While the convenience of debit cards such as our Visa® Check Card is appreciated, there is risk. Recently there have been
several announced data breaches at well-known businesses.
Following announced data breaches, First National Bank Bemidji
receives information including lists of possible FNBB
compromised cards. Our Risk Management team contacts customers
informing them that their Visa Check card will be closed and what the replacement
card procedures will entail. If you have concerns or questions
at any time concerning your Visa Check Card and accounts, please
call us at 218-751-2430.
possible data breaches and other events, our community and many
others have been hit with efforts to gain private information
including account numbers, social security numbers and other
Guarding against Internet & Mobile
Fraud Schemes, Scams, & Frauds will provide information on today's most prevalent frauds. These
schemes are often believable especially during this time of data
breaches at well-known businesses.
Beware of texting or emails asking for financial account
numbers or other personal information. 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. Please
First National Bank Bemidji
will not contact you by phone, texts, or email to ask you for
your account numbers, PIN numbers or any other confidential
If you do respond to a text or email, please call us immediately at
218-751-2430. You are not alone; many individuals click/respond
when a message seems important and/or believable. It is
important to take steps as soon as possible to protect your
financial information and accounts.
Bank Bemidji reminds you that any information sent by e-mail is
at risk of loss of confidentiality if it is transmitted over the
Internet. We also do not recommend sending confidential
information such as account numbers or social security numbers
via e-mail. Please contact First National Bank Bemidji directly
at 218-751-2430 to discuss your account information. You will be
able to leave a message if our offices are closed and you will
be contacted at the first opportunity during our regular
There are many
other scams that could make you a victim. One of the fastest
growing forms of identity theft is called Account Hijacking.
Account highjacking occurs when a criminal obtains your personal
banking information and uses it to take over your banking
accounts. Read how you can guard against
Hijacking & Identity Theft by learning how to recognize it
and how to prevent it.
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 218-751-2430 if you have questions
concerning your checking account.
National Bank Bemidji may ask for confidential information to
verify your identity when you initiate contact with us.
The Minnesota Fraud Enforcement
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:
Call the toll-free
number 866-347-0911. Leave a message with your name, call
back number and type of fraud.
will return your
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
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.