BioCatch’s 2026 Digital Banking Fraud Trends in the U.S. Mid-Market report offers a comprehensive perspective on the current threat landscape facing community banks and credit unions. It relies on proprietary data from more than 250 U.S. mid-market customers. 

In this report, you’ll discover:

•    Fraud activity trends downward: Overall fraud sessions declined 11% from the second half of 2025 to the first half of 2026, alongside a 15% drop in bot activity.

•    Mule sessions on the rise: Meanwhile, a 25% increase in reported mule sessions points to a greater reliance on human-operated money movement, which can be more difficult for traditional fraud controls to detect.

•    New devices are a common mule signal: More than half (52%) of mule sessions originated from new devices, up 17 percentage points year over year.

•    Remote access remains a growing threat: Remote access sessions increased by 6% in 2026, consistent with a rise in social-engineering scams in which victims are coached into granting a malicious third party access to their screen or device.

View the full report to stay ahead of emerging fraud trends and strengthen your defenses against evolving threats.