| Fraudulent Emails Claiming to be from the FDIC | The Federal Deposit Insurance Corporation (FDIC) has become aware of e-mails appearing to be sent from the FDIC that are asking recipients to download and open a “personal FDIC insurance file” to check their deposit insurance coverage. These e-mails are fraudulent and were not sent by the FDIC. The FDIC is attempting to identify the source of the e-mails and disrupt the transmission. |
| Currently, the subject line of the fraudulent e-mails includes the wording “check your Bank Deposit Insurance Coverage.” The e-mails state: “You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.” |
| The e-mail asks recipients to “visit the official FDIC website” by clicking on a hyperlink provided, which appears to be related to the FDIC and directs recipients to a fraudulent Web site. The Web site includes hyperlinks that appear to open forms. However, it is believed that clicking on the hyperlinks will cause an unknown executable file to be downloaded. While the FDIC is working with the United States Computer Emergency Readiness Team (US-CERT) to determine the exact effects of the executable file, recipients should consider the intent of the software as a malicious attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to online banking services or to conduct identity theft. Financial institutions and consumers should NOT access the Web site or download the executable files provided on the Web site. |
| Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC’s Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-3054, Washington, D.C. 20429, or transmitted electronically to
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. Information related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp. |
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Don’t Get “Phished” Internet scams are one of the fastest-growing frauds today. Phishing typically involves a bogus e-mail message that uses legitimate materials, such as company Web site graphics and logos, to try to entice e-mail recipients into providing personal financial details, such as credit card and Social Security numbers. Financial institutions, government agencies, retailers, credit card companies and many other organizations have seen their Web site graphics “borrowed” by fraudsters for official-looking but fake e-mails aimed at tricking you out of personal financial information. Here’s how you can keep your guard up, and help fight back against this form of fraud. How to Protect Yourself - Never respond to an unsolicited e-mail that asks for detailed financial information.
- When submitting financial information to a Web site, look for the padlock or key icon in your browser and make sure the Internet address begins with “https.”
- Check your credit card and bank account statement regularly and report discrepancies immediately.
- Report anything suspicious to the proper authorities. Alert the company or government agency identified in the suspect e-mail through a Web address or telephone number that you know is legitimate.
- Contact the Internet Crime Complaint Center at www.ic3.gov – a partnership between the FBI and the National White Collar Crime Center – if you think you have received a phishing e-mail or have been directed to a “phishy-looking” Web site.
“Stop, Look and Call” The Department of Justice advises e-mail users to “stop, look and call” if they receive a suspicious e-mail. - Stop. Resist the urge to immediately respond to a suspicious e-mail – and to provide the information requested – despite urgent or exaggerated claims.
- Look. Read the text of the e-mail several times and ask yourself why the information requested would really be needed.
- Call. Telephone the organization identified, using a number that you know to be legitimate (taken from a phone book, for example.)
If You’ve Been Phished… If you believe that you have been scammed into providing sensitive financial information, you should: - Immediately contact your financial institution.
- Contact the three major credit bureaus and request that a fraud alert be placed on your credit report: Equifax 1-800-525-6285; Experian 1-888-397-3742; and TransUnion 1-800-680-7289.
- File a complaint with the Federal Trade Commission at www.ftc.gov or 1-877-382-4357, or the Anti-Phishing Work Group at www.antiphishing.org.
Protecting you from unauthorized use of your debit card is one of our top priorities at First National Bank. To mitigate fraud, we have implemented a monitoring system, called Falcon, to help guard your debit card against fraudulent activity. If suspicious activity is detected on your card, you will be contacted by us or a fraud specialist calling on our behalf to verify the transactions in question. How Does Falcon Work? Monitors all card transactions for unusual or suspicious activity Takes into account your normal activities Each transaction is scored based on the likelihood of fraud Depending on the score, once an unusual or suspicious transaction takes place, you will be called and/or the account will have a temporary black put on it until you can be contacted. How Am I Notified? During the notification process, the fraud specialist from Falcon will note that he or she is calling on behalf of First National Bank. The fraud specialist will ask you to validate your identity via a series of qualifying questions that must exactly match the information in our records to successfully authenticate your identity. Please remember that we will NOT ask for your card number of personal identification number (PIN) to verify your identity. Always use caution when providing your card information, and contact us if you suspect your card has been stolen or compromised. If you cannot be reached, Falcon may put a temporary block on your account to prevent further fraudulent activity. What Do I Need to Do? To ensure that we can reach you promptly if fraudulent activity is suspected, we need to have current contact information on file, including: Primary phone number Secondary phone number (mobile phone or work number) Current address City, state and ZIP code It is very important to keep this information current. If your information changes, please contact us immediately. - Call Shazam @ 1-800-383-8000 to report the card lost or stolen. .
- Contact First National Bank via email or call 319-352-1340 (800-369-3629) to cancel your card. If the bank is closed, please leave your name and phone number. A bank representative will return your call as promptly as possible.
- Verify your account transactions with a First National Bank Representative.
- A bank representative will process application for a replacement card. Please advise us of your chosen Personal Identification Number (PIN).
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