Sunday, February 05, 2012
 

Financial Security

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 Jerry O'Connor
    President

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Fraudulent Emails Appearing to Come from NACHA

Fraud & Phishing Resources Area:
Educate & Protect Yourself from Cyber Fraud

NACHA provides this resource area to educate consumers, businesses, financial institutions, and other parties about ways that they can protect themselves from the sustained and evolving phishing attacks in which individuals and organizations in the U.S. and other nations are receiving emails that fraudulently claim to come from NACHA regarding ACH payment transactions.

Educate Yourself, Your Customers & Business Partners.......

Be Aware That:

  • NACHA does not process nor otherwise touch the ACH transactions that flow via the ACH Network nor between financial institutions and their customers.
  • NACHA does not send communications of any type to persons or organizations about individual ACH transactions that they originate or receive. If you or your customer has received a communication of this nature that purports to come from NACHA, it is fraudulent.
  • NACHA is the industry trade association that manages the development, administration, and governance of the ACH Network, the backbone for the electronic movement of money and data.
  • The ACH Network serves as a safe, secure, reliable network for direct consumer, business, and government payments, and annually facilitates billions of payments such as Direct Deposit and Direct Payment.
  • These incidents are occurring with greater frequency and increased sophistication. Perpetrators are conducting similar phishing attacks in which they are sending fraudulent emails that claim to be from the Federal Reserve Bank, IRS, other federal agencies, as well as commercial financial institutions, other payment organizations, technology companies, and businesses.

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Watching for Phishing Scams can save your good name

The National Bank of Waupun will never ask for verification of your personal information via e-mail or phone.  We will NEVER ask for your PIN number or SHAZAM card number.  With all the technological advances in the world today, scam artists are getting more and more creative in how they gain your trust to get your financial information.  The first step to preventing identify theft and fraud is to stay informed of the different scams being utilized.  Talking regularly with a Customer Service Representative at your local office will help you stay aware.

Phishing scams have been in existence for a few years, but many people are still unaware of how realistic phishing e-mails can look.  Scam artists are no longer only targeting large financial institutions.  In the past year, the number of small, local banks being targeted has increased significantly.

Technology can greatly increase the convenience of your banking, but it is important to keep security issues in mind.  Phishing e-mails and the web sites they send links to may appear almost identical to those of legitimate financial institutions.  The National Bank of Waupun will never ask for verification of your personal information via e-mail. 


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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

January 2010

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general insurance rules. 

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTAS"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.  
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NBW VISION STATEMENT

To be a locally owned bank that is recognized for its delivery of
extraordinary customer service for the progressive benefit of the
individual customers, families and communities we serve.

NBW Employees, Officers and Directors
April 2007


 
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