Faith, Finances, and Fraud Protection

How to Be a Wise Steward This Summer

We believe every dollar has a purpose—and it's our job to help you protect what’s been entrusted to you. Whether you're heading into summer vacation mode or just trying to stay one step ahead of online threats, it's the perfect time to sharpen your financial security habits.

Here are 5 simple ways to keep your money and information safe this season—without losing your peace of mind.

1. Don’t Trust Every Text or Email

Scammers love pretending to be your bank, your utility provider, or even a ministry asking for donations. If you get a message asking you to click a link, log in, or “confirm” your information—pause.

What to do: Go directly to the official website or contact the organization through a known, trusted number. Never click on a link you weren’t expecting.

Remember: 316 will never call or text you asking you to provide details regarding your personal info or account, unless you prompt the call.

2. Use Alerts to Catch Trouble Early

Real-time text and app alerts are one of the easiest ways to spot fraud before it escalates. If someone makes a purchase or withdrawal, you’ll know instantly—and can take action.

What to do: Turn on transaction alerts in your 316 mobile app for every debit card purchase or login attempt.

3. Keep Your Access Personal and Protected

We trust the people closest to us—but financial security starts with personal responsibility. Even with good intentions, sharing your login can lead to accidental mix-ups or create openings for fraud.

What to do: Think of your account access like your house key: it’s best kept in your hands. If someone else needs access, let’s talk about safer ways to share information or set up the right account for their needs.

4. Avoid Public Wi-Fi for Financial Transactions

Airports, coffee shops, and hotel Wi-Fi networks are convenient—but not always secure. Logging into your bank or uploading sensitive documents over public Wi-Fi opens the door for hackers.

What to do: Use your phone’s data connection for banking tasks or wait until you're on a secure, private network.

5. Practice Purposeful Generosity, Safely

Giving to causes that matter is at the heart of what we do—but even generosity can be hijacked by fraudsters. Fake charities or spoofed donation sites are on the rise.

What to do: Always vet organizations before donating. If something feels off, it probably is. And when in doubt, reach out—we’re happy to help verify.

Your Financial Safety Is Part of Your Stewardship

Being a wise steward isn’t just about how you give—it’s also about how you guard what’s been entrusted to you. With a few simple habits and the right tools, you can move through summer with confidence, clarity, and care. Need help setting up alerts or reviewing your account? Call us any time.