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Current Alerts

March 15, 2021

The IRS's "Dirty Dozen" represents the worst of the worst tax scams.

Fake Charities
Threatening Impersonator Phone Calls
Social Media Scams
EIP or Refund Theft
Senior Fraud
Scams targeting non-English speakers
Unscrupulous Return Preparers
Offer in Compromise Mills
Fake Payments with Repayment Demands
Payroll and HR Scams Ransomware


To read the IRS’s complete article and help protect yourself from these scams, visit the IRS website.


November 9, 2020

Don't Be the Victim of a Gift Card Scam! "No-Scam November" Initiative Launched by Vulnerable Adult Task Force

Click below to learn more about "No-Scam November", a gift card scam prevention initiative, brought to you by the law enforcement partners of Worcester County's Vulnerable Adult Task Force: 

"No-Scam November" Press Release

August 3, 2020

How Scammers Tell You To Pay

Scammers make up all kinds of stories to get your money, from telling you that you’ve won a prize, you owe a debt, or your family member is in an emergency. But some things stay the same: scammers want your money, they want it fast, and don’t want you to be able to get it back. They’ll ask you to pay in ways that make it hard to track them down — and once you know what these are, you’ll have one more clue to tell if you’re dealing with a scammer.

Click below to watch a video by the Federal Trade Commission that explains how scammers make people pay, and how you can use this information to avoid scams.

How Scammers Tell You To Pay Video

If you experience a scam, report it to the FTC .

April 28, 2020

New Funding for Coronavirus SBA Loans Attracts Scammers

If you’re a business owner, you may be planning to apply for a loan through the SBA’s Paycheck Protection Program (PPP) or Economic Injury Disaster Loans (EIDL) program. These programs recently got hundreds of billions of dollars in new funding. But, while you’re focused on getting a loan, scammers may be focused on you: hoping to trick you into giving them sensitive business information, like your bank account numbers, employees’ Social Security numbers, and even your money.

Here are some “dos” and “don’ts” from the Federal Trade Commission, to help you stay clear of scammers as you apply for a small business loan.

  • Don’t pay in advance for information. All the information from the SBA is free at

  • Don’t pay in advance for a government loan. You don’t have to pay up front to get an SBA loan.

  • Don’t give your information to someone who calls, emails, or texts you out of the blue. The SBA won’t call unsolicited to find out information about you or your business, or to ask you to apply for a loan. The SBA is not going to send you emails or text messages asking for sensitive information. If you get an email or text like this, delete it. It’s a scam.  

  • Don’t apply for a loan without verifying the lender. Only SBA-authorized lenders can provide PPP loans, and other loans may be available through SBA directly. To find an SBA-authorized lender in your area, use this SBA tool.

  • Don’t click on links or reply to emails or text messages from someone you don’t know. If you click on the links, you could download malware to your computer or device or be connected to a scammer or hacker.

 Warn your staff, too, to be alert for spoofed emails and bogus calls. And, if you or your employees spot a scam, please let us know at

March 6, 2020


Taylor Bank is continuing to monitor news and alerts concerning coronavirus (COVID-19). Please visit the Centers for Disease Control and Prevention (CDC) often to stay informed.

Here are some recommended tips from the CDC to help prevent all colds and viruses:

Avoid close contact. Avoid close contact with people who are sick. When you are sick, keep your distance from others to protect them from getting sick too.

Stay home when you are sick. If possible, stay home from work, school, and errands when you are sick. This will help prevent spreading your illness to others.

Cover your mouth and nose. Cover your mouth and nose with a tissue when coughing or sneezing. It may prevent those around you from getting sick.

Clean your hands. Washing your hands often will help protect you from germs. If soap and water are not available, use an alcohol-based hand rub.

Avoid touching your eyes, nose or mouth. Germs are often spread when a person touches something that is contaminated with germs and then touches his or her eyes, nose, or mouth.

Practice other good health habits. Clean and disinfect frequently touched surfaces at home, work or school, especially when someone is ill. Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat nutritious food.

Please visit the CDC often for a current risk assessment and other up to date information on coronavirus.

February 10, 2020

Avoid Becoming a Victim to Romance Scams

The FBI office in Richmond issued a press release last week outlining tips to avoid becoming a victim of a romance scam. Oftentimes victims hesitate to report these crimes due to embarrassment, fear or humiliation. Some points to consider are:‌

  • Never provide your financial information, loan money nor allow your bank accounts to be used for transfers of funds;
  • Do not allow attempts to isolate you from family and friends;
  • If you are traveling to a foreign country to meet someone, check the State Department’s Travel Advisories beforehand; and more.‌ Read the press release

January 03, 2020

Wawa Data Breach

Wawa announced in December that a data breach has compromised credit and debit card information, possibly at all of its convenient store and fuel-pump locations. If you used your card at any Wawa location between March 04, 2019 and December 12, 2019 you may be affected. 

What should you do?

Monitor your accounts.  As always, monitoring your accounts frequently can alert you quickly to fraudulent activity and stop future fraudulent transactions from happening.  Taylor Bank offers Online and Mobile banking and Bank-by Phone access to your accounts anywhere, anytime.

Report Fraudulent Activity. If you notice unauthorized transactions, report it immediately by calling or visiting any branch during business hours.  After hours, call 410-641-1700 or use our mobile app to suspend (freeze) or report your card lost or stolen. If a new card is needed, visit these locations for an immediate replacement with our Instant Issue service.

Update contact information.  Our Fraud Center utilizes sophisticated technology to flag your account when suspected fraud may be occurring. You can confirm the transaction is fraud or lift the flag by responding to phone calls or texts messages from our Fraud Center. *Remember the alerts will never ask you for personal information.

Visit Wawa’s Website. Wawa customers can go to the company website and sign up for a free year of identity theft protection and credit monitoring services through Experian. They can also request a free copy of their credit report. 

Read the full story including some additional recommended tips to safeguard your personal data at Consumer

January 1, 2020

Tax Season Scams

The IRS website has recently issued warnings to increase the awareness about recent scams targeting taxpayers.  As always, but especially during tax season, you should be on high alert when responding to phone calls, emails and text messages that claim to be from the IRS.  Being able to recognize the red flags associated with tax scams could save you from becoming a victim.

 IRS-Impersonation Telephone Scam

  • Callers claim to be IRS employees
  • Fake names and badge ID numbers are used
  • Callers may appear to know information about you
  • The caller ID feature is altered to make the call appear to originate from the IRS
  • Threats are used to create a sense of urgency

 It is important to know that the IRS will never:

  • Call to demand immediate payment using a specific payment method such as a prepaid debit card, gift card or wire transfer. Generally, the IRS will first mail you a bill if you owe any taxes.
  • Threaten to immediately bring in local police or other law-enforcement groups to have you arrested for not paying.
  • Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
  • Ask for credit or debit card numbers over the phone.

 Email Phishing Scams

  • Emails appear to be from the IRS or other related organizations such as the Taxpayer Advocacy Panel (TAP)
  • A link may be included to direct the user to a fake IRS website
  • Personal and/or financial information is requested
  • Variations of these email scams are also being sent via text messaging

Also, the IRS will never initiate contact with taxpayers by email, text messages or social media channels to request personal or financial information.

Please visit for a complete list of recent scams and what to do if you think you have been contacted by someone impersonating the IRS.

December 3, 2019

US Secret Service and CISA Advise Consumers and Businesses on Security for Holiday Online Shopping 

The U.S. Secret Service, in collaboration with the Cybersecurity and Infrastructure
Security Agency, developed a joint holiday online shopping advisory to provide
both consumers and businesses with tips for shopping securely online this
season. Read the advisory.

August 28, 2019

FDIC Warns Consumers of Fake Checks

The newest issue of the FDIC's Consumer News publication offers tips on how
consumers can protect themselves from fake check scams. Outlining some of the
more common scams, the FDIC identifies the telltale signs of a fraudulent check
and gives advice on what consumers should do if scammed. Read Consumer News.

May 30, 2019

ATM Skimmers

What is a skimmer? 

A skimmer is a device placed over or inside the card reader of an ATM or point-of sale-terminal. These devices illegally capture card information which is then used for fraudulent activity.  The stolen information can be used to make unauthorized withdrawals and/or purchases and even identity theft.  At Taylor Bank, ATMs are inspected regularly and monitored with advanced technology, however, it is always best practice to follow certain precautions when using any ATM or point-of sale-terminal:

Choose ATMs wisely.  Be aware of your surroundings, particularly at night.  Look for ATMs that are within bank perimeters, well lit, and/or on busy streets. If possible, try to always use the same ATM, since it will be easier to identify abnormalities.

Look for signs of tampering. Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.

Protect your PIN.  When using ATMs or PIN devices always guard your PIN by covering the keypad with your hand as you enter your PIN. Thieves often install camera devices to capture PINs in addition to card data from the card reader.

Check your account activity regularly. Utilize online banking to monitor transactions and detect unauthorized withdrawals or purchases. Report any fraudulent transactions to the bank immediately.

If you think you have encountered a skimming device at one of our branch locations during business hours please notify the branch immediately.  If it is after hours please contact the local police department.

October 30, 2018

Business Email Compromise (BEC)

What is Business Email Compromise (BEC)?

Cyber attackers continue to evolve an email phishing attack referred to as CEO Fraud or Business Email Compromise (BEC).  It typically involves the attacker impersonating a high-level executive (CEO or CFO) and targeting unsuspecting employees, customers or vendors.  The request may be to click on a link or attachment, transfer funds or send confidential information.

In another scenario, the attacker can hack the email account of an employee, customer or vendor and monitor the correspondence between you and the other party.  The criminal waits for just the right moment to make their move, in one case, intercepting an invoice from the vendor. The attacker may then send you another email, appearing to come from the vendor, instructing you to use different wiring instructions.  When you submit the payment the funds are sent directly to the attacker’s bank account.

How Can I Protect My Business?

The best way to avoid being exploited is to verify the authenticity of the email: 

  • Verify requests to send money, not only by speaking directly to the person to which you are sending the funds, but also verifying the account information verbally, especially if this information has changed. Never rely on e-mail alone.
  • Do not click on links or attachments without verifying their legitimacy and making sure it was actually sent by someone you know.

Please visit the Federal Trade Commision for more information on BEC and other cybersecurity recommendations for busineses.


 Past Alerts:

Shop Safely This Holiday Season

December 1, 2018

Shop Safely This Holiday Season

It's the season for fraud! Beware of these scams especially during the holiday season:

  • Be cautious before giving. Charity scams exist throughout the year, but peak during the holidays.  Many fake charities will pitch you through email or social networks. Always check out the legitimacy of a charity first before making a contribution.
  • Watch out for seasonal employment scams. If you're looking to make some extra cash during the holiday season be wary of offers that require money upfront, especially when accompanied with enticing phrases such as, "no experience necessary" and "work from home".
  • Use social media wisely. Consumers are being targeted with malicious links and posts. Think twice before clicking on messages and posts especially if it's from someone you don't know.
  • Fake retail apps can be used to steal information. Fraudsters are creating apps to resemble official shopping apps. Once downloaded on smart devices, malware is installed and personal information can be stolen or ransomware can lock a user's phone until they pay up. Always verify the legitimacy of an app before downloading it or go directly to the store's website to get the official download.
  • Do business with reputable vendors. Verify the legitimacy of the online merchant before supplying any information. Try to buy gift cards in-store to avoid bogus ones.
  • Make sure your information is being encrypted. Look for URLs that begin with "https:" instead of "http:" and ensure the padlock icon is in the appropriate location for your browser.
  • Be wary of emails requesting information. Legitimate businesses will not ask you to reconfirm your purchase or account information. If you receive an unsolicited email from a business, instead of clicking on the provided link, directly log on to the authentic website by typing the address yourself.
  • Secure your internet connection. If shopping online, make sure you do so from a password protected Wi-Fi network. Never access online banking from a public Wi-Fi network.
  • Monitor your account. Use online and mobile banking to keep an eye on your transactions. Notify the bank right away if there’s any fraudulent activity.
  • Beware of popular product scams. Sites may mention Apple product giveaways in phony contests and phishing emails as a way to grab computer users’ personal information. If you see an ad that says “free iPad,” it’s most likely fake.
  • Look out for SMiShing: “SMiSishing” is phishing via text message. Just like with email phishing, the scammer may try to lure you in to reveal personal information, especially under the guise of holiday specials.

Hurricane Season

June 4, 2018

Hurricane Season is Upon Us

The Atlantic hurricane season runs from June 1 to November 30, with the peak occurring between mid-August and late October. Taylor Bank encourages you to prepare for Hurricane Season by assessing your home’s risk, and developing an emergency plan to protect you and your family against a potential storm. Here are a few tips to get you started:

Know the details of your insurance policy: Talk with your agent to determine if you have adequate coverage or if you need to reassess your plan.  

Protect your financial documents: In the event of a disaster, you will need identification and financial documents to begin the recovery process. Safeguard important documents in a bank safety deposit box, computer storage devices (USB drive), and/or waterproof storage containers.

Assemble an emergency kit: The kit should include first aid supplies, a flashlight, batteries, at least three days of non-perishable food and water, necessary medications, cash and debit or credit cards.

Stay informed:  Review evacuation routes and monitor the storm's path. If you don't have electricity utilize Wireless Emergency Alerts through your mobile carrier or battery-powered radio or TV, if available.

For more information on what to do to prepare for a hurricane, please visit:

8 Tips for How Seniors Can Protect Themselves from Money Scams

April 30, 2018

Millions of older adults fall prey to financial scams every year. Use these tips from the National Council on Aging to protect yourself or an older adult you know.

1. Be aware that you are at risk from strangers—and from those closest to you

Over 90% of all reported elder abuse is committed by the older person’s own family members, most often their adult children, followed by grandchildren, nieces and nephews, and others. Common tactics include depleting a joint checking account, promising but not delivering care in exchange for money or property, outright theft, and other forms of abuse, including physical abuse, threats, intimidation, and neglect of basic care needs.

Everyone is at risk of financial abuse, even people without high incomes or assets. Understand the top 10 most common scams targeting seniors, so you can spot one before it’s too late.

2. Don’t isolate yourself—stay involved!

Isolation is a huge risk factor for elder abuse. Most family violence only occurs behind closed doors, and elder abuse is no exception. Some older people self-isolate by withdrawing from the larger community. Others are isolated because they lose the ability to drive, see, or walk about on their own. Some seniors fear being victimized by purse snatchings and muggings if they venture out. Visit the Eldercare Locator to find services nearby that can help you stay active. Or contact your local senior center to get involved.

3. Always tell solicitors: “I never buy from (or give to) anyone who calls or visits me unannounced. Send me something in writing.”

Don’t buy from an unfamiliar company and always ask for and wait until you receive written material about any offer or charity. Neighborhood children you know who are selling Girl Scout cookies or school fundraising items may be an exception, but a good rule of thumb is to never donate if it requires you to write your credit card information on any forms.

It’s also good practice to obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. And always take your time in making a decision.

4. Shred all receipts with your credit card number

Identity theft is a huge business. To protect yourself, invest in—and use—a paper shredder. Monitor your bank and credit card statements and never give out personal information over the phone to someone who initiates the contact with you.

5. Sign up for the “Do Not Call” list and take yourself off multiple mailing lists

Visit Do Not Call to stop telemarketers from contacting you.

Be careful with your mail. Do not let incoming mail sit in your mailbox for a long time. When sending out sensitive mail, consider dropping it off at a secure collection box or directly at the post office. You also can regularly monitor your credit ratings and check on any unusual or incorrect information at

To get more tips on protecting yourself from fraud, visit On Guard Online, which has interactive games to help you be a smarter consumer on issues related to spyware, lottery scams, and other swindles.

6. Use direct deposit for benefit checks to prevent checks from being stolen from the mailbox

Using direct deposit ensures that checks go right into your accounts and are protected. Clever scammers or even scrupulous loved ones have been known to steal benefits checks right out of mailboxes or from seniors’ homes if they are laying around.

7. Never give your credit card, banking, Social Security, Medicare, or other personal information over the phone unless you initiated the call

Misuse of Medicare dollars is one of the largest scams involving seniors. Common schemes include billing for services never delivered and selling unneeded devices or services to beneficiaries. Protect your Medicare number as you do your credit card, banking, and Social Security numbers and do not allow anyone else to use it. Be wary of salespeople trying to sell you something they claim will be paid for by Medicare.

Review your Medicare statements to be sure you have in fact received the services billed, and report suspicious activities to 1-800-MEDICARE.

8. Be skeptical of all unsolicited offers and thoroughly do your research

Be an informed consumer. Take the time to call and shop around before making a purchase. Take a friend with you who may offer some perspective to help you make difficult decisions.

Also, carefully read all contracts and purchasing agreements before signing and make certain that all of your requirements have been put in writing. Understand all contract cancellation and refund terms. As a general rule governing all of your interactions as a consumer, do not allow yourself to be pressured into making purchases, signing contracts, or committing funds. These decisions are yours and yours alone.

IRS Warning

December 13, 2017

IRS Warning

The Internal Revenue Service today warned taxpayers and tax professionals of a new email scam targeting Hotmail users that is being used to steal personal and financial information.

The phishing email subject line reads: “Internal Revenue Service Email No. XXXX | We’re processing your request soon | TXXXXXX-XXXXXXXX”. The email leads taxpayers to sign in to a fake Microsoft page and then asks for personal and financial information.

The IRS has received over 900 complaints about this new phishing scheme that seems to exclusively target Hotmail users. The suspect websites associated with this scam have been shut down, but taxpayers should be on the lookout for similar schemes. To read the full message please visit the IRS website link:

Additionally, remember the IRS will never:

  • Call to demand immediate payment over the phone, nor will the agency call about taxes owed without first having mailed you several bills.
  • Call or email you to verify your identity by asking for personal and financial information.
  • Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
  • Require you to use a specific payment method for your taxes, such as a prepaid debit card.
  • Ask for credit or debit card numbers over the phone or email.
  • Threaten to immediately bring in local police or other law-enforcement groups to have you arrested for not paying.

Equifax breach

September 19, 2017

Equifax breach

Earlier this month, Equifax credit bureau announced that the records of approximately 143 million Americans were breached between May & July of this year.  

  • Those records contained names, birth dates, addresses, Social Security numbers and some driver’s license numbers. At this time, it appears hackers did not gain access to full credit reports.
  • In addition to the personal information accessed, 209,000 credit card numbers were obtained.
  • Equifax has indicated that debit cards were not exposed – therefore criminals are unlikely to have the ability to withdraw funds from a checking account.
  • The biggest risk posed by this breach is the threat of identity theft.

We encourage you to visit Equifax’s website to determine whether your information was compromised and consider enrolling in its free credit monitoring program, TrustedID Premier.

Monitoring your accounts and credit report for unauthorized transactions is critical.

  • We strongly encourage monitoring your accounts with Online Banking.
  • We employ numerous safeguards to protect your information, such as employee training, strict privacy policies, rigorous security standards and encryption systems.
  • In addition to using Equifax’s TrustedID Premier, consumers can check their credit reports from Equifax, Experian and TransUnion for free by visiting Unfamiliar accounts or activity could indicate identity theft. 
  • If you suspect you are a victim of fraud, you should alert your bank right away.

Additionally, criminals often take advantage of breaches and craft sophisticated attacks related to the current event.  Be careful of the following:

  • Phishing e-mails that encourage you to provide personal information.  Be especially wary of emails with links and instead visit sites by searching for the official site in your browser's search engine. 
  • Unsolicited phone calls that request personal information.
  • Fake websites that claim to assist those affected by the current compromise. 

Phone Scams

August 17, 2017

Phone Scams

By now you may be familiar with the terms "phishing" and "smishing".  "Vishing" attacks are yet another popular way fraudsters can get personal information.  With vishing, thieves rely on voice over phone to trick you into providing your personal information, which may be used to gain access to your personal accounts, or open new accounts.  Below are some examples of possible vishing scams:

  • You may get an email or a pop-up that indicates there is a problem with your account or computer and instructs you to call a phone number.

  • You may receive a pre-recorded phone call which takes you through a series of prompts asking for sensitive information.

  • A live person may call you to alert you that your account has been compromised, or that they have information regarding your account, but must verify your information first.  Thieves can even "spoof" or disguise phone numbers to make them appear to be coming from your bank or credit card company.

How can you thwart a vishing attack? Consider these tips:

  • When calling Taylor Bank or other companies, use published phone numbers from statements or websites. Don't use numbers found in unsolicited emails or on websites that were sent as a link in an unsolicited email.

  • Do not provide personal information to anyone over the phone unless you are the one who solicited the call.

  • When in doubt, hang up the phone and contact the company for whom the thief is "pretending" to represent. If the call is found to be a scam, you will be protected and you will have alerted the company about the scam as well.

Smishing Attacks are on the Rise

July 12, 2017

Smishing Attacks are on the Rise

You may already be aware of “phishing” emails which appear to come from legitimate sources, but are actually designed to trick you into clicking on something harmful.  Cell phones are also susceptible to “smishing” named for the text messaging system (SMS) by which they are sent.  Similar to phishing, messages are sent that appear to be from a legitimate source, but contain malicious links.  Examples may include a text alerting you that you’ve won something, your personal information needs to be updated, or there’s a problem with your bank account. Some text messages may just ask you to call a number to verify certain information.

Please be reminded that Taylor Bank may send you alerts letting you know about suspicious activity on your account.  However, these texts never ask for personal information or contain links to click on.

For more information and how you can protect yourself against smishing and other scams please visit the Federal Trade Commission website.

For more information about mobile banking security, please visit our Mobile Banking Security Tips page.

Global Ransomware Attack

May 15, 2017

Global Ransomware Attack

More than 150 countries and major organizations were impacted recently by a ransomware attack in which data on targeted machines were encrypted preventing the owner from accessing until, supposedly, payment was received.  It is very likely that varients of this attack will continue to be a threat. For more information on how to protect yourself or your business against malware and ransomware attacks, please review these tips from the American Bankers Association (ABA).


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Email Disclaimer

Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, Taylor Bank suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, please contact Taylor Bank directly at your nearest bank branch.