Consumer Alerts

The Stephenson National Bank & Trust feels that it is important to alert the community to scams and fraudulent activity. Awareness is the key to avoiding being victimized by these types of crimes.

Any legitimate financial institution will NEVER ask you to verify your personal account information. Remember, keep any your personal information such as PIN, Credit or Debit Card number, and Social Security number in a safe location.


Tips Regarding Target Data Breach - SNBT is working with our card processors to see if any of our customers' cards were compromised, If you shopped at a Target Store between Nov. 27 and Dec. 15 you could be at risk. Target is offering advice and answers to common questions.


How to Keep Personal Information Safe

Personal information that you should never release in a conversation that you did not initiate includes… 

1. Bank Account Numbers
2. Credit or Debit Card Numbers
3. Personal Identification Number (PIN)
4. Social Security Numbers
5. Bank Online Access ID or Password

If you receive a call asking for you to provide this information - DO NOT give it out!

Feel safe knowing your ATM & Debit Card transactions are monitored by Fraud Detective Click Here to learn more.

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Informational Articles

Five Steps to Take if Your Identity is Stolen - While prevention is the best solution, you need to know what to do if you become a victim of identity theft. Here are five steps to take immediately if you think your identity has been stolen. More...

Financial Elder Abuse - Learn the signs of financial elder abuse so you know what to watch for if you suspect a senior citizen is being exploited to gain access to their property, investments, cash, or real estate. More...

Cybercrime Alert! Learn More About Keylogging
Keylogging software allows cybercrooks the ability to see what you type, for instance your access ID or password. According to the Center for Strategic and International Studies, cybercrime creates a $100 billion annual loss to the U.S. economy. More...

We have received reports of customers receiving calls claiming to be from SNBT. The fraudulent caller asks to verify a check and asks for the customer's checking account number. This is a SCAM. Do not give out your bank account number to anyone, unless you initiate the call. Any legitimate financial institution will have your correct account number on file and will not need you to verify that information. Read more reports of Recent Fraudulent Activity in our Community.

SCAMS come in a variety of forms and try to mimic trustworthy sources. Lately fraudsters have sent e-mails pretending to be from Walmart.com or Amazon.com to name a few. Do not click on any links, in fact DO NOT even open them. For more details, read our article: SPAM e-mail look real... be cautious


Security Tips to Protect Yourse
lf Online

Please Note that you should always be alert for suspicious e-mails...
  • That contain unfamiliar links or attachments
  • Are unsolicited and from an unknown sender
  • Are sent multiple times from different senders
  • Contain poor grammar or incorrectly spelled words
  • Are from one of your contacts but only contain a mysterious link
If you receive such an e-mail, delete it immediately. Never open it, never click on its links, never open its attachments, and never reply or forward it. The e-mail may contain malicious software (malware), which may request or capture your user name and passwords, personal financial information, or disrupt/damage your computer.


Consumer Fraud Information

Identity Theft is a generic term that covers a number of possible loss situations including purse/wallet snatch, mail theft, insider sources, imposters, spyware, phishing scams, account takeover (using account information to commit a fraud), full-blown identity theft (an imposter obtains personal information about the victim and “takes over” their identity in another location, normally another state), and data compromise.

Check fraud is where consumers are tricked into depositing counterfeit cashier’s checks and money orders with instructions to send funds back to someone, either the remitter or another person involved with the scam. When the check is returned to the bank as counterfeit, the consumer is legally responsible for restitution.

Education is the best way to protect you from these types of thefts. Arm yourself with as much information and knowledge about what avenues these thieves are taking to get your money or your identity. Many government agencies websites provide information on various frauds and identity theft; they also provide instructions on what to do if you’ve been victimized.


Articles and Tips:

Taking Charge - What To Do If Your Identity Is Stolen a 68-page comprehensive resource guide from the Federal Trade Commission

Be On Guard Against Texting Scams

ATM Skimming

You Have the Power to Stop Identity Theft

Potential Scams Target Holiday Shoppers

Tips to Protect Your Identity

Fraudulent Telephone Schemes

Sweepstakes Scams

Identity Theft & Fraud

Vishing

Phishing


Suggested websites are:

www.idtheft.gov  Resources from the government

www.staysafeonline.org Powered by the National Cyber Security Alliance

www.annualcreditreport.com Obtain your free credit report

www.creditkarma.com Access to all of your financial information in one location - FREE!

www.lookstoogoodtobetrue.com FBI & US Postal Inspection Service

www.debitsavvy.org Resource for responsible debit card use

www.fdic.gov/consumers Federal Deposit Insurance Corp (FDIC)

www.ftc.gov/consumer Federal Trade Commission (FTC)

http://www.privacy.wi.gov/ WI Office of Privacy Protection

http://www.ic3.gov/ Internet Crime Complaint Center

www.onguardonline.gov/ Federal Trade Commission, Homeland Security, Office of Justice Programs, US Postal Inspection, Dept of Commerce, Securities & Exchange Commission