Fraud Center

KANZA Bank is committed to providing you with the most secure access to your accounts. You may be a victim of fraud if you notice the following:

  • Collection calls about purchases you didn't make.
  • Calls from credit card companies about charges you didn't incur or cards you don't hold.
  • Unfamiliar charges, vendors or withdrawals on your financial statement.

To help you avoid becoming a victim of online fraud, we make available to you within this section our industry's best resources. If you see or suspect fraudulent activity in your accounts, take immediate action to restore your identity and minimize damage. Alert the three credit bureaus so they may notify you of any compromising activity, documenting conversations by name, date and action. Follow these links:

Types of Fraud

Identity Theft

Identity theft occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. It can cost you time and money, destroy your credit and ruin your good name. Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves providing information on steps you may take to secure your personal computer and protect yourself from identity theft. It also includes suggestions on what to do if you become a victim of identity theft.

View FDIC Video - How to Guard Against Internet Thieves and Electronic Scams .

Read - Deter, Detect and Defend ID Theft

Watch Identity Theft video from Federal Trade Commission. -- Click Here


Phishing can come in many forms -- through email, by phone or by text message. The message may seem authentic, and in some cases the perpetrators have taken great care to obtain personal information that appears legitimate. In all cases, you are asked to communicate back in some way by calling a specific phone number of clicking on a link and providing your personal information. The message may come from a financial institution or company you are familiar or unfamiliar with, one that you may or may not do business with currently. Whatever form the message arrives in, it may resemble something like these:

We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below and confirm your identity.

During our regular verification of accounts, we couldn't verify your information. Please click here to update and verify your information.

This is a scam referred to as phishing, and it involves internet fraudsters who send spam or pop-up messages to lure personal information from unsuspecting victims.

Read - How Not To Get Hooked by a "Phishing" Scam


Skimming is a method by which thieves obtain your credit or debit card account information to create counterfeit credit or debit cards. It takes place at the point of purchase, your card is swiped for an actual purchase, then swiped again into the skimming device which could be a hand-held or similar device.

Learn More

To learn more or to report identity theft or phishing, please visit the following websites:

Identity Theft - Consumer Information .

If you have concerns or suspect that you've been a victim of fraud, contact KANZA Bank.

Computer Security Tips

1. Be Vigilant About Network Security.

Whether home or office, your computer should be protected by a reliable, proven security software. When in doubt, choose software from a well-known and established provider, and discuss options with a qualified technology dealer.

2. Develop a Heightened Instinct.

With so many predators stalking your technology, it's a good idea to develop a healthy skepticism about the emails, texts and calls you receive. When someone contacts you that you do not know, but they speak as they know you, think twice. If something seems off, hang up or delete the message.

3. Guard Your Personal Information.

If someone requests your personal information, this should raise a red flag. Legitimate sources will use legitimate means to contact you and request this information. Similarly, keep your passwords in a safe place and update them regularly.

4. Purchase from Encrypted Websites Only.

If you make online purchases, be sure to check the security statement of the company you are buying from and make sure your information will be encrypted as it is traveling from your computer to their server. To determine if a web site has the proper security, look for an "https" at the beginning of the web address on the page where your purchase is taking place. The extra "s" stands for secure. You may also notice a "padlock" or "key" icon.

5. Consider Hiring A Professional.

Technology is a language all its own. Whether for your home or business, if you don't understand the basics, you may want to hire an IT professional to install security software, monitor your network, install a spam filter, back up your data and perform other regular maintenance to protect your network. has provided an excellent guide for minimizing security risks on your computer. Access it here. .

Report Fraud or Suspicious Activity

If you suspect that you have become a victim of fraud, or you wish to put further protections in place against such, KANZA Bank offers the following tips:

  • Do not respond to email warning you of dire consequences unless you validate personal information immediately. Look for a phone number and instead, contact the company to confirm the email's validity.
  • If you have responded to an email, contact your bank immediately so they can protect your account and your identity.
  • Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.

Check/Debit Card

To report a lost or stolen debit card or checks, call 620-694-6767, 24 hours a day, 7 days a week, 365 days a year. During business hours, you may call toll free 888-532-5821.

Fraudulent Emails

KANZA Bank will not send you emails requesting personal or account information. These fraudulent messages are called “phishing”. If you have received and responded to a message that appears to be from KANZA Bank, notify us immediately by calling 888-532-5821. You may also forward the email to

If You Become A Victim

Print and follow these steps to reclaim and restore your identity.

  • Contact banks and credit institutions.

    Put a stop payment on any missing checks and close accounts that are compromised.

  • Change online passwords.

    Update all access information for accounts and cards associated with the fraud.

  • File a police report.

    Contact the police department in the community where the fraud took place.

  • Contact the post office.

    Ensure that no address changes have been requested on your residence or business.

  • File a complaint with the Federal Trade Commission.

    Report your complaint at

  • Contact the Social Security Administration.

    Ensure that there's no unauthorized activity associated with your SS#.

  • Contact the three major credit bureaus.

    It is your right and duty as a consumer to notify the credit bureaus of fraud, and to request that any associated inquiries be removed from your accounts. Request that fraud alerts be placed on your accounts and that creditors contact you before opening any new accounts or making changes to existing accounts. Contact the credit bureaus at the links and phone numbers below.

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