Fraud

Current Fraud Alerts
E-Mail Fraud
Corporate Fraud
Other Information
Contact Information

Current Fraud Alerts

Text re: Credit Card Deactiviation (04/08/2010)

We have been alerted to recent fraudulent texts with the following content:
"Fox CU 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 nor call the number. As always, please use a phone number that you know is for National Exchange Bank & Trust when contacting us.

Phishing Alert from NACHA (11/12/2009)

Random individuals and/or companies may have received a falsified e-mail with the subject title “Rejected ACH Transaction.” This e-mail appears to be from NACHA – The Electronic Payments Association telling them that there is a problem with an ACH transaction they have originated.

The e-mail includes a link which redirects the individual to a fake web page which appears like the NACHA website and contains a link which is almost certainly an executable virus with malware.

This e-mail did not originate from NACHA, the website is not that of NACHA’s, and DO NOT CLICK ON THE LINK.

= = = = = Sample E-mail = = = = = =
From: nacha.org [mailto:report@nacha.org]
Sent: Thursday, November 12, 2009 10:25 AM
To: Doe, John
Subject: Rejected ACH transaction, please review the transaction report

Dear bank account holder,

The ACH transaction, recently initiated from your bank account, was rejected by the Electronic Payments Association. Please review the transaction report by clicking the link below:

Unauthorized ACH Transaction Report (this is the how the link is presented)

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Copyright ©2009 by NACHA - The Electronic Payments Association

E-Mail Fraud

What is an e-mail scam?

Criminals are soliciting customers by e-mail in an effort to illegally obtain personal information. 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. This fraudulent practice is often called "phishing" or "spoofing". Contact your real financial institution's Web site or call them directly.

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.

Below is a sample phishing e-mail recently sent to another bank's customers:

Subject: Found error! Please resubmit ABC Bank
Security Key: dlruzfujrkszkq45j634bs7muof

Dear Customer: During our regular update and verification of the Internet Banking Accounts, we could not verify your current information. Either your information has been changed or incomplete, as a result your access to use our services has been limited. Please update your information. To update your account information and start using our services please click on the link below: http://www.bankabc.com.

Note: Requests for information will be initiated by ABCBank Business Development; this process cannot be externally requested through Customer Support.

Sincerely, ABC Bank Accounts Department

Corporate Fraud

More frequently, business entities have been the victims of malware (malicious software) unknowingly being installed on the computers of the businesses. This allows thieves to spy on the business while authorized users enter usernames and passwords into the computer. Later, that stolen information is used to log in and transmit unauthorized ACH payments, resulting in the funds being a loss for the business.

To aid in protecting your accounts, please review the resources below.

Business Internet Banking Fraud Prevention
Online Transaction Precautions
Keylogging – excerpts from a NACHA Publication

Other Information

How Not to Get Hooked
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt127.shtm

How to be a Safe Internet User
http://www.antiphishing.org/consumer_recs.html

When Bad things Happen to your Good Name
http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.shtm

Government Resources for Combating Identity Theft
http://www.idtheft.gov/

Security tips from the national security alliance
http://www.staysafeonline.info/

Contact Information

Who should I contact if I suspect suspicious activity or communication?
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.

Other Important Contact Information.

Equifax
Fraud Line: 800.525.6285

Experian
Fraud Line: 888.397.3742

Trans Union
Fraud Line: 800.680.7289

Federal Trade Commission
Fraud Line: 877.IDTHEFT