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New Year's Hours

🕑 New Year’s Eve: Closing early at 2 PM | New Year’s Day: Closed all day

Please note, we have adjusted the processing times for our early closure date (12/31) as follows:
- ACH files, Remote Deposit Capture (RDC) deposits, and Mobile Deposits will be processed at 2:00 PM PT instead of 4:00 PM PT.
- Foreign Wires in Foreign Funds must be submitted by 10:30 AM PT for same day processing.
- Domestic Wires and Foreign Wires in US Dollars must be submitted by 1:00 PM PT for same day processing.

From all of us at Oregon Pacific Bank, we wish you a joyful holiday season filled with love, laughter, and memorable moments. Thank you for letting us be a part of your year—we look forward to serving you in 2025!
Notice

⚠️ Online Banking Service Disruption

We are currently experiencing a disruption with our Online Banking platform. Some clients may be unable to log in, while others may notice missing account information after logging in. Our team is actively working with our vendor to resolve these issues as quickly as possible. We sincerely apologize for the inconvenience and appreciate your patience.
NOTICE

Security Matters

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Your Financial Safety is What Matters Most

At Oregon Pacific Bank, we help people and communities thrive by focusing on what matters most—relationships, local decision-making, and trusted financial guidance. That includes protecting your financial well-being. This Security Matters resource hub is here to help you stay informed, stay alert, and stay safe.

🔒 A Reminder from Oregon Pacific Bank
Your financial institution will never call, email, or text you to request your account number, username, password, Social Security number, or other personal information.

Quick Links

To report a lost or stolen ATM/Debit card call: (877) 226-2351

You can also block your Oregon Pacific Bank card via Online or Mobile Banking.

Protect your community by reporting fraud, scams, and bad business practices

Report fraud now at reportfraud.ftc.gov

Oregon Pacific Bank utilizes fraud management services to protect card holders from fraud and identity theft.

Our systems will trigger an alert if an unusual purchase is made and will freeze your debit card if suspicious activity is detected.

If your debit card is mistakenly frozen for a purchase you made, give us a call at (800) 997-7121

Equifax (800) 525-6285

Experian (888) 397-3742

TransUnion (800) 680-7289

The Importance of Deposit Insurance and Understanding Your Coverage

Top 5 things to know about FDIC coverage

Calculate your FDIC insurance coverage

Featured Alerts

July is Military Consumer Month
Military families lost over $584 million to fraud in 2024. This July, join the FTC in sharing tools to help servicemembers and veterans spot, avoid, and report scams.
Lean More
Watch Out for Fake Package Texts
Scammers are sending fake USPS delivery texts to steal your info. Don’t click the link—check your order status directly with the retailer.
Learn More
Tax Identity Theft: Know the Signs
If the IRS rejects your return or shows income you didn’t earn, someone may have used your SSN to steal your refund. Learn how to report it and recover fast.
Leaen More

Running a business comes with enough challenges—don’t let fraud be one of them. From email scams to payment redirection, we’re here to help you recognize threats and protect your operations with trusted tools and guidance.

Common Business Scams:
  • Business Email Compromise – Scammers pose as executives or vendors to trick staff into sending payments or sensitive info.
  • Invoice Fraud – Fake or altered invoices are sent to redirect payments to fraudulent accounts.
  • Vendor Impersonation – Criminals pretend to be trusted suppliers to reroute orders or payments.
  • Payroll Diversion – Fraudsters request changes to direct deposit details to steal employee wages.
  • Phishing Attacks – Deceptive emails or texts that lure employees into clicking malicious links or sharing credentials.
  • Ransomware – Malware that locks your systems and demands payment to restore access.
  • Executive Impersonation – Scammers mimic company leaders to pressure staff into urgent financial transfers.
  • Fake Domain Scams – Look-alike websites used to steal login credentials or payment information.

 

Everyday Tips to Help Protect Your Business from Fraud
  • Verify payment requests — Always confirm changes to payment instructions or account numbers directly with the vendor using a known contact method.
  • Train your team — Educate employees on how to spot phishing emails, suspicious links, and social engineering tactics.
  • Use multi-factor authentication (MFA) — Require MFA for email, banking, and accounting systems to add an extra layer of protection.
  • Limit access to sensitive data — Only give employees access to the systems and information they need for their role.
  • Keep software up to date — Regularly update operating systems, antivirus software, and applications to patch security vulnerabilities.
  • Secure your Wi-Fi and devices — Use strong passwords, encryption, and firewalls for all business networks and devices.
  • Back up your data — Maintain secure, offline backups of critical business data in case of ransomware or system failure.
  • Monitor accounts regularly — Review bank and credit card statements for unauthorized transactions.
  • Establish internal controls — Use dual approval for large payments, wire transfers, and changes to vendor information.
  • Report suspicious activity — Encourage employees to speak up and know how to report fraud attempts internally and externally.
 
Trusted Resources

Whether you’re checking your bank account, shopping online, or getting a text about a delivery, scammers are always looking for ways to trick you. We’re here to help you stay one step ahead with practical tips and trusted resources to protect your personal information and your peace of mind.

Common Scams:
  • Package Delivery Scams – Fake texts claiming to be from USPS or FedEx ask you to click a link and enter personal info.
  • Phishing & Smishing – Emails or texts that look official but are designed to steal your login credentials or financial data.
  • Tax Identity Theft – Someone uses your Social Security number to file a fake tax return and steal your refund.
  • Online Shopping Scams – Fraudulent websites or sellers trick you into paying for items that never arrive.
  • Romance & Impersonation Scams – Scammers build fake relationships to gain trust and request money or personal info.
  • Tech Support Scams – You get a pop-up or call claiming your device is infected and asking for remote access or payment.
  • Social Media Investment Scams – Promises of quick returns on crypto or stock investments that lead to financial loss.
 
Everyday Tips to Stay Safe from Scams
  • Slow down and verify – Scammers create urgency. Pause before clicking links, sharing info, or sending money.
  • Don’t trust caller ID or email display names – They can be spoofed. Always verify through official channels.
  • Use strong, unique passwords – And enable two-factor authentication (2FA) wherever possible.
  • Keep software and devices updated – Security patches help protect against known vulnerabilities.
  • Be cautious with links and attachments – Especially in unexpected emails or texts, even if they look official.
  • Monitor your accounts regularly – Set up alerts for unusual activity and review statements often.
  • Shred sensitive documents – Don’t toss bank statements or tax forms in the trash unprotected.
  • Know how to report fraud – Save trusted links like reportfraud.ftc.gov and identitytheft.gov
 
Trusted Resources for Consumers:

Scammers often target older adults with convincing phone calls, emails, and messages that can be hard to spot. We’re here to help you stay informed and confident with simple, trustworthy tips to protect your money and personal information—so you can focus on what matters most.

Common Scams Targeting Seniors
  • Government Impersonation Scams – Calls or emails claiming to be from the IRS, Social Security, or Medicare asking for personal info or payment.
  • Tech Support Scams – Pop-ups or calls warning of a virus and asking for remote access or payment to “fix” your computer.
  • Grandparent Scams – Someone pretends to be a grandchild in trouble and asks for money urgently.
  • Romance Scams – Scammers build fake relationships online to gain trust and request money or gift cards.
  • Prize & Lottery Scams – You’re told you’ve won a prize but must pay fees or taxes to claim it.
  • Charity Scams – Fake charities ask for donations, especially after disasters or during the holidays.
  • Gift Card Payment Scams – Anyone demanding payment by gift card is a scammer—no legitimate business or agency does this.

 

Everyday Safety Tips for Seniors & Their Families

  • Pause before acting on urgent messages – Scammers often create panic. If someone says you must act “right now,” take a moment to verify the request with a trusted source.

  • Never share personal info over the phone or email – Government agencies and banks will never ask for your Social Security number, account info, or passwords by phone or email.

  • Don’t trust caller ID – Scammers can fake phone numbers to look like they’re from Medicare, the IRS, or even a family member.

  • Avoid paying with gift cards or wire transfers – No legitimate organization will ask you to pay using gift cards, cryptocurrency, or wire services like Western Union.

  • Use strong passwords and write them down safely – Choose passwords that are hard to guess and store them in a secure place—or use a password manager if you’re comfortable.

  • Install updates on phones, tablets, and computers – Keeping devices up to date helps protect against new scams and viruses.

  • Talk openly about scams – Caregivers and family members should regularly check in and talk about new scam tactics and how to handle them.

  • Report suspicious activity – If something feels off, report it to the FTC at reportfraud.ftc.gov or get help at identitytheft.gov.

 

Trusted Resources for Seniors

Downloadable Resources

Have a question or a suggestion?

If you notice a resource we should add or have a question about protecting your financial information, we’d love to hear from you!

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