Financial Wellness

Call Great Southern Bank at 800-749-7113 as soon as possible. You'll reach a real person who can review the situation and guide you through what comes next. Be ready to share what happened, what information may have been shared and whether money left your account. Acting quickly may reduce further activity.

 

Visit USA.gov’s Scams and Fraud page to find the appropriate government agency for your situation or the Federal Trade Commission for additional reporting options and consumer resources.

Identity theft is stressful, but there are clear steps you can take. We will guide you through what comes next.

 

Step 1: Contact Great Southern Bank
If your Great Southern account or debit card may be involved, call us right away at 800-749-7113. Review your accounts, report unfamiliar activity and change any compromised passwords or PINs. Update reused passwords on other accounts, too.

Step 2: Review and protect your credit
Review your credit reports from Equifax, Experian and TransUnion at AnnualCreditReport.com. Look for accounts, inquiries or activity you don’t recognize.

 

• Place a free fraud alert by contacting Equifax, Experian or TransUnion. The bureau you contact will notify the other two.
• Place a free credit freeze by contacting all three bureaus separately.

Step 3: Report the identity theft

Visit IdentityTheft.gov or call 877-438-4338 to report the theft and receive a personalized recovery plan. Depending on your situation, you may also need to file a police report. Keep copies of reports, messages, statements and other supporting documents.

Visit our Identity Theft blog or The Consumer Financial Protection Bureau’s Fraud and Scams Center for additional steps on responding to scams and understanding your consumer rights.

Review the transaction details and check with anyone authorized to use your account. If you still don't recognize it, call us right away at 800-749-7113. Our team can walk through it with you.

If your debit card is missing or may have been compromised, call 800-749-7113. Lost or stolen debit cards can be reported 24/7.

If something feels off, trust that instinct. Do not respond, click a link, open an attachment or share information. End the conversation and contact Great Southern Bank directly at 800-749-7113. Caller ID, phone numbers, logos and email addresses can be manipulated to make a message appear legitimate. Learn more about impersonation scams.

Scammers can make messages look legitimate but knowing what Great Southern will and will not ask for can make a fake easier to spot. Great Southern may contact you by text, email or phone through Fraud Watch when suspicious debit card activity is detected. However, we will never initiate contact and ask for your full account number, Online Banking password or one-time verification code. If you are uncertain, end the conversation and contact us directly at 800-749-7113 to verify the message. Learn more about impersonation scams.

Use strong, unique passwords, keep your contact information current and never share passwords, PINs or verification codes. Set up account and transaction alerts, monitor your accounts regularly and keep your devices and security software updated. 

If a request for money or information feels unusual or urgent, pause and verify it through a trusted source. Explore Great Southern’s online security resources.

• Fraud Watch: Automatically included with every Great Southern Debit Card, Fraud Watch monitors transactions for signs of fraud. If suspicious activity is detected, you may receive an alert by text, email or phone to confirm whether the transaction is yours.
• Positive Pay: Available for business accounts, Positive Pay compares checks and ACH transactions with information provided by your business. Unmatched transactions are flagged for review before a pay-or-return decision is made.
• Loss Prevention: Our internal Loss Prevention team reviews suspicious activity, investigates reported fraud and guides customers through the next steps when an account may be compromised.

You also play an important role. Monitor your accounts, set up transaction alerts and call us right away at 800-749-7113 if something does not look right.

If fraud affects you, you will not face it alone. Our team is here to guide you through the next steps.