We’re sorry, your browser is not supported.

For the best experience, we ask that you switch to the latest version of Chrome, Firefox, or Edge. If you would like to access your accounts before updating your browser, you can follow the links below.

Machias bank fallback image

Security Center

Elder/Caregiver Scams

Hiring in-home care can be complicated and costly.

Finding someone you can trust adds another layer of complexity and concern. To help protect your loved ones, hire caregivers only through a bonded and insured home-care agency. Don’t use an online classified site like Craigslist or Facebook Marketplace.

AARP Recommendations

Take these additional steps to safeguard a care recipient from financial exploitation.

  • Secure valuables, cash and cards-Limit an in-home aide’s access to a loved one’s cash, checkbooks, and credit cards. If their job includes buying groceries or running errands for the older person, consider giving them prepaid debit cards for the purpose, so they can spend only up to the loaded amount.
  • Be present-Check in regularly with both the caregiver and the care recipient to monitor the quality of service and see how the relationship is developing. Make unannounced visits if you are close by. If you live far away, ask a trusted friend of your loved one to pop in at least once or twice a month.
  • Use technology-If your loved one will allow it, install a doorbell video camera on the front door and monitor transactions.
  • Monitor transactions-Arrange “view only” access to their bank and credit card accounts.
Gentleman using mobile phone

Watch for these warning signs:


Large, frequent, or unexplained bank withdrawals or fund transfers


Changing from a basic bank account to one with more complicated services


A new person conducting financial transactions on a loved one’s behalf without proper documentation (such as a financial power of attorney)


Checks that are written as “loans” or “gifts” or have suspicious-looking signatures


Sudden overdrafts or unpaid bills


Changes to wills, trusts, or powers of attorney

If you suspect caregiver fraud or theft, contact Maine DHHS and MSB’s Customer Service Department at 1-866-416-9302.

Important Notice

By following this link, you will be leaving Machias Savings Bank’s website and visiting a non-affiliated third party website. Be sure to review their terms and conditions as you will be subject to their terms of use. Click Yes to proceed or No to remain in www.machiassavings.bank.

Would you like to proceed?