What is the 320 Area Code?

St. Cloud, MN
Safety Rating: MODERATE

The 320 area code serves St. Cloud, MN and surrounding areas. Established in 1947, it covers St. Cloud, Sartell, Sauk Rapids, Cold Spring, Richmond.

Legitimate Callers from 320

Government

Social Security Administration

Benefits and verification calls

Verify Caller
Official Prefix: 800-772

Internal Revenue Service

Tax-related communications

Verify Caller
Official Prefix: 800-829

Utilities

Service and billing notifications

Healthcare

Appointment reminders and follow-ups

Timezone

Central Time (UTC-6)

Risk Level

3.5/10

2023 Scams

5232

Population

Approximately 200,000

Regional Information

Major Cities

  • St. Cloud
  • Sartell
  • Sauk Rapids
  • Cold Spring
  • Richmond

Major Employers

  • St. Cloud State University
  • Coborn's
  • Electrolux
  • Granite City Food
  • H&R Block

Local Authorities

  • Police: St. Cloud Police Department: (320) 251-1200
  • Consumer Protection: Stearns County Consumer Protection Office: (320) 656-6188
  • Fraud Unit: Stearns County Sheriff's Office: (320) 259-3756

Active Scam Alerts

No active scam alerts at this time.

Safety Resources

How to Report Scams

Immediate Steps:

  • Document the call details
  • Report to FTC at ftc.gov/complaint
  • Contact local authorities
  • Alert your bank if needed

Follow-up Actions:

  • File written complaint
  • Monitor credit reports
  • Join Do Not Call Registry
  • Share alert with community

Local Support

St. Cloud Consumer Protection Office