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Fraud Alerts

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.

Following 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 personal information. 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 note: 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 information.

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.

First National 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 business hours.

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 Account 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. First National Bank Bemidji may ask 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. A representative will return your call.

  2. Go online to www.MnScams.org 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 report@mnscams.org. 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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