BankTennessee will never ask you by email, text message or phone for any personal information such as your Social Security number, personal identification numbers, credit card numbers, or online banking password. We do not use any of these methods to confirm, verify, activate or authenticate your personal information.

At BankTennessee, we take your financial security seriously. While we have tested, proven security measures in place, we also encourage you to protect your personal financial information.

When we hear of a new scam, we will share it here. Watch out for these scams.

Report Fraud

If you are suspicious about an email, phone call, text message or any other form of communication appearing to be from BankTennessee, contact us immediately at 901-854-0854 or your local BankTennessee office to confirm its legitimacy. Also, please forward it to for our security specialist to investigate.

If you feel you are the victim of identity theft or to report a lost or stolen ATM/Debit Card :
  • Regular business hours: Call your local BankTennessee office or our main office at 901-854-0854.
  • After hours & holidays: Call toll-free 800-500-1044.
  • Not a BankTennessee customer? Please contact your financial institution if you feel your personal information has been compromised.

Beware of Spoofing & Phishing Schemes


Spoofing is when someone disguises an email address, sender name, phone number, or website URL—often just by changing one letter, symbol, or number—to convince you that you are interacting with a trusted source. For example, you might receive an email that looks like it’s from your boss, a company you’ve done business with, or even from someone in your family—but it actually isn’t.

Criminals count on being able to manipulate you into believing that these spoofed communications are real, which can lead you to download malicious software, send money, or disclose personal, financial, or other sensitive information.


Phishing schemes often use spoofing techniques to lure you in and get you to take the bait. These scams are designed to trick you into giving information to criminals that they shouldn’t have access to.

In a phishing scam, you might receive an email that appears to be from a legitimate business and is asking you to update or verify your personal information by replying to the email or visiting a website. The web address might look similar to one you’ve used before. The email may be convincing enough to get you to take the action requested.

But once you click on that link, you’re sent to a spoofed website that might look nearly identical to the real thing—like your bank or credit card site—and asked to enter sensitive information like passwords, credit card numbers, banking PINs, etc. These fake websites are used solely to steal your information.

Phishing has evolved and now has several variations that use similar techniques:

  • Vishing -  use the phone, voice email, or VoIP (voice over Internet Protocol) calls to get your personal information
  • Smishing - involve using SMS (text) messages.
  • Pharming scams - happen when malicious code is installed on your computer to redirect you to fake websites.
  • Quishing scams - don't click on random QR codes on places that you don't recognize. 

Protect Yourself

Protect yourself from fraud and possible identity theft by always questioning if something asks for personal information or sounds too good to be true. For example, never send money with the promise of receiving money back. If you are notified that you have won the lottery, make sure you have entered the lottery.

Below are some resources and tips that you may find useful to help safeguard your identity.

  • The power to protect your BankTennessee cards is in your hands with our mobile app - under the More menu click on Card Controls.
  • Use strong passwords and PIN numbers, and keep them secret.
  • Safeguard your social security number. Do not use it as your password, username or as your driver's license number. Keep your card in a safe place, but avoid carrying it with you.
  • Always be suspicious of anyone requesting your personal information, especially in an email or over the phone.
  • Check your bank statements and periodically check your credit report. This might alert you to any unauthorized activity.
  • With our enhanced fraud prevention tools, we will text you if we suspect fraudulent activity on your BankTennessee debit card. If you receive a fraud alert message, simply respond whether the transaction was yours or not. Click here for more information.
  • Protect yourself against fake check and money order scams.
  • The Federal Trade Commission is good resource to help you avoid identity theft and what to do if you are a victim.
  • For businesses: Learn about the steps you can take to prevent a corporate account takeover.
  • To learn more about how you can avoid being the victim of a scam, download our booklet Customer Awareness Training for Internet Banking Services.
  • Spoofing and phishing are key parts of business email compromise scams. Learn how to protect your business.
  • Ransomware is on the rise. Don't be a victim. Learn more here.
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