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Fraud Alerts

First National Bank Bemidji recognizes that there are many scams and cons that could potentially impact our customers or members of the Bemidji community. We will use this area of our website to help you recognize potential scams. One of the most prevalent scams involves people receiving checks with directions to deposit or cash them and then to wire a large portion of the check to a specified address or bank account. Click here for more information on FAKE CHECK SCAMS. 

If you receive a check that seems too good to be true - it most likely is. Bring the check in question to First National Bank Bemidji, and we will work with you to be sure you are not a victim of a scam that could cost you some of your hard earned money. 

There are many other scams that could make you a victim. The Federal Reserve Board has created a list of 5 Tips for Protecting Your Checking Account which will help you identify possible scams and provide suggestions to safeguard your checking account. Please call us at 751-2430 if you have questions concerning your checking account. 

Information about a text message scam information from December 2013

First National Bank Bemidji was aware of a scam that was perpetrated in our community utilizing texting in December 2013.  The text indicated that your card had been temporarily deactivated and customers were asked to call the listed phone number. If you receive text messages, emails or phone calls asking you to call, please do not call the number, these efforts are scamsLocal law enforcement was aware of the scam and has been working on this situation.

Beware of phishing emails, texting or emails. These contacts appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links. First National Bank Bemidji will never contact you by phone, texts, or email to ask you for your account numbers, PIN numbers or any confidential information. First National Bank Bemidji only asks for confidential information to verify your identity when you initiate contact with us

The Minnesota Fraud Enforcement Partnership

The MBA (Minnesota Bankers Association) and several other businesses are a part of a partnership called The Minnesota Fraud Enforcement Partnership. This partnership was spearheaded by the Minnesota Department of Public Safety and Gambling Enforcement Division (AGED) in an effort to help reduce lottery and sweepstake frauds. An important part of this partnership has been the creation of a centralized location for bankers and/or potential victims to report frauds. There are three ways to report a scam to MnScams:

  1. Call the toll-free number 866-347-0911. Leave a message with your name, call back number and type of fraud. Someone will return your call.

  2. Go online to and fill out the fraud complaint form. You can submit the form electronically or you can print a paper copy and mail to: Alcohol and Gambling Enforcement Anti-Fraud Unit, 444 Cedar Street, Suite 133, St Paul MN 55101-5133

  3. Forward emails that claim you've won a prize/ask you to send money to The focus of this effort is on these lottery and sweepstakes frauds. However, other spam emails can be forwarded to this address. The information in these emails will be sent to the appropriate authorities to investigate. 





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