Fraud Information
Contents
- Recent Fraud Alerts
- Ongoing Fraud Scams
- Prevention Tools
- Helpful Fraud Information
- Contact Information
- Business Fraud Resources
Recent Fraud Alerts
Phishing for Home Buyer Dollars
The Federal Trade Commission (FTC) warns home buyers of the latest phishing scam to steal home buyer closing funds and bank account information. After obtaining closing details, fraudsters send an email that appears to be from the title company or realtor with illegitimate wiring instructions. Read the FTC article.
Microsoft is not Reaching Out to Help you.
Consumers in our market area continue to be a victim of a caller fraudulently posing as a Microsoft employee calling to assist with computer issues or upgrade software. If you did not place the call, resist the urge to give anyone on the phone information regarding your computer or personal information.
A message from Microsoft.
Don't get Taxed with an IRS Scam
The IRS continues to warn consumers to guard against scam phone calls from thieves intent on stealing their money or their identity. Criminals pose as the IRS to trick victims out of their money or personal information. Scammers make unsolicited calls, try to scare victims, use caller ID spoofing and try new tricks all the time that have cost victims more than $23 million dollars since October 13.
IRS Scam Getting Worse in Wisconsin
IRS Urges Public to Stay Alert for Scam Phone Calls
Five Easy Ways to Spot a Scam Phone Call
Ongoing Fraud Scams
Fraudulent Cashier's Checks | Fake Checks Can Cost You (FTC)
Funds Under Control of the Federal Reserve Bank | OCC News
IRS Phone and Email Scams | IRS's Report Phishing web page
Microsoft Tech Support Scams | Microsoft® Safety & Security Center
VISA Security and Fraud Dept. Imposters | WI Crime Prevention Practitioners Association
Family Emergency & Grandparents Scam | FTC Alert
Sweetheart Swindle | When Your Online Romance Requests Cash
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 regarding online safety and being diligent in identifying Spam and Phishing.
- 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.
Helpful Fraud Information
External Resources
- Pass it On - Most likely someone you know has been scammed | FTC Campaign
- Common Fraud Schemes - FBI
- Internet Crime Complaint Center (IC3)
- Protect Your Pocketbook - Tips to Avoid Financial Exploitation
- Avoid getting hooked by a "phishing scam" - by the FTC
- Stay Safe Online - Security tips from the National Cyber Security Alliance
- Find frequently asked questions about credit fraud from Experian
- Credit Education and Identity Theft - advice from TransUnion
- The FTC: Your national resource for identity theft [Fraud Line: 877-IDTHEFT (877-438-4338)]
- FDIC Identity Theft and Fraud
- FBI Scam Safety Site
- How to be a Safe Internet User - APWG
Defining 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.
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 in order to protect you. Remember, ultimately, the customer depositing an item is responsible for the “goodness” of the item.
Credit Reports & Credit Bureaus
Request your free annual credit report.
- Equifax - Fraud Line: 800-525-6285
Equifax credit freeze information - Experian - Fraud Line: 888-397-3742
Experian credit freeze information - Trans Union - Fraud Line: 800-680-7289
Trans Union credit freeze information
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
CheckCards, Health Savings Account Debit Cards and ATM Cards - 800-236-2442
Credit Cards - 800-221-5920
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.
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.
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, conflicts of interest or discrimination. Calls to this number go directly to a voice mail. 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.
