Fraud Information
Contents
- Contact Information
- Lost or Stolen Cards
- Active Fraud Alerts
- Prevention Tools
- Helpful Fraud Information
- Credit Bureaus
- Fraud FAQs
Contact Information
Contact National Exchange Bank & Trust Customer Service immediately at your local office or at 920-921-7700 if you suspect identity theft or fraud involving any of your National Exchange Bank & Trust accounts including if you believe you may have given out any confidential information.
If you feel that your credit or debit card has been compromised, please immediately call the number on the back of your card.
Lost or Stolen Cards
To report a lost or stolen card during normal business hours
Please call the bank at 877-921-7700
To report a lost or stolen card after normal business hours
CheckCards or ATM Cards - 800-236-2442
Credit Cards - 800-221-5920
Active Fraud Alerts
Prepaid Debit Card Scam
For decades, a request for wire transfers has been the calling card of scammers. But with many would-be victims aware of this red flag, fraudsters are increasingly asking to be paid in another way: through Green Dot’s MoneyPak cards or other prepaid debit cards. Learn more.
Zeekrewards.com
On August 17, 2012, the U.S. Securities and Exchange Commission filed a complaint in the United States District Court for the Western District of North Carolina alleging that Rex Venture Group LLC d/b/a Zeekrewards.com and its principal, Paul R. Burks, conducted a fraudulent Ponzi scheme that raised $600 million from approximately one million investors. The District Court has appointed a receiver to handle potential claims from injured investors. More information.
Fraudulent Cashier's Checks
When conducting business via eBay, Craig's List or any buy/sell site, always be wary of payments in excess of the agreed upon purchase price. Frankly, any transaction where the purchaser overpays and asks you to send some of the extra back is a recipe for disaster. Counterfeit or fake checks are being used in a growing number of fraudulent schemes, including foreign lottery scams, check overpayment scams, Internet auction scams and secret shopper scams. Learn more.
Spotting an Imposter: The Grandparent Scam
The Federal Trade Commission (FTC) warns consumers of a recent scam that targets unsuspecting grandparents. Before you transfer or wire money to family, friends or businesses, please read this alert from the FTC.
Fraudulent Emails Claiming to be from FDIC
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of fraudulent e-mails that have the appearance of being from the FDIC.
The e-mails appear to be sent from various “@fdic.gov” e-mail addresses, such as “subscriptions@fdic.gov,” “alert@fdic.gov,” or “accounts@fdic.gov.” They have subject lines that read: “FDIC: Your business account” or “FDIC: About Your Business Account.” More information may be found on the FDIC Website.
Rejected ACH Transaction Phish E-mail
Please be aware of a continued e-mail scam effort targeted at ACH users. The e-mail indicates a payment was rejected by the Electronic Payments Association and encourages the recipient to click a link. Please DO NOT click the link, and notify us immediately if you believe you or someone in your business has.
Work at Home Scams
The United States Secret Service, the Federal Bureau of Investigation, the Internet Crime Complaint Center (IC3) and the Financial Services Information Sharing and Analysis Center (FS-ISAC) advisory related to Work at Home scams. Learn more about Work at Home scams.
Advance-Fee Schemes
Don't be fooled by Advance-Fee Schemes!
Cell Phone Text Messages re: Credit Card Deactivation
We have been alerted to ongoing fraudulent texts with the following or similar content:
Alert: "Your card starting with 4470 has been DEACTIVATED. Please contact us at 920.968.8749 to REACTIVATE your CARD."
This is not a legitimate communication. Please do not reply to the message or call the number. As always, please use a phone number that you know is for National Exchange Bank & Trust when contacting us.
Prevention Tools
While National Exchange Bank & Trust uses a variety of software and industry-related tools to combat fraud, the most important prevention tool is customer vigilance.
- Current anti-virus software with the most updated definitions and frequent system scans
is required. - Updated anti-spyware is necessary.
- Strong passwords, that are not shared, is a vital component to protecting your information.
Helpful Fraud Information
- Protect Your Pocketbook - Tips to Avoid Financial Exploitation
- Avoid getting hooked by a "phishing scam."
- Don't let bad things happen to your good name. Watch out for identity theft.
- Resources from the Federal Government for combating identity theft.
- Security tips from the National Cyber Security Alliance.
- Find frequently asked questions about credit fraud.
- Identifying, reporting and avoiding fraud.
- The FTC: Your national resource to identity theft.
- FDIC Identity Theft and Fraud
- FBI Scam Safety Site
- How Not to Get Hooked (Federal Trade Commission)
- How to be a Safe Internet User
- When Bad Things Happen to your Good Name (Federal Trade Commission)
- Government Resources for Combating Identity Theft
- Federal Trade Commission | Fraud Line: 877-IDTHEFT (877-438-4338)
Credit Bureaus
- Equifax - Fraud Line: 800-525-6285
- Experian - Fraud Line: 888-397-3742
- Trans Union - Fraud Line: 800-680-7289
Fraud FAQs
What is an e-mail scam (Phishing)?
Criminals are soliciting wide bands of consumers via e-mail in an effort to illegally obtain personal information in a process called “Phishing.”
The e-mail address and the Web site address may appear almost identical to those of legitimate financial institutions. The e-mail will claim that there is a problem with an account and will provide a link to a site that may look authentic. You will be asked to input personal information such as bank account numbers, PINs and a Social Security Number. These e-mails attempt to trick customers into supplying sensitive personal data.
IMPORTANT: If you receive an e-mail requesting personal information, you should not provide it or click on a link - even if it looks like the request comes from a legitimate Web site.
What is Smishing?
Smishing is similar to Phishing but criminals attempt to garner information via text messages on mobile phones. National Exchange Bank & Trust does not initiate information gathering via text messages.
Why do you ask so many questions when I do a large cash transaction or wire transfer?
Due to the proliferation of scams perpetrated through unknowing bank customers, National Exchange Bank & Trust takes great care in trying to identify potential scams. Transactions that are frequently used to commit fraud receive an even greater scrutiny in order to protect you. Remember, ultimately, the customer depositing an item is responsible for the “goodness” of the item.
