Fraud Information

Contents

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

Funds Under Control of the Federal Reserve Bank

Fictitious correspondence, allegedly issued by the Office of the Comptroller of the Currency (OCC) regarding funds purportedly under the control of the OCC, “Federal Reserve Bank,” and possibly other government entities, is in circulation. Correspondence may be distributed via e-mail, fax, or postal mail.

Any document claiming that the OCC is involved in holding any funds for the benefit of any individual or entity is fraudulent. The OCC does not participate in the transfer of funds for, or on behalf of, individuals, business enterprises, or governmental entities. More Information.

The Heartbleed Bug - OpenSSL Software Vulnerability

A vulnerability in OpenSSL was recently identified that created the potential for access to information submitted to secure Internet sites. National Exchange Bank & Trust Internet Banking solutions do not leverage OpenSSL. However, if you use the same Username and Password for any National Exchange Bank & Trust service on other sites that use OpenSSL for Internet Security, it is strongly encouraged that you change your Username and Password. Additionally, as an on-going practice, your Username and Password for each banking service should not be replicated on any site.

IRS Taxpayer Advocate Service (April 2014)

The Internal Revenue Service is warning consumers to be on the lookout for a new email phishing scam. The emails appear to be from the IRS Taxpayer Advocate Service and include a bogus case number.

The fake emails may include the following message: “Your reported 2013 income is flagged for review due to a document processing error. Your case has been forwarded to the Taxpayer Advocate Service for resolution assistance. To avoid delays processing your 2013 filing contact the Taxpayer Advocate Service for resolution assistance.”

Recipients are directed to click on links that supposedly provide information about the "advocate" assigned to their case or that let them "review reported income." The links lead to web pages that solicit personal information.

Taxpayers who get these messages should not respond to the email or click on the links. Instead, they should forward the scam emails to the IRS at phishing@irs.gov. For more information, visit the IRS's Report Phishing web page.

The Taxpayer Advocate Service is a legitimate IRS organization that helps taxpayers resolve federal tax issues that have not been resolved through the normal IRS channels. The IRS, including TAS, does not initiate contact with taxpayers by email, texting or any social media.

Microsoft Tech Support Scams

Cybercriminals don't just send fraudulent email messages and set up fake websites. They might also call you on the telephone and claim to be from Microsoft. They might offer to help solve your computer problems or sell you a software license. Once they have access to your computer, they can do a number of harmful things. Please never give out information to unsolicited callers. The Microsoft® website provides more information on these types of scams.

Mobile Texts Requesting PIN Information (Oct. 2013)

We received notification that some mobile phone users are receiving texts claiming to be from Visa USA Cardholder Services. THIS IS A SCAM. Please never give out your PIN number to anyone requesting it. Additionally, please do not respond to numbers that you are not familiar with.

Text details: The callers are asked to activate their debit cards for nationwide PIN-based transactions by calling a toll-free number. Callers are asked to enter in the full card number, expiration date, CVV code & PIN number. Once that is entered the automated system indicates your card is activated for PIN-based transactions. 

VISA Security and Fraud Dept. Imposters

If you receive a call claiming to be the Visa or MasterCard fraud department, please think twice before giving any card information. Never give out card information when you did not initiate the call.  Learn more.

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

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.

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