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Fraud Information

Suspected fraud or identify theft on your accounts

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.

For existing active fraud cases, please call toll free 855-829-6770.

Credit reports / bureaus

Request your free annual credit report.

Equifax

Experian

Trans Union

Wire and large cash transaction fraud

Due to the proliferation of scams perpetrated through unknowing bank customers, National Exchange Bank & Trust takes great care in trying to identify potential scams. This means we may ask additional questions when you want to do a large cash transaction or wire transfer that is not common for you. Transactions that are frequently used to commit fraud receive an even greater scrutiny to protect you. Remember, ultimately, the customer depositing an item is responsible for the “goodness” of the item.

Recent Fraud Alerts

Home Buying Wire Fraud

Fraudsters are sitting on email servers, watching traffic and patiently waiting for the right opportunity to intercept and redirect wire information from and to unsuspecting home buyers and title companies wiring money as it relates to home purchases. All wire destination information received via email should be verbally confirmed with a known number to an individual home sellers and buyers have personally met.

Frank on Fraud - Home Closing Wire Fraud

Wire Fraud Timeline

Tech Support Scams

Pop-ups on personal computers and phone calls informing computer owners, often in a threatening way, that they need to protect their computers, continues to create victims. Don't believe this doesn't happen here. National Exchange Bank & Trust community members are currently the victim of these fraudulent companies. They have legitimate sounding business names and often are able to use first names. Should you receive a solicitation for computer protection or a call that your computer is infected, do not respond. Reach out to local service providers for your computer repair or protection needs.

Should someone threaten you or claim they have control of your bank account, please get in touch with your bank and local police.

FTC Article Regarding Tech-Support Traps

Caller ID Spoofing

Don't trust the Caller ID! Scammers are frequently spoofing the names of Financial Institutions in an attempt to extract account information from the victim. Both the name of the caller and the number are being "faked" to appear to be a trusted financial institution calling. In addition, if the caller is asking you to say "yes" (a version of the "Can you hear me?" scam) or is asking for account information, please request the caller's name, ask to return the call and call back at a trusted number.

Loan Direct Mail Using Our Name

Required legal filings in regards to mortgage documentation aligns consumers with their lender in public records. Criminals are using this data to send direct mail to consumers with implied content that the bank is sending the materials. Please always use phone numbers published in directories, on our website or on your official, original loan documentation or bills to contact us regarding your account.

Elder Abuse

Elder abuse can be in the form of financial, emotional, physical or even sexual abuse. Seniors are urged to make the right decision about who they make a joint-account holder for an elderly person. Wisconsin Attorney General Brad Schimel has launched an elder abuse awareness campaign. Suspected elder abuse can be reported to the AG’s Medicaid Fraud and Elder Abuse Hotline at 1-800-448-3780.

Wisconsin Department of Justice Elder Abuse Unit

Ongoing Scams

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. Please consider the following suggestions for online safety and being diligent in identifying Spam and Phishing.

  • National Exchange Bank & Trust staff members will not ask you for your account number, online banking User ID, password, PIN or text code received for authentication. If someone is asking you for this information, it should be red flag that you most likely are talking to a fraudster.
  • Use National Exchange Bank services that provide timely transactional information:
    • SecurLOCK Equip - card controls for consumer debit cards
    • Exchange OnLine - internet banking via your PC or mobile app including text and email alerts
    • ezCard - robust credit card website
    • eStatements - electronic statements eliminate the opportunity for statements to be stolen out of your mail box
  • Do not follow unsolicited web links in email or respond to unverified callers with information about your place of employment. The United States Computer Emergency Readiness Team (US-CERT) has more information on social engineering and phishing attacks in Security Tip ST04-014.
  • Use caution when opening email attachments.
  • Follow safe practices when using your PC and browsing the web. See Good Security Habits and Safeguarding Your Data from US-CERT for additional details.
  • Keep your operating system and software up-to-date with the latest patches.
  • 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, are a vital component to protecting your information.
  • You can report phishing by sending an email to phishing-report@us-cert.gov.

External resources

Defining smishing

Smishing is like 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.

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.

Compromised, lost or stolen cards

To report a compromised, lost or stolen card during normal business hours, please call the bank at 877-921-7700.

To report a compromised, lost or stolen card after normal business hours:

(These numbers are also located on the back of your card.)

Please note that National Exchange Bank & Trust does not offer special promotions via our credit card toll-free number. If you are presented an offer upon dialing the number above, please hang up and call again. You may have misdialed. If you gave out any information to take advantage of a promotion when dialing a number above, please contact us immediately.

Report employee suspicious activity

The successful business operation and reputation of National Exchange Bank & Trust is built upon the principles of fair dealing and ethical conduct of our employees. Our reputation for integrity and trust requires careful observation of the spirit and letter of all applicable laws and regulations as well as scrupulous regard for the highest standards of conduct and personal integrity.

If you have concerns about potential misconduct by an employee, you may confidentially report it by calling (920) 906-6944.

Examples include: giving or receiving of bribes or unlawful gifts, theft or misuse of funds, confidentiality breeches, conflicts of interest or discrimination. Calls to this number go directly to a voicemail. If the caller desires, anonymity will be maintained to the extent possible. In the event of an anonymous complaint, a certain level of specificity will be required to enable an investigation. Providing your name may significantly improve the identification and investigation.

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