Never Ask For This

We will never call, text, or email and ask for your:

Social Security number
Digital Banking username or password
Verification (MFA) codes sent to your phone or email
Debit card PIN
Full debit card number or card security code

If someone contacts you requesting this information and claims to be from MembersOwn, hang up and contact us directly.

How to Protect Yourself

Fraud can happen to anyone. That’s why education and awareness are some of the best defenses against scams and identity theft.

Fraudsters are constantly evolving their tactics. They often pressure people to make important decisions on the spot, using convincing stories, impersonation, and new twists on familiar scams. Their multi-channel approach can include phone calls, text messages, emails, social media, online banking, and mobile apps.

Their goal is to earn your trust and convince you to willingly share sensitive information or authorize transactions such as wire transfers, ACH payments, debit card purchases, or other account activity.

Protecting yourself starts with knowing what to watch for.

If you believe you have fallen victim to identity theft or other financial scams:

Contact the Nebraska Attorney General if you believe you have been a victim of a scam, identity theft, or other suspicious financial transaction. The Attorney General’s website can be found here.
Contact the Federal Trade Commission (FTC) if you believe you have been a victim of a scam, identity theft, or other suspicious financial transactions. The FTC website can be found here.

Trust Your Instincts
If something feels off, fishy, or too good to be true, it probably is.
Never Feel Pressured
Scammers often create urgency and demand immediate action. Take time to verify information before responding.
Monitor Your Accounts
Regularly review your account activity, statements, and financial documents.
Review Your Credit
Check your credit report regularly for inaccuracies or accounts you don’t recognize. You can also freeze your credit to prevent access.
Protect Personal Information
Avoid carrying sensitive documents, such as your Social Security card, unless absolutely necessary.
Be Careful with Money Transfers
Wire transfers and gift card payments are common tools used by scammers. Once money is sent, it can be difficult or impossible to recover.
Destroy Sensitive Documents
Shred documents containing personal information before disposing of them.
Speak Up
If something doesn’t seem right, contact us. We’re here to help.

Common Types of Fraud

Identity Theft

Identity theft occurs when someone uses your personal information without your permission to impersonate you and commit fraud. Warning signs can include unfamiliar charges or withdrawals, bills for accounts you didn’t open, unexpected debt collection notices, missing financial statements, inaccurate information on your credit report, or being denied credit unexpectedly.

Impostor Scams

Scammers often pose as trusted organizations or people, including financial institutions, government agencies, technology companies, or even family members. They may claim there’s an urgent problem with your account, that you’ve won a prize, or that immediate action is required. Their goal is to pressure you into sharing personal information or sending money before you have time to verify the request.

Check Scams

Check scams typically involve receiving a check or deposit and being instructed to send back part of the money or use the funds for another purpose. Even if the money initially appears in your account, the check may later be returned as fraudulent, leaving you responsible for the full amount. If an unexpected payment comes with instructions to send money elsewhere, it’s likely a scam.

Lottery and Prize Scams

If you’re told you’ve won a lottery, sweepstakes, or prize but are asked to pay taxes, fees, or processing costs before claiming it, it’s almost certainly a scam. Legitimate prizes do not require upfront payment, and scammers often create a false sense of urgency to prevent you from questioning the offer.

Phishing, Smishing, and Website Spoofing

Fraudsters use fake emails, text messages, phone calls, and lookalike websites to trick people into revealing usernames, passwords, account information, or one-time security codes. Always verify website addresses before entering sensitive information, keep your devices updated, avoid clicking suspicious links, and never share your online banking credentials or verification codes with anyone.

What Should I Do If Something Doesn’t Feel Right?

Stop
Don’t provide information or send money.
Verify
Contact the company or organization directly using a trusted phone number or website.
Reach Out
Contact MembersOwn if you’re unsure about a transaction, message, check, or phone call.

I Think I’ve Been Scammed. What Should I Do?

Contact MembersOwn Immediately

The sooner you notify us, the sooner we can help you review your accounts and discuss next steps.

Change Passwords

Update passwords and security credentials for impacted accounts.

Monitor Your Accounts

Review transactions and continue monitoring for suspicious activity.

Report the Fraud

If you believe you’ve been the victim of a scam, identity theft, or other suspicious financial activity, report it to the Nebraska Attorney General and the Federal Trade Commission (FTC).

Contact Law Enforcement

If you believe you’ve been victimized, contact law enforcement immediately.

Will MembersOwn ever ask for my password or security code?

No. We will never ask for your passwords, login credentials, or security codes.

How can I protect myself from scams?

Be cautious of unexpected requests, avoid acting under pressure, monitor your accounts regularly, and never share personal information with unverified sources.

What should I do if I receive a suspicious call or message?

Do not provide information. End the communication and contact MembersOwn directly.

What are common signs of a scam?

Urgency, requests for secrecy, demands for gift cards or wire transfers, unexpected prizes, and requests for personal information are all common warning signs.

What if I’m unsure whether something is legitimate?

Talk to a Real Person
in Your Community

MembersOwn is here to talk things through, answer questions, and help you decide what makes sense for your life—with friendly guidance from people who live and work right here in Nebraska.

Lincoln Branch
1391 South 33rd Street
Lincoln, NE 68510
402.436.5365 (Text Friendly)

Beatrice Branch|
2600 Eastside Boulevard
Beatrice, NE 68310
402.223.4204

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