- Avoid clicking links or opening attachments from unexpected messages.
- Never share passwords, Social Security numbers, or account numbers with anyone.
- Be cautious of messages that make you feel like you need to do something urgently or threaten you with consequences for not doing what they say — when in doubt, call us back at (651) 265-5600.
Your Security. Our Priority.
Fraud prevention starts with awareness, quick action, and the right tools. Sunrise Banks is committed to helping consumers and businesses stay protected against evolving fraud threats. We encourage customers to:
- Recognize common scams. Sunrise Banks will never ask for passwords, PINs, or one-time passcodes.
- Report suspicious activity immediately.
- Practice strong cybersecurity habits.
- Take advantage of fraud prevention tools available through Sunrise Banks.
How Sunrise Banks Protects You
We use layers of technology and controls to help protect your information and accounts.
Security Highlights
- Identity verification — we verify your identity before opening an account, changing your address, or cashing checks.
- We monitor card activity 24/7 to help detect potential fraudulent charges.
- Strong encryption ensures only authorized parties can access your information.
- Secure sign-on through password-protected digital banking and secure hosting.
- Account lock after repeated incorrect login attempts.
- Automatic time‑outs during periods of inactivity.
- System protections, including firewalls and advanced security controls on our website.
Questions about security or available protection tools? Call us at (651) 265-5600.
What Sunrise Banks Will Never Ask You
To protect your information, remember that Sunrise Banks will never:
- Ask for your digital banking password
- Request your Secure Access Code (SAC) or multi‑factor authentication code
- Ask for your full debit card number or PIN
- Ask you to verify personal or account information through unsolicited links
- Tell you to move your money to another account “for your safety”
Remember: Sunrise Banks Will Never Ask for Your Passwords or Passcodes
Fraudsters often pose as banks, government agencies, or trusted companies to gain access to your accounts. If you receive a suspicious call, text, or email, stop and contact us at (651) 265-5600.
Protect Yourself Online
Help reduce your risk of fraud, identity theft, and account takeover by following these cybersecurity best practices.
Cybersecurity Basics: Small Steps, Stronger Protection
- Install and update anti-virus/anti-malware software and run regular scans.
- Keep your operating system and applications up to date.
- Use a firewall to help block unauthorized access.
- Use a unique password for your digital banking account.
- The best passwords combine unrelated words into a memorable passphrase.
- Include numbers, symbols, and varied letter cases.
- Use private, secure internet connections for digital banking.
- Avoid accessing sensitive accounts over public Wi‑Fi.
- Secure Access Code (SAC) verification adds protection when signing in from new devices.
- Use secure messaging within digital banking for confidential information.
- Avoid using email for transmitting personal or account data.
- Sunrise Banks debit cards include MasterCard SecureCode, which adds an extra layer of purchase security.
- Shop only on secure sites (look for “https://” and a closed padlock icon in the URL bar).
- Treat cards like cash.
- Never email card numbers or send them through unencrypted messaging.
- Share card details by phone only when you initiate the call.
- Review statements regularly and report discrepancies immediately.
- Shred receipts and dispose of documents securely.
- Enroll in eStatements to reduce mail theft risks.
- Destroy your old card when your replacement card arrives.
Manage Your Cards
Consumer Debit Card Controls
Use Debit Card Management in Digital Banking to control when, where, and how your cards are used.
Getting Started:
- Select Debit Card Management
- Tap Get Started
- Choose alert preferences and save
- Enter the security code and continue
- Your cards associated with your Digital Banking user Tax ID/ SSN will appear automatically
Report Fraud Immediately
When it comes to fraud, time matters.
If you notice unfamiliar transactions, receive a suspicious communication, or believe your personal information has been compromised, contact Sunrise Banks immediately.
Prompt reporting allows us to:
- Help protect your accounts.
- Investigate suspicious activity.
- Reduce potential losses.
- Assist with disputes and recovery efforts.
- Help prevent additional unauthorized transactions.
If something feels suspicious, don’t wait. Contact Sunrise Banks right away at (651) 265-5600 or visit a Sunrise branch.
How to Report Fraud or Identify Theft
Report suspected fraud immediately. Faster reporting improves recovery outcomes.
What to do if you think there has been fraudulent activity on your card or account:
- Dispute fraudulent charges or activity by calling us or visiting a branch.
- Place a fraud alert with one of the credit bureaus:
- Equifax®: 1-888-766-0008
- Experian®: 1-888-397-3742
- TransUnion®: 1-800-680-7289
- Innovis®: 1-800-540-2505
- Review your credit report for suspicious activity. You can obtain a free annual credit report at AnnualCreditReport.com.
- File a complaint with the Federal Trade Commission.
- File a police report and keep a copy for your records.
Fraud Prevention Tools and Treasury Management Solutions
Sunrise Banks offers solutions that help businesses and consumers identify suspicious activity sooner and respond more quickly to potential fraud.
Consumer Protection Tools
- Debit Card Management controls
- Account activity notifications
- Transaction alerts
- Multifactor authentication
- Digital Banking security controls, including card controls and account notifications.
These tools help customers monitor account activity and identify suspicious transactions quickly.
Consumer Debit Card Controls
Use Debit Card Management in Digital Banking to control when, where, and how your cards are used.
Getting Started:
- Select Debit Card Management
- Tap Get Started
- Choose alert preferences and save
- Enter the security code and continue
- Your cards associated with your Digital Banking user Tax ID/ SSN will appear automatically
How to Protect Your Business
Whether you manage personal accounts or oversee business operations, staying vigilant is essential. If you operate a business, the following tools and practices can strengthen your defenses against financial fraud and cyber threats.
Safeguarding your business from fraud requires strong internal controls, proactive monitoring, and well-trained employees.
- Designate authorized representatives to monitor employee activity related to financial systems and transactions.
- Review required bank security controls.
- Limit administrative access to only those employees who need it to perform their job functions.
- Restrict access to NPI to authorized employees who have undergone background checks.
- Review cyber liability insurance coverage.
- Conduct annual risk analyses of your banking processes.
- Regularly test security systems and internal controls.
- Manually monitor payment activity – especially during payroll or month-end.
- Review accounts frequently for unusual or unauthorized activity.
- Set online alerts for important account activity.
- Use strong password practices, including unique credentials, multi-factor authentication, and periodic password updates.
- Enable system audit logging.
- Turn on automatic updates for software, operating systems and applications.
- Ensure anti-virus/ anti-malware software updates daily.
- Use an email spam filter and disable automatic loading of embedded images.
- If banking from laptops or mobile devices off-site, consider a secure hotspot.
- Do not reuse your banking password elsewhere.
Additional Business Protection Tools
Recommended for businesses originating ACH, issuing checks, or managing high‑risk transactions.
ACH Positive Pay
Matches incoming ACH transactions against your approved list; unmatched items are returned.
Check Positive Pay
Flags altered or mismatched checks, requiring manual review.
ACH Debit Block
Blocks all outgoing and incoming ACH debits from your account.
Check Block
Blocks all checks written from your account.
Business Tokens
Adds a multi-factor authentication layer when accessing Treasury Management products.
Business Card Controls
For business cards, use the CardValet app (controls are not available within Digital Banking for commercial customers).
Setup Account Notifications
Helps users spot suspicious credit card charges or unauthorized sign-ins when account specific events occur.
Learn more about treasury management servicesTo enroll in these services or to learn more about how they can benefit your business, contact our Treasury Management sales team at [email protected].