Safety & Fraud Prevention

‘Tis The Season to Watch Out for Swindlers!

Don’t let swindlers snatch away your holiday joy. AARP® shares 4 common holiday season scams to watch for:

  • Charity scams: Network for Good, a leading charitable fundraising organization, reports that 1/3 of all charitable giving is done in December. Scammers set up sham charities to exploit the ‘season of giving’ via fake websites and pushy telemarketers so be sure to use caution when you receive donation requests.
  • Delivery scams: As holiday packages crisscross the country, scammers send out phishing emails disguised as UPS, FedEx or U.S. Postal Service notifications of incoming or missed deliveries. Links lead to phony sign-in pages asking for personal information, or to sites infested with malware.
  • Travel scams: According to a recent survey, 27% of Americans plan to travel during the holidays in 2021. Spoof booking sites and incredible email offers proliferate. When travel deals look too good to be true, they probably are.
  • Letter from Santa scams: A custom letter from jolly old St. Nick makes a holiday treat for the little ones on your list, and many legitimate businesses offer them. But so do many scammers looking to scavenge personal information about you or, worse, your kids or grandkids, who may not learn until many years later that their identity was stolen and their credit compromised.

For more information visit: How to Protect Yourself From Holiday Scams (

Score a Secure Credit Report

Here are some Better Business Bureau recommendations published in USA Today that can help you avoid getting caught up in ‘Free Credit Score’ phishing scams:

  1. Always check the domain name.
    Government agencies usually communicate through the mail, not text or email. (One common scam involves a fake email claiming to be from the Internal Revenue Service and requesting information.)
  2. Use the official free credit report website,
    The only free credit report service BBB recommends is The government requires that consumers have access to their credit report once every 12 months from each of the three credit bureaus: Equifax, Experian and TransUnion. 
  3. Avoid links and attachments.
    If you receive any unsolicited attachments or links, the BBB recommends avoiding them. If you want to log into your bank, for example, type in the url directly on your browser instead of clicking on any embedded hyperlink, which could take you to an impostor site.
  4. Don’t provide your credit card.
    If a credit score site does require your credit card information before sharing your credit score, it could be a sign that it plans to charge you or enroll you in a monthly service.
  5. Skip sites that are not secure.
    The BBB also recommends never entering your personal information, including your Social Security number, address or banking information, on websites that are unfamiliar or non-secure. The url should include “https” in it. If you are ever suspicious , turn to a more traditional mode of communication – the telephone – to check on it. But don’t call the numbers included in emails, which could be fake.
  6. Password-protect your phone.
    Your phone probably contains a lot of personal data, which is why you should password-protect it, just in case you lose it. You wouldn’t want a stranger having access to all your emails and accounts. 

You can report suspected scams at: Report Scams and Frauds | USAGov and BBB Scam Tracker℠ | Find and Report a Scam | Better Business Bureau

Download these mobile device security tips.

The Cybersecurity & Infrastructure Security Agency (CISA) has some helpful guidance on how to improve mobile device and app security and reduce exposure to fraud: Privacy and Mobile Device Apps | CISA

What are the risks associated with mobile device apps?

Applications (apps) on your smartphone or other mobile devices can be convenient tools to access the news, get directions, pick up a ride share, or play games. But these tools can also put your privacy at risk. When you download an app, it may ask for permission to access personal information—such as email contacts, calendar inputs, call logs, and location data—from your device. Apps may gather this information for legitimate purposes—for example, a ride-share app will need your location data in order to pick you up. However, you should be aware that app developers will have access to this information and may share it with third parties, such as companies who develop targeted ads based on your location and interests.

How can you avoid malicious apps and limit the information apps collect about you?

Before installing an app

  • Avoid potentially harmful apps (PHAs). Reduce the risk of downloading PHAs by limiting your download sources to official app stores, such as your device’s manufacturer or operating system app store. Do not download from unknown sources or install untrusted enterprise certificates. Additionally—because malicious apps have been known to slip through the security of even reputable app stores—always read the reviews and research the developer before downloading and installing an app.
  • Be savvy with your apps. Before downloading an app, make sure you understand what information the app will access. Read the permissions the app is requesting and determine whether the data it is asking to access is related to the purpose of the app. Read the app’s privacy policy to see if, or how, your data will be shared. Consider foregoing the app if the policy is vague regarding with whom it shares your data or if the permissions request seems excessive.

On already installed apps

  • Review app permissions. Review the permissions each app has. Ensure your installed apps only have access to the information they need, and remove unnecessary permissions from each app. Consider removing apps with excessive permissions. Pay special attention to apps that have access to your contact list, camera, storage, location, and microphone.
  • Limit location permissions. Some apps have access to the mobile device’s location services and thus have access to the user’s approximate physical location. For apps that require access to location data to function, consider limiting this access to when the app is in use only.
  • Keep app software up to date. Apps with out-of-date software may be at risk of exploitation of known vulnerabilities. Protect your mobile device from malware by installing app updates as they are released.
  • Delete apps you do not need. To avoid unnecessary data collection, uninstall apps you no longer use.
  • Be cautious with signing into apps with social network accounts. Some apps are integrated with social network sites—in these cases, the app can collect information from your social network account and vice versa. Ensure you are comfortable with this type of information sharing before you sign into an app via your social network account. Alternatively, use your email address and a unique password to sign in.

What additional steps can you take to secure data on your mobile devices?

  • Limit activities on public Wi-Fi networks. Public Wi-Fi networks at places such as airports and coffee shops present an opportunity for attackers to intercept sensitive information. When using a public or unsecured wireless connection, avoid using apps and websites that require personal information, e.g., a username and password. Additionally, turn off the Bluetooth setting on your devices when not in use. (See Cybersecurity for Electronic Devices.)
  • Be cautious when charging. Avoid connecting your smartphone to any computer or charging station that you do not control, such as a charging station at an airport terminal or a shared computer at a library. Connecting a mobile device to a computer using a USB cable can allow software running on that computer to interact with the phone in ways you may not anticipate. For example, a malicious computer could gain access to your sensitive data or install new software. (See Holiday Traveling with Personal Internet-Enabled Devices.)
  • Protect your device from theft. Having physical access to a device makes it easier for an attacker to extract or corrupt information. Do not leave your device unattended in public or in easily accessible areas.
  • Protect your data if your device is stolen. Ensure your device requires a password or biometric identifier to access it, so if is stolen, thieves will have limited access to its data. (See Choosing and Protecting Passwords.) If your device is stolen, immediately contact your service provider to protect your data. (See the Federal Communications Commission’s Consumer Guide: Protect Your Smart Device.)

Watch out for ‘card sharks’!

Credit card fraud is a widespread problem. It’s hard to stop it altogether but the Federal Trade Commission has some tips to make it tougher for someone to get hold of your cards and card numbers.

Visit the links below to read more about credit card fraud:

Study Up on School Safety

From the National Safety Council

Back-to-school season is a hectic time for families. The National Safety Council shares a checklist with transportation and school environment tips that will help keep students safe and healthy throughout the school year.

Transportation Safety

Whether children walk, ride their bicycle or take the bus to school, it is extremely important that they take proper safety precautions. Here are some tips to make sure your child safely travels to school:

Walking to school

  • Review your family’s walking safety rules and practice walking to school with your child
    • Walk on the sidewalk, if one is available; when on a street with no sidewalk, walk facing the traffic
    • Before you cross the street, stop and look left, right and left again to see if cars are coming
    • Make eye contact with drivers before crossing and always cross streets at crosswalks or intersections
    • Stay alert and avoid distracted walking

Riding a bicycle to school

  • Teach your child the rules of the road and practice riding the bike route to school with your child
    • Ride on the right side of the road, with traffic, and in single file
    • Come to a complete stop before crossing the street; walk bikes across the street
    • Stay alert and avoid distracted riding
    • Make sure your child always wears a properly fitted helmet and bright clothing

Riding the bus to school

  • Teach your children school bus safety rules and practice with them
    • Go to the bus stop with your child to teach them the proper way to get on and off the bus
    • Teach your children to stand six feet (or 3 giant steps) away from the curb
    • If your child must cross the street in front of the bus, teach him or her to walk on the side of the road until they are 10 feet ahead of the bus; your child and the bus driver should always be able to see each other

Driving your child to school

  • Stay alert and avoid distracted driving
    • Obey school zone speed limits and follow your school’s drop-off procedure
    • Make eye contact with children who are crossing the street

School Safety

Many school-related injuries are completely preventable. Follow these steps to ensure your child’s safety at school:

Preventing backpack-related injuries

  • Choose a backpack for your child carefully; it should have ergonomically designed features to enhance safety and comfort
    • Ask your child to use both straps when wearing their backpack to evenly distribute the weight on their shoulders
    • Don’t overstuff a backpack; it should weigh no more than 5 to 10 percent of your child’s body weight
    • Rolling backpacks should be used cautiously since they can create a trip hazard in crowded school hallways

Preventing playground-related injuries

  • To reduce strangulation hazards on playgrounds, have your child leave necklaces and jackets with drawstrings at home

Checklist provided by The National Safety Council:

Don’t Let a Scam Artist Do a (PIN) Number on You.     

Here are tips to prevent Personal Identification Number Scams

Taking a few simple steps can help keep scam artists from using your ATM, phone or other login PINs (Personal Identification Numbers) and accessing your money or other personal information. Remember to NEVER write a PIN down where others may see it (on the card, on a paper kept in your wallet, or on a paper in general) and try to make the numbers easy for you to remember and difficult for others to guess. Avoid variations on your (or a family member’s) birthdate, sequential numbers, any part of your social security number, address, or phone number.

Other tips include:

  • Stand between the ATM keypad and the person around you so that they don’t see you in-putting your PIN.
  • Guard your PIN as you enter it in the machine.
  • If the ATM does not appear to be working correctly, contact bank staff. Don’t let a stranger assist you.
  • Do not give your ATM PIN to someone else to run a quick errand for you. You give out your ATM PIN, you’ve just given access to your bank account.
  • Do not leave your ATM card unattended.
  • Use an ATM with adequate lighting.
  • Never give out your PIN over the phone.
  • Use the Word Method for PIN selection. Convert the digits of a word to the keys on the telephone. For example, if your word is DOGS, the equivalent from the keypad on your phone would be 3647.
  • As soon as you’ve completed a Drive-Thru ATM transaction, get your receipt, roll up your windows and pull away from the machine. Do not sit in the area counting money or using your cell phone.

Report Identity Theft to the Federal Trade Commission (FTC) online at or by phone at 1-877-438-4338

Tips to Prevent ID Theft

IDENTITY THEFT happens when someone uses your personal information (name, Social Security number, credit card number, etc.) without your permission to commit fraud or other crimes. This is a serious crime that can have devastating consequences as some victims must spend hundreds of dollars and many hours repairing their good name and credit record.

Bank of Labor will do whatever it takes to keep your online identity safe.  The following are some helpful tips that will assist you in preventing identity theft.

Tips to Prevent Identity Theft

Beware of Phishing

Phishing is a scam where online criminals try to lure personal information such as credit card numbers or bank account information from unsuspecting victims. Be aware of spoofed email or websites that look like they come from your bank or another trusted source in an attempt to deceive you.

Bank of Labor will NEVER request personal information by email or text message including account numbers, passwords, personal identification information or any other confidential customer information.  Fraudulent emails may be designed to appear as though they are originated by Bank of Labor. Do not respond to any email request asking for personal or confidential information and do not click any links listed on that e-mail. These communications are not from Bank of Labor!  Never give out any information that the Bank already has if you are contacted by phone, text message, or email.

If you contact us we may verify your information to confirm your identity but we will never contact you and ask for your debit/credit card number. If we need to contact you, it will always be done in a manner that protects your personal, confidential information and we will clearly identify ourselves.  If you are unsure, contact us directly using our contact information on your card, statement or our website.

Protect Yourself Online
  • Install anti-malware software including virus and spyware protection and be sure to keep it up to date.
  • Ensure your mobile device and computer are updated with the latest software patches for your installed programs and Operating System.
  • Be sure and use a firewall when browsing. Firewalls help prevent unauthorized internet users from accessing private networks.
  • Never click on links in unsolicited emails.
  • Don’t surf to pages you are unsure of.
Check Your Credit Report

Make a habit of checking your credit report. You can get a free copy of your credit report from the big three reporting agencies each year. Visit to learn more.

Practice ATM Safety

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

  • Prepare for your transactions in advance (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  • Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night deposit facility because they may contain important account information.
  • Compare your records with the account statements you receive.
  • Don’t lend your ATM card to anyone.
  • Remember; do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  • Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don’t write your PIN where it can be discovered. For example, don’t keep a note of your PIN in your wallet or purse.
  • Prevent others from seeing you enter your PIN by using your body to shield their view.
  •  If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  • When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure to use a facility (including the parking area and walkways) that is well lit. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
  • Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
  • If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
  • Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home or other secure surrounding.
  • At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
  • We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

Call (913) 321-4242 if you notice suspicious account activity or experience customer information security-related events.


For tips to protect your data privacy, visit:


Contact Us

Need to reach us? Please contact us at the number below and our team will gladly assist you. If you would like to open an account or speak to a personal banker visit us at any of our locations located in the Greater Kansas City Metro Area.


+1 913 321 4242


756 Minnesota Avenue
Kansas City, Kansas 66101