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Fraud Prevention

FMB Bank is committed to informing customers of local scams and Internet fraud. Below you’ll find information about the latest schemes and ways to avoid becoming a victim.

If you can say "yes" to any of the following, you could be a victim of a scam!

Ask your Customer Service Representative about Identity Secure. For more information on fraud prevention you can visit the Federal Trade Commission and the  Internet Crime Complaint Center.

Phishing

What is it?

Phishing is a form of criminal activity where individuals pose as legitimate entities to try to obtain or "fish" for personal information.

How Does it Work?

Individuals masquerade as legitimate companies and send what looks to be an official email, instant message, or fax requesting you "update" or "verify" credit card numbers, bank account information, Social Security numbers, passwords, and any other sensitive information. Most recent attempts are targeting account holders. They will try to establish what financial institution you are affiliated with and send an official looking email from your bank to get account information.

Pharming

What is it?

Pharming is a criminal activity where a website's information is acquired and traffic on that website is directed to another location in order to obtain personal information.

How Does it Work?

If an individual wants to obtain information illegally they will set up a fraudulent website that looks like the real web site in almost every aspect. They will then use "phishing" tactics to entice people to the website to divulge personal information such as pin numbers, account numbers and passwords.
Please Note: FMB Bank will NEVER send an unsolicited email requesting you to verify your personal information.

How Can I Protect Myself?

Identity Theft

What is it?

It is the act of using someone's personal information illegally and without their knowledge to obtain bank accounts, credit cards or loans. The victim usually does not know this has occurred until they receive a past due or delinquent notice for items that have been purchased in their name.

How Do They Get My Information?

These are just a few of the ways thieves can obtain your information.

What Can I Do to Protect Myself?

If I Become a Victim, What Should I Do?

Internet/Online Fraud

Every consumer should be aware that Internet fraud is on the rise and should take precautions when purchasing or selling on the Internet. In each of the scenarios counterfeit checks are sent and good money is wired out leaving the customer at a loss. These are current examples of the types of scams that are being played out upon unsuspecting people.

Scenario #1

A prospective buyer makes contact via email claiming they want to purchase the item you have for sale such as a car, boat, or motorcycle. You then receive a cashier's check in the mail for more than the asking price of the purchase. The buyer claims he made the check payable for the wrong amount by mistake and asks you to wire the money to someone else. The cashier's check later comes back counterfeit and you are out the difference. Ultimately you wired out good funds off a bad check.

Scenario #2

You receive an email claiming you are the winner of a lottery. The company says you will receive a check in the mail that you are to cash at your bank. The email also includes instructions that you are to take the funds from the check and wire it out to pay for taxes or fees. The check sent to you is counterfeit and you are out the amount of the wire.

Scenario #3

You are searching the Internet for job opportunities when you come upon a website claiming you can work from home by being a "bookkeeper" for this business. The company will send you checks and ask you to cash the checks and you keep a percentage of the money and wire out the rest. The checks that are sent are counterfeit and you are out the amount for the wire.

Scenario #4

A person overseas claims they are inheriting a large sum of money but they are unable to move the money to the United States and needs assistance. They will send you a check, asking you to cash it and wire it back to help the person pay his transfer fee. In exchange you will receive part of the inheritance. The check they send is counterfeit and you are out the amount of the wire.

How Can I Protect Myself?