Security

Protect your money.  Know the signs.

Report Suspicious Activity Lost or stolen card? Contact us.

Think your account is at risk?

Act quickly, but do not let anyone rush you into sharing information or moving money.

Stop Communicating

Do not reply to the message, click a link, share a security code, or send money.

Check Your Account

Sign in through the official Heritage South mobile app or website. If your debit card may be compromised, you can turn it off using Card Controls.

Give Us a Call

For suspicious account activity or a lost debit card call:
(931) 680-1400

Watch for fake Heritage South texts

You may receive a text about a purchase or transfer you do not recognize. The message may ask you to reply, click a link, sign in to your account, or share a one-time security code.

Do not click the link. Open our official mobile app or type our website address directly into your browser. You can also call us at (931) 680-1400 to confirm whether the message is real.

We will never send you a link to cancel a transfer or ask for your online account login information.

Call Us

We will never ask you to

Share your login

We will never ask for your online account username and password to verify your identity.

Give us your PIN

We will never ask for your debit card number and PIN to verify who you are.

Read us a security code

Never share the one-time security code sent to your phone when you sign in. A request for this code may be an attempt to access your account.

Accept an unusual refund

We will never promise to refund your money through Cash App, Venmo, gift cards, or an account-to-account transfer.

Common scams and how they work

You receive a text about a purchase or transfer you do not recognize. After you reply, you may get a call from someone claiming to work in a fraud department.

You may then receive a fake sign-in link or a request for your password or security code. Do not respond. Check your account through our official app or website and call us directly.

You receive an unexpected email or text asking you to click a link, open an attachment, verify account information, or respond to an urgent warning.

Scammers use these messages to steal passwords, security codes, and personal information. Avoid unfamiliar links and attachments. If a message seems to be from Heritage South, open our official app or website instead of using the link provided.

Someone sends you a check and asks you to deposit it, then send some of the money back, pay another person, or return an “overpayment.”

The money may appear in your account before the check is discovered to be fake. If it is returned, you could be responsible for the money you already sent. Be cautious anytime someone asks you to move money after depositing a check they gave you.

Someone tells you to send money through a payment app, wire transfer, gift card, or another account to fix a problem, protect your money, or complete a purchase.

Moving money does not make it safer. Once funds are sent, they can be difficult or impossible to recover. Stop and contact us directly before sending money if something feels unusual or rushed.

You receive a call or message saying a family member is in trouble and needs money right away. The scammer may pretend to be your relative, a police officer, lawyer, or another person helping them.

Do not let urgency pressure you into sending money. Hang up and contact your family member directly using a number you already know.

Scammers can attach hidden equipment to ATMs, gas pumps, and other card readers to steal your card information and PIN.

Before using a card reader, check for loose, damaged, or unusual-looking parts. Cover the keypad when entering your PIN, and review your account regularly for transactions you do not recognize.

Simple ways to protect your accounts

Sign in only through our official website or mobile app.
Use a strong password that you do not use for other accounts.
Keep two-factor authentication turned on.
Never share a one-time login or security code.
Review your balances and recent transactions regularly.
Use Card Controls to turn off a lost or misplaced debit card.
Choose eStatements when possible.
Shred documents containing personal information.
Contact us whenever a message or transaction looks suspicious.
Our mobile app includes two-factor authentication, account activity, check images, transaction search, and debit card controls.

Learn More About Our Mobile App

Traveling outside Tennessee?

Before traveling, call us at (931) 680-1400 or use the Unblock States feature through our mobile app or your online account. You can temporarily unblock a state online. Contact us if you need the state unblocked for a longer period.

Four signs you may be dealing with a scam

An unexpected identity claim

A caller or sender may claim to represent us, a government agency, a utility company, law enforcement, or someone you know. A familiar name or phone number on your caller ID does not prove the message or call is real.

A sudden problem

You may hear that your account has been compromised, a bill is overdue, a family member is in trouble, or legal action is about to begin.

Pressure to act

You may be told not to hang up, speak with anyone else, or take time to think. Pressure and urgency are common scam tactics.

An unusual payment request

Be cautious when you are asked to pay through gift cards, cryptocurrency, cash, a wire transfer, or a payment app. Never transfer money to “protect” it.

Questions? We’re here to help

Do not rely on the caller ID, phone number, or link inside the message. A phone number or sender name can be disguised. Do not respond using the contact information provided in the message. Call us at (931) 680-1400 or use the contact information listed on our official website.

No. We will never ask you to provide the security code sent to your phone when you sign in through our website or mobile app.

Close the page and do not enter any information. If you entered your username, password, card information, or a security code, contact us immediately.

Change any affected passwords through the official Heritage South app or website.

Call us at 931-680-1400 as soon as possible.

If the transaction involves your debit card, you can also use Card Controls to turn your card off while you contact us.

Debit Card: 931-680-1400
Credit Card: 931-680-1490

You can also use Card Controls to turn off your debit card through online or mobile access.

Yes. If you’re traveling outside Tennessee, contact us before you leave or use Unblock States through online or mobile access to help prevent interruptions when using your card.

Not finding what you’re looking for? See all FAQs

Have you been impacted? Call us.

You don’t have to figure it out alone. If a message, phone call, transaction, or request seems suspicious, stop and contact us directly.

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