Banking Like It Oughta Be: How Texas Republic Bank’s Deposit Services Team Helps Protect Customers
Through Personal Service
At Texas Republic Bank, banking is about more than processing transactions. It’s about personal service, solving problems and being there for our customers when they need us most.
That commitment is at the heart of our Deposit Services team. As a community bank, we take a hands-on approach to each situation, working closely with our bankers and customers to find solutions and provide support.
Personal Service That Makes a Difference
Our Deposit Services team works behind the scenes every day to help customers, but sometimes that support goes above and beyond.
One example involved a large check disputed because of an endorsement issue. Resolving the claim required nearly eight months of communication and follow-up with another financial institution. Rather than letting the issue stall, our team continued researching, following up and advocating for the customer until the funds were ultimately recovered.
To us, that’s “banking like it oughta be”—staying committed to our customers even when the solution isn’t immediate or entirely within our control.
Helping Protect Customers From Check Fraud
Fraud prevention is another important part of our Deposit Services team’s work. Texas Republic Bank uses innovative products that provide an additional layer of protection against check fraud.
Checks deposited are analyzed in real time for potential suspicious activity. They are also reviewed the following business day by our Deposit Services team. This combination of real-time screening and secondary review gives us multiple opportunities to identify potentially fraudulent checks and take a proactive approach to protecting our customers.
Common Banking Scams to Watch For
Customers today may encounter check fraud, altered or counterfeit checks, account takeover attempts, phishing emails and texts, and scams designed to convince them to send money to someone they believe is legitimate. Fraudsters may also impersonate banks or other trusted organizations to obtain passwords, debit card information, verification codes or other personal information.
Some common red flags include:
- Unexpected requests for personal or banking information
- Pressure to act immediately
- Requests for passwords or verification codes
- Instructions to send money to “protect” an account
- Unexpected links in emails or text messages
- Checks from unknown individuals with instructions to deposit them and send money elsewhere
Regularly reviewing your accounts and reporting unfamiliar transactions as soon as possible can also help protect you from fraud.
What to Do If You Receive a Suspicious Message
If you receive a call, text or email claiming to be from your bank and something doesn’t seem right, don’t click links or provide personal information, passwords or verification codes.
Instead, end the communication and contact your bank directly using a trusted phone number or another verified method. Even if the caller ID or message appears legitimate, it’s always best to verify before taking action.
At Texas Republic Bank, protecting our customers means more than having fraud prevention tools in place. It means having a team that pays attention, follows through and takes the time to help. That’s banking like it oughta be.
Frequently Asked Questions
What is Check Fraud Protection?
Texas Republic Bank uses a fraud prevention tool that provides an additional layer of protection against check fraud through real-time analysis and secondary review.
What are the most common banking scams?
Common scams include check fraud, counterfeit checks, account takeover attempts, phishing emails and texts, and scams involving fraudulent requests to send money.
How can I recognize a banking scam?
Be cautious of unexpected requests for personal or banking information, urgent demands, requests for passwords or verification codes, and instructions to send money to protect your account.
What should I do if I receive a suspicious message from my bank?
Do not click links or provide personal information. End the communication and contact your bank directly using a trusted phone number or verified method.
What should I do if I see an unfamiliar transaction?
Review your account regularly and report any transactions you do not recognize as soon as possible.
