Be Cyber Smart

Scammers pretending to be Town & Country Bank and Trust Co. are sending fraudulent text messages. Do not click any links in these messages and never share your username or password.

Financial institutions will never ask you for your password, passcodes, or other login information. If you receive a questionable text message or email claiming to be from Town & Country Bank and Trust Co., please send a copy to If you suspect fraudulent activity on your account, the TCBT customer service team is available to take your call Monday through Friday, 8:30 a.m. to 11 p.m., and on Saturdays from 8:30 a.m. to 5 p.m., at 877-813-3282. For after hours debit card fraud assistance, you should contact 888-297-3416.

Customers and non-customers with Nelson County Area phone numbers are receiving these messages. Criminals are targeting communities across the country by pretending to be a local bank, sending messages to local phone numbers, phishing for account access.
Text messages containing spoofed TCBT Online Banking login pages. The messages indicate fictitious debit card charges to solicit a response from the customer. The messages vary in sender, link, and content (see examples):
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  • DO NOT enter your username, password, or authentication codes into links from text messages.
  • If you ever receive a fraud alert regarding transactions on your account and want to verify, you should either call the bank directly, call the phone number on the back of your debit card, or sign into online banking through your normal sign in method (never using links received in messages or email).
  • If you did enter your username, password, or passcode, contact TCBT immediately, or come into a branch. Our Call Center is available Monday through Friday, 8:30 a.m. to 11 p.m., and on Saturdays from 8:30 a.m. to 5 p.m., at 877-813-3282.
  • Please send a screenshot of the message to
  • Report the message as spam/junk using your mobile carrier.
  • We are working to have the spoofed websites taken down.
  • We are working with customers who input their credentials to minimize any losses.
  • We have filed a report with the FBI’s IC3 group.


  • Be cautious of unsolicited messages or phone calls, especially if they ask you to act with urgency or ask for personal information.
  • Do not click links in messages and never share your log in credentials.
  • When in doubt, contact the bank on a known number.