The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of a fraudulent e-mail that has the appearance of being sent from the FDIC. For more information you can visit the FDICs website.
The subject line of the e-mails state, “you need to check your Bank Deposit Insurance Coverage.” The e-mail tells recipients that, “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 then directs recipients to click on a link stating, “You need to visit the official FDIC website and perform the following steps to check your Deposit Insurance Coverage.”
This e-mail and associated Web site are fraudulent. Recipients should consider the intent of this e-mail as an attempt to collect personal or confidential information, or to load malicious software onto end users’ computers and should not click on the link provided.
The FDIC does not issue unsolicited e-mails to consumers. Financial institutions and consumers should NOT follow the link in the fraudulent e-mail.
Criminals often use names of organizations we all know to lure users into clicking links that may infect their computer. Users should always ask themselves if an email makes sense. If not, never click links or open attachments in the email. If suspicious, contact the agency directly to verify legitimacy.
US-CERT asks users to be vigilant during the U.S. Census Bureau’s 2010 Census campaign and to watch for potential census scams.
According to the U.S. Census 2010 website, they began delivery of the printed census forms to every resident in the United States on March 1, 2010. The only way to complete the census is by filling in the form using pen and ink; in some instances, census takers will be visiting households to complete the form face-to-face. It is important to understand that the U.S. Census Bureau will not, under any circumstances, be providing an online option to complete the 2010 census form.
US-CERT encourages all residents in the United States to take the following measures to protect themselves:
WASHINGTON, Jan. 26 – The American Bankers Association has been alerted that someone or a group of individuals sending emails purporting to be from ABA are actually part of a scam commonly known as phishing. These con artists are sending emails asking people to click on a link for more information — a popular technique to get financial information from the email recipient.
Phishing for financial information has been a long-standing practice. However, criminals are increasingly phishing for access to corporate, small business and government accounts and using that access to withdraw large sums of money from those accounts. Clicking on the link could enable fraudsters to download malicious software on to victims’ computers and steal bank passwords and other account information.
The emails inform recipients that an “unauthorized transaction” has been charged to their account using their “bank card.” The amount of the transactions is typically between $3,000 and $7,000. ABA would never contact a consumer and ask for financial information.
ABA is working with law enforcement to identify the source of the emails and to disrupt them. ABA offers the following advice to consumers, business and government organizations:
- Never give out financial information in response to an unsolicited phone call, fax or email, no matter how official it may seem. If you are uncertain, call your financial institution or the organization that is purportedly contacting you using a phone number you know is safe.
- If you have already responded to this type of call or email by providing financial information, contact your financial institution immediately to protect your account;
- Be extremely cautious about clicking on links within unsolicited emails. When in doubt, contact the organization purportedly sending the email.
- Inform the ABA about fraudulent phone calls and emails that use ABA’s name by sending an email to firstname.lastname@example.org.
All this talk about the environment and global warming has me thinking about my part in the play called life. What do I do to “Go Green”? Am I really making that much of an impact? How can I do better?
The answer to the first question? I recycle – some. Have you ever tried to sort recyclables in an apartment that doesn’t really have space for a trash can? This is my life. It also pains me to admit that I sometimes grab a new water bottle from the fridge instead of refilling my aluminum bottle that sits on my desk. The coffee table is a good recycle bin for magazines. When the pile is tall enough that it starts to block my view of the TV I load up a sack and haul it all away. I try to do the same with cardboard boxes, but that is easier said than done. First, you flatten them, then struggle to keep them flat, and finally find somewhere to stack them. It all comes down to one BIG PAIN.
The answer to the second question isn’t easily found. I often ask myself how one person could alter the fate of the world by deciding to recycle. At first it seems impossible, but by doing lots of thinking I’ve come to this conclusion. If I recycle and I make a big-ridiculous deal out of it, then 5 of my friends will feel guilty enough to start recycling in their homes. The goal in the end is for people everywhere to recycle, right? If everyone tried to outdo a friend, then ultimately we would impact not only the environment, but the lives of everyone around us. Screwed up as it sounds, it works.
So… ideas for improvement? One super-easy option is to sign up for E-Statements. You might ask how one piece of mail will help in the grand scheme of things. Look at it like this: if you can eliminate at least two pieces of paper for each account (checking and savings) once a month, for a year, then you cut approximately 48 pieces of paper and 24 envelopes from your yearly usage. It may not seem like a lot, but for a pack-rat like me it makes a huge difference. With E-statements I simply file the statement away by date in an electronic folder on my computer. I can easily find them and if I ever truly need to print one out I can do so without a problem.*
Now… where did I put that aluminum water bottle – time to fill it up again…
*If you’re going to store your statements on your computer it’s a smart idea to back up your files on an external hard drive or other storage device. It’s devastating to lose everything when the computer crashes… trust me.
We have been notified of a scam in which customers and non customers are receiving emails indicating their Online Services have been suspended. The email then instructs the customer to click on a link which it states takes them straight to a site to reactive their account. This link is not a valid link and it actually directs you to a fraudulent site. You are advised not to provide personal information. If you have any questions feel free to contact our customer service department at 1-888-262-5456.
Here is a copy of the email customers are receiving.
From: Central National Bank [mailto:Onlinesecurity@centralnational.com]
Sent: Thursday, June 04, 2009 8:05 AM
Subject: Access Suspended
Our Value Customer,
Your access to Online Services has been suspended. Due to a miss-match access code between your Security information. To enable you continue accessing your online account it will only take you few minutes to re-activate your account. Click on the link below and you will be taken straight to where you can activate your account.
Important Notice:- You are strictly advised to match your details correctly to avoid service denial.
CNB Online Banking Customer Services
The Topeka branches hosted “Central Secret Agent Savers Training” on Saturday at the downtown bank location. The bank partnered with Big Brothers Big Sisters to plan the event, and the day was a great success. “We had eight kids attend,” said manager, Candis Meerpohl. “I think our turnout was definitely affected by graduation, but we are eager to do it again in six months.” The kids started the day with juice and doughnuts, and then went on a bank tour. After the tour, it was explained that the kids needed to complete three missions to become agents:
Mission #1 Make their alias. They picked their secret agent names and made masks to hide their identity from Mr. Splurge.
Mission #2 Learn about saving money! This was a classroom-type event where we explained that when we get little bits of money we can save it and end up with a large amount of money. We also explained earning interest on money and making savings goals.
Mission#3 Human Board Game This mission was designed so that the kids could use what they learned in their class and put it to use. The kids were the board game pieces and picked clues that said either a good money decision or a bad money decision to try and get around the board.
“I’m happy to say we graduated all eight agents that came!” said Meerpohl. All of the kids had a great day, and a BBBS representative who attended was very impressed with the program and the account.
Central National Bank celebrated the first day of business at their newest branch location with a ribbon cutting and open house this morning. The new branch is located at the corner of Ash Street and Highway 77 in Junction City, and is the sixth Central National Bank location in Junction City.
“Central National Bank has always been very involved in this community, and we congratulate them on their continued growth and the opening of this beautiful new facility today,” said Terry Heldstab, Junction City mayor.
Central National Bank’s newest facility includes state-of-the-art technology. The branch offers full service banking, extended drive-up hours from 7 am to 6 pm, in-branch televisions for news and bank information, and a Smart ATM, which is available 24 hours per day and accepts cash or check deposits and sells stamps. Branch manager Dennis Proietti and his staff are ready to serve customers at the new location.
“All of the employees at this branch are trained to help customers with a variety of needs, from teller processes to opening accounts or CDs to making loans,” said Proietti. “We are really excited to be open for business and look forward to serving all of you.”
Central National Bank was founded in Junction City in 1884, and this year marks the bank’s 125th anniversary.
“This is a very special anniversary year for us, and as of October 1 we will have operated here in Junction City for 125 years,” said Robert Munson, President. “We have various signs you will notice that say ‘We Love Where We Live’, and that is very true for all of us. We are so proud of our roots and our continued growth here in Junction City.”
It’s hard for me to remember my first day that I started at the bank. I know I took a lot of tests to get familiar with regulations and procedures. I learned my responsibilities as a teller and where to direct people as they came in the building.
But one thing that took me weeks to figure out was all of the acronyms! People that work in banks talk in letters sometime. Sample sentence you could hear in any financial institution.
-“Excuse me sir did you want your APY or your APR on your CD?”
-“I would love to open your account; I just need to do an OFAC check.”
-“Just let me get you a form that can change your POD on your IRA.”
- “Here is your balance taking into account your ACH credit and the ATM withdrawal.”
See what I mean!!! So please by all means you do not hurt your bankers’ feelings at all if you ask what an acronym stands for. We try very hard to stop the technical bank talk when explaining things to customers, but every good banker slips now and then.
If you find yourself in an alphabet soup of a conversation at your local bank just smile and ask your representative for your copy of the banking glossary!
If you have been on the fence about buying a house, like me, the government is offering some incentive to get out and buy. If you are a first-time home buyer and purchase a home anytime in 2009 before the end of November, you may be eligible for an $8,000 tax credit! A first-time home buyer is defined as someone who has not owned a home during the past three years. The best thing about this program is that it is a CREDIT–you don’t have to pay it back!
There are plenty of ways you can put the credit to use. While you don’t get the credit right away to use as part of your down-payment, you can save it and use to help pay your monthly mortgage. This can help if you want to buy a home that is priced a little higher than you want to spend.
You can use the eight thousand to buy new furniture and appliances for your home. I’ve been using the same hand-me-down items for the last several years and am looking forward to having something nice for my new home. Who knows, I may even use a little of the credit on a fun vacation and do my part to help stimulate the economy.
For more information on the First-Time Home Buyer Tax Credit go to