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Coronavirus Update

We continue to highly recommend that our customers choose limited contact banking solutions such as the drive-ups, after-hours depositories, ATMs, and all digital banking tools. Face coverings are required in our offices, effective August 1.

Please visit our COVID-19 page for details.

Fraud Information

Business Fraud Mitigation & Resources

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.

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

Beware of Fraud - COVID 19

Unfortunately, in addition to times like this bringing out the best in people, it also brings out fraudsters. Please be extra cautious in clicking links or responding to inquiries that you did not initiate.  Imposter, Investment and Product Scams will escalate in this environment. Please do NOT let people in your home who are not scheduled to be there no matter how urgent they claim their needs are. Please also do not be shy in talking about these potentials with your family members, and review the following for more information.

Social Media Fraud

Whether it is participating in a survey, chain letters or hidden URLs, social media is a hot bed for potential fraud. Visit this article by Norton for the Top 5 Social Media Scams.

People Losing on Winning

Sweepstakes fraud is increasing again. While it never went away, individuals in higher numbers are again losing money to fraudulent checks they are receiving as a result of winning a contest or sweepstakes. Criminals are counting the excitement of you winning big to help them win big. Read more in this article which helps outline what to do and what not to do when you think you have won some money.

Check Washing Continues to be a Challenge to Businesses

Area businesses continue to be challenged by a form of check fraud called Check Washing. Checks are stolen from mailboxes, and criminals change the payee and often dollar amount. They then hire "mules" with picture IDs to try and cash the check at the business's financial institution.  National Exchange Bank & Trust business customers are encouraged to pro-actively set up Positive Pay and use High Security Pens as tools in preventing this type of fraud.

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.

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 for account information, personal information (including payments you make or deposits you receive), insurance information or any information related to your account transactions, 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 and Adult-at Risk Abuse

Abuse can be in the form of financial, emotional, physical or even sexual abuse. People looking for additional financial support are urged to make the right decision about who they make a joint account holder.

Ongoing Scams

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

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.

Do Not Disclose Your Personal Information.

  • 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 with real-time activity notifications

  • Exchange OnLine - digital banking including text and email alerts that alert you as potentially unauthorized transactions occur.

  • eZCard - robust credit card website

  • eStatements - electronic statements eliminate the opportunity for statements to be stolen out of your mail box

Practice Digital Safety.

  • Do not follow unsolicited web links in email.

  • Use caution when opening email attachments.

  • Follow safe practices when using your electronic devices and browsing the web. See Good Security Habits and Safeguarding Your Data from US-CERT for additional details.

  • Keep your operating system, software and apps 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.

  • Report phishing by sending an email to phishing-report@us-cert.gov.

External resources

Defining phishing

Identity thieves like to go “phishing” — pronounced “fishing” — on the Internet for consumers’ personal financial information using fake emails and websites to trick people into providing Social Security numbers, bank account numbers and other valuable details.

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.

Business Fraud Mitigation and Resources

Security Check: Business electronic Banking best practices.

Scams and Your Small Business: Federal Trade Commission resources for protecting your business

Email Security Red Flags: Watch for these seven red flags

NACHA

Business Email Compromise (BEC) information:

Corporate Account Takeover

  • Corporate Account Takeover Overview: 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 Corporate Account Takeover.

  • Warning Signs of Corporate Account Takeover: a summary document with information provided PAR (Payment Advisory Resource).

Cybersecurity

 

Please visit our Fraud Mitigation page for more information on tools for businesses.

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 breaches, 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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