How to Recognize Legitimate Financial Institutions

Prepared by the BankingUS Editorial Team. Last reviewed October 25, 2026. How we review

Check the institution in FDIC BankFind or NCUA's credit union locator, confirm the website address independently, and be wary of guaranteed approvals and upfront fees. Real lenders disclose rates, fees and terms in writing.

Verify with official sources

Start with the FDIC and confirm details with your provider.

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How to Recognize Legitimate Financial Institutions

Verify with official sources

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