Here are some helpful tips to help spot fraudulent emails and texts.


  • The message comes from a 10-digit phone number with an area code rather than the 5-digit number that our legitimate online banking messages come from.
  • The message directs you to click on a link. Our online banking messages will never include a link. You should only log in to your online banking via the mobile app or portal on the website.
  • The URL for the linked page is not the URL for our legitimate online banking (
  • The message contains spelling and/or punctuation errors.

For even more tips please check out this link from the FTC.


Somerset Trust will never send you an email/text with a link asking you to input your credentials.  We will also never ask for any security code sent to you.  Please do not share your credentials or security codes with anyone.