The Illinois Credit Union League Presents
Business Development: In It to Win It!
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Business Development is not a department. In a financial cooperative it has to be everyone’s job, a team effort. Credit unions who have limited or no dedicated business development staffs often struggle with how to achieve growth goals. This session will focus on how to make business development a priority for staff whose primary responsibilities are operational. You will be presented with actionable ideas on how to get more employees involved with business development activities, and what skills are required to achieve team success.
• Learn how to set specific, achievable goals for each employee.
• Learn how to keep staff proactive and focused on business development activities while still meeting expectations for their primary job duties.
• Learn why communication and accountability are critical to the success of this type of structure.
• Leave with a clear understanding of how to create a business development strategy utilizing existing staff.
Speaker
Julie Ferguson is the owner of JRF Consulting Services, LLC and has been in the credit union movement for over 18 years. Sixteen years of her career were spent at First Tech Federal Credit Union. Her career began as a part-time Teller and took her on a journey that made stops as a Loan Officer, Branch Manager, Director of Operations, and Business Development Director. While at First Tech she developed strong relationships with SEG’s such as Microsoft, Amazon.com and Google. When First Tech became Microsoft’s credit union she and her staff grew the relationship from 0 – 15,000 members in 7 years.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Mobile Marketing with QR (Quick Read) Codes
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Tune into this QuickBite that will focus primarily on QR Codes—how they are applicable, how they work, and who is using them. This session will cover various applications, custom codes, and ideas for QR Code Campaigns that your credit union can use. Integrated marketing campaigns will also be discussed, bridging the gap between online and offline as well as one-to-one marketing practices.
Speaker
Kyle Phillips is Vice President of Sales and Marketing at Sir Speedy Naperville, Illiniois. Kyle began working with the family owned and operated business in 2004 working in both the graphic arts area as well as the production area of the company and worked his way into customer development, outside sales and internal marketing. He is a 2005 graduate of North Central College with a bachelors in Psychology with a focus on Marketing. Currently, Kyle focuses on developing and maintaining long-term client relationships. He has an unparalleled ability to create progressive and effective marketing strategies for new and existing clients.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Bankruptcy
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
How much are bankruptcies costing you? The one thing you can’t afford to do is nothing! The bankruptcy system is designed to favor the creditor who knows how to both identify recovery opportunities and ACT on them. This session will provide practical training and skill development to your staff members—perfect for beginner and intermediate collectors as well as the most seasoned bankruptcy specialists! Get practical tools and technical tips to improve your bankruptcy process.
The session will cover:
• Utilizing Electronic Bankruptcy Services – Put Technology to Work for You!
• Bankruptcy Checklists and Best Practices: What to Do When You Receive the Filing
• Fraud Identification and Recovery Options
• Credit Reporting and Bankruptcy-The Hidden Enemy
• Bullet Proof your Proof of Claim-New Privacy Risks
• When and HOW to Call Your Attorney-From Framing the Question to Negotiating Fees
Speaker
David Reed is an author, consultant and nationally recognized speaker. He received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. Formerly, Mr. Reed was Vice President and General Counsel for Apple Federal Credit Union in Fairfax, Virginia.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Cross Selling
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
In every credit union today, the ability to build the member relationship with every visit is more critical than ever before. Hyper competition has created a market environment where members are choosing the “best deal” and shopping several institutions for financial services.
Even if the front-line staff has had cross-selling training, there is always a benefit in refreshers with new tips and techniques. Each person attending this session will find tips to cross-selling in a positive, rewarding way for both the member and the employee.
The short, easy-to-remember tools to overcome the fear of selling and improve confidence that participant will gain from this training session are:
• Knowing how your credit union rates in the market will build your confidence
• Understanding your own personality style to improve one-on-one contact with members
• Becoming aware of how to cross-sell to different sensory styles
• Being prepared to cross-sell by leading with benefits not features – two quick questions
• Having one-minute cross-sells to successfully suggest products to members quickly
The session is designed to set up a win/win situation by giving everyone the tools to feel confident and assured in cross-selling for the benefit of the credit union and the members.
Speaker
Nicolette Lemon founded LemmonTree Marketing Group, a full-service marketing agency, in 1984, providing strategic marketing solutions, MCIF analysis, and market research solutions to clients nationwide. From 2003-2010, with a team of advisors, she created and headed the faculty of the Credit Union Marketing University, a weeklong academically based program for which students earned Continuing Education Units (CEUs) from Arizona State University.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Teller Regs
2-Hour TeleCourse
11:00 a.m. - 1:00 p.m.
This session will give a basic understanding of each of the following rules and is imperative for anyone performing duties in the deposit area of the financial institution. There are a host of rules that cover the deposit and operations side of the financial institution, ones that require a thorough understanding of when they apply, what they mean, as well as the penalties for noncompliance. Learn what these rules are, where to find them, and about the requirements.
This session will address:
Brief look at 33 Federal Reserve Regulations: A–Z & AA–GG
• 5 Regulations – Monetary Policy
• 5 Regulations – Bank Safety & Soundness
• 2 Regulations – International Banking and Bank Holding Co.
• 6 Regulations – Federal Reserve Membership and Reserve Bank Procedures
• 15 Regulations – Consumer Protection
• Overview of Reg. CC – Availability of Funds
• Overview of Reg. DD – Truth in Savings
• Overview of Reg. E – Electronic Fund Transfer
• Overview of Reg. P – Privacy of Consumer Financial Information
Currency and Foreign Transactions Reporting Act Timeline (Bank Secrecy Act)
• CTRs and Exemptions
• BSA Recordkeeping
• SARs and Employee Protection under "Safe Harbor" USA Patriot ACT
• CIP (Customer Identification Program)
Speaker
Jackie Judd is President of "Training You Can Bank On.” She has been in banking for over 30 years, starting at entry level and spending most of her career on the retail deposit side. She received her Series 7 Securities License and completed her License for Life, Accident, & Health insurance. She is a board member of 1st United Bank of Faribault. Jackie keeps informed of the trends and changes in the industry by continuing her education in finance.
Educational Investment: $199.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 21 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Courting Boomer Members: A Key Business Growth Strategy
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
This session will stress the importance of credit unions reaching out to Boomer Generation Members (40-60+ year olds) with products and services. Boomers are the largest, most powerful demographic group in terms of buying power, influence, and wealth. This session will highlight the following strategies for appealing and marketing to this group of members with suggested products/services (Retirement Planning/HSAs/Small Business) that should be directed at Boomers and their families to help keep them engaged as well as to grow and sustain the long-term future of your credit union.
Speaker
John Vardallas is an International Credit Union Business Consultant and Founder/CEO of TheAmericanBoomeR Group, a Madison, Wisconsin-based Speaking/Consulting Business and Internet Enterprise dedicated primarily to developing credit union leaders and organizations reach their potential. His work as a speaker/trainer and consultant focuses on helping people become more effective, business growth strategy, World Class service and building productive work places.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Unclaimed Property: Issues You Need to Know
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
This session will focus on the Basics of Unclaimed Property Reporting, including the WHO, WHAT, WHEN, WHERE, AND WHY of filing unclaimed property reports. It will focus on finding all of the unclaimed property hidden in your company’s books and records and then creating a strategy to get into compliance with all of the different state laws. It will briefly touch on the process for filing past due property and preparing for an audit.
Speaker
Tracey L. Reid, J.D., LL.M., is President of Reid Unclaimed Property Services LLC (RUPS), a national Unclaimed Property consulting company. RUPS has helped businesses of all sizes become compliant with state unclaimed property laws since 2002. Ms. Reid has been assisting businesses across the nation with voluntary compliance negotiations, audit defense, and training about unclaimed property compliance requirements for over a decade. Ms. Reid specializes in defending unclaimed property audits and conducting unclaimed property compliance reviews designed to assess exposure, potential savings opportunities, and compliance process improvements.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Lending Strategies: More Loan Opportunities
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
In this session you will learn:
• How to explore effective strategies that increase loan opportunities
• ROA and member loyalty
• How to analyze the credit report to make better loan decisions
• Discover strategies that bring in more loan opportunities and strengthen member loyalty
• Find out how you can use the most powerful resources you have within the credit union to bring in more loans
Speaker
Celeste Cook has worked in the credit union industry for 20+ years and has been a professional speaker and trainer for more than 15 years. She is President/CEO of cuStrategies, LLC, which provides consulting services and training programs to the credit union industry. Celeste previously worked for a $1.6 billion credit union in Atlanta, Georgia, and worked as a consultant with Rex Johnson of Lending Solutions Consulting. She is a keynote and motivational speaker as well as a consultant and trainer. Celeste conducts lending, business development, leadership, and sales and service training programs and schools.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available online for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
How to Improve Your Member Retention
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Imagine using a bucket of water to wash your car, but the only bucket you have has a hole in it. With this challenge you have three choices:
1) Keep filling the bucket with water;
2) Fix the hole, or;
3) Get a new bucket.
So, you ask, what has this got to do with member retention? A lot of credit unions go with approach number one to fix their customer retention issues. Instead of fixing the root causes of their problem, they simply top off their "bucket" with lots of new members to replace the ones that leak out of the "holes." The Leaky Bucket approach is a very expensive way to run a business as you can spend a fortune on acquisition for very little profitable growth.
Conversely, retaining your existing members and delivering profitable growth can be gained with a few simple steps that include identifying the cause of your retention problem, developing a strategy to fix the problem, and exploring ways of attracting the right kind of new members.
Learning Objectives: In this audio conference you will learn how to "fix the hole in your membership bucket" so you can grow your credit union membership and increase the number of profitable relationships.
Covered topics include:
• The 8 critical mistakes CUs make that make it impossible to fix their "hole in their bucket"
• Tackling the root cause of fixing the hole in your bucket - one simple step everyone can use
• Strategies for making employees accountable so you can add more members to your bucket
• Creating an environment in which employees ask for the business
• The 6-step approach to win-win conflict resolution
• Measuring member retention - with "MSR"
Speaker
Rory Rowland is a business consultant and dynamic presenter specializing in programs for financial institutions and business organizations on branding, strategic planning, lending, technology and communication skills. He has served as CEO/President of two credit unions. His communication skills and specialized background will help you become recharged and energized.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Reg CC
2-Hour TeleCourse
11:00 a.m. - 1:00 p.m.
Losses from check fraud continue to cause losses in the credit union industry. The most effective loss control against fraudulent deposit losses is the check hold. The changing check fraud environment has forced credit unions to reevaluate their check hold policies. Learn how to use Federal Reserve Regulation CC to protect your credit union from check fraud losses. This session will also address check return rights for items that are returned unpaid to the credit union.
This session will include a thorough discussion on the following:
• Funds availability schedules for next-day checks and local/nonlocal checks
• Exception (safeguard) holds
• Holds on ATM deposits
• Disclosure requirements
• Remotely created checks
• Check return rights including an overview of Uniform Commercial Code 3-302 (midnight deadline rule)
The session will also cover the Federal Reserve Board’s proposed amendments to Reg CC, which were issued in March 2011. The proposed amendments overhaul the regulation to:
• shorten exception holds;
• shorten holds on deposits to nonproprietary ATMs;
• promote acceptance of electronic presentment and electronic return of items;
• eliminate old references to “local” and “nonlocal” checks; and
• revise disclosures and notices.
Speaker
Ken Otsuka is a Risk Manager in the Credit Union Protection Risk Management Department for CUNA Mutual Group. In this role, Ken assists credit unions in identifying areas of risk in their operations and recommends best practices to reduce loss exposure. He also provides training for credit union employees. He is based in Chicago, Illinois.
Educational Investment: $199.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 21 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Mitigating Plastic Card Fraud - Know Your Lines of Defense
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Although we may have seen a slowing in data breaches and card compromises due to increased security measures within the plastic card industry, don’t be fooled - this is temporary. Fraud is as fluid as the payment processes we use and will continue to evolve as credit unions, processors and new technologies are introduced and will become more challenging to address. Is your credit union positioned to protect your members for the next generation of fraud?
Join us to learn:
• Current Fraud Trends
• Successful Fraud Management Tools
• Best Practices
• Preparation for the next generation of fraud
o Mobile
o EMV Cards
Speaker
Cathy Pettis is Senior Vice President of the Illinois Credit Union System Service Corporation. In her current capacity, she is responsible for new product and service development, market growth, existing product operations, implementations, and customer service. Product areas include EFT-ATM, debit, pre-paid gift cards, pre-paid debit cards, credit card product and card enhancements, collections, and other areas.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Robbery – Premise and Building Security
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
This program is a detailed review of the fundamentals of the crime of robbery and theft prevention for small to mid-sized to large credit unions. We will focus on "Premise and Perimeter Security" and a credit union's response protocols.
Discussion topics include:
• Robbery/Theft Prevention Awareness
• Robbery Response Procedures
• Security Systems
• Employee Screening
• Opening/Closing Procedures
• General Premise Security
Speaker
Bob Siciliano, CEO of IDTheftSecurity.com, is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds. His “tell it like it is” style is sought after by major media outlets, executives in the C-Suite of leading corporations, meeting planners, and community leaders to get the straight talk they need to stay safe in a world in which physical and virtual crime is commonplace. Siciliano is accessible, real, professional, and ready to weigh in and comment at a moment’s notice on breaking news.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The Illinois Credit Union League Presents
Internet Lending
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Internet Lending Channel of Choice - Just read the writing on the wall. This session will present trends in the financial area that reflect the consumer's preference in doing banking. As a matter of fact, Ally Bank, ING, and USAA have already positioned themselves nicely for capturing future business. Have you? This session will give ideas and best practice programs that allow for your members to find remote channels (Call Center and Internet) to be a great solution for "time starved" individuals just like you and most of America.
Speaker
Pierre Cardenas has 26 years in the financial industry at both credit unions and banks. He has held executive level positions in organizations from $140 million to over a billion in assets. Pierre started his own business, “Innovators of Change,” in 2008 while serving as the Senior VP of Retail at a $540 million CU. In 2010 Pierre joined forces with Credit Union Lending Advice, a credit union consulting organization.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
Click below for information.
► Financial Reality Fair Brochure
► Financial Reality Fair Sample Budget Sheet
► Financial Reality Fair Guidebook (currently not available)
► Financial Reality Fair Student Comments (currently not available)
► Financial Reality Fair Sample Credit Union Web Page
► Financial Reality Fair Video Clips (currently not available)
One of the goals of Connecticut REAL Solutions is to encourage more credit unions to become involved in hosting or participating in Financial Reality Fairs during the 2012-2013 school year. This activity not only helps our state youth become more aware of preparing for their financial future as adults, but also demonstrates that Connecticut credit unions are not only about money: they are committed to helping Connecticut citizens—particularly our youth—learn more about managing their finances more soundly to better negotiate our challenging economic times of today and preparing for a more secure future tomorrow. ______________________________________________
2012 Reality Fair Update
Connecticut credit union’s provided the Financial Reality Fair experience to thiusands of students since 2008. And efforts are underway to bring more Fairs to more schools in the 2012-2013 academnic year.
As for the remainder of the 2011-2012 school year, there are four regional Fairs planned in the Spring in the following areas:
March 26: Central CT State University, New Britain
April 25: Norwich Free Academy, Norwich
May 9: Housatonic Community College, Bridgeport
May 23: Torrington
None of these Fairs could take place without the on-going support of Connecticut credit unions. This support is expressed in a variety of ways, from volunteers the day of the Fair, to volunteers to plan and lead the Fair to credit unions that support fundraising efforts. Thank you to every credit union and member that supports our efforts.
______________________________________________
February 15, 2012
The Illinois Credit Union League Presents
Introduction to Lender Flood Compliance
90-Minute QuickBite TeleConference
11:00 a.m. - 12:30 p.m.
This course provides a basic introduction to flood insurance compliance. It targets staff new to the industry and/or flood compliance.
This session will introduce attendees to the National Flood Insurance Program and how it works; its compliance history, and the basics of the mandatory purchase requirements as established by the National Flood Insurance Reform Act of 1994.
This fast-paced session will specifically address the following:
• When and where flood insurance coverage is mandatory.
• How much insurance is required.
• How to conduct proper notification procedures.
• Elements of a well-documented loan portfolio.
• How to avoid common compliance problems.
• How to correctly use and re-use the Standard Flood Hazard Determination form.
• Discuss escrow requirements and penalties for non-compliance.
Speaker
Rich Slevin is a senior territory training manager for the Federal Emergency Management Agency’s (FEMA) training contractor, H2O Partners/SumTotal. Rich is widely recognized as a flood insurance subject matter expert by FEMA as well as by key insurance, banking, and lending, federal and state government entities. State departments of insurance, industry trade organizations; insurance carriers, leading financial institutions as well as federal and state government agencies regularly look to him for his expertise on flood insurance.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
February 7, 2012
The Illinois Credit Union League Presents
The Ins and Outs of Paid Advertising on the Internet
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Statistics show that online ad budgets are on the rise. Are you taking advantage of the digital wave?
The Ins and Outs of Paid Advertising on the Internet covers tips and strategies for getting started with online advertising and getting the most out of your online ad budget. The program also looks at which venues make the most sense for a credit union, which ones to stay away from, and the dos and don’ts of online advertising.
This presentation covers:
• The variety of options available for Internet advertising
• Key considerations when deciding whether or not to advertise online
• A closer look at Google advertising, website media placement, and social media advertising
• Tips for optimizing your budget
Speaker
Pat Price is the President of The Price Group, Inc., a marketing consulting company based in Illinois. She has over 20 years of corporate experience, most recently as the Director of North America Product Marketing for a Fortune 500 company. She holds an MBA degree from Northwestern University and a Master of Science in Electrical Engineering degree from the University of Southern California.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
 Illinois Credit Union League's
2012 QuickBites & TeleCourses
The Illinois Credit Union League offers Connecticut credit unions its QuickBite TeleConferences and TeleCourses at a discounted rate.
QuickBites (QB-1 hour) cost $129 per connection, unlimited participants; TeleCourses (TC-2 hours) cost $199 per connection, unlimited participants.
To register, contact Susan O'Loughlin at (203) 608-7061 or soloughlin@culct.coop.
Click the title below for information about the session.
Date, Speaker, Topic (QB=1 hour - TC=2 hours), Type
____________________________________________________________
Jan. 5: Patti Smith, Evaluating the Teen Market - QB
Jan. 11: Honey Shelton, Employee Headaches? Pain Relief for Supervisors - TC
Jan. 12: Phillipa Gamse, Essential Rules for a CU Web Presence that Wins! - QB
Jan. 18: Jeff Rendel, The How and Wow of Customer Service - QB
Jan. 25: David Reed, Top 12 Collections Tips - QB
Jan. 31: Kelly McDonald, Changing Demographics & How this Affects Your CU - QB
Feb. 2: Christy Crawford, IRA Essentials - TC
Feb. 7: Pat Price, The Ins and Outs of Paid Advertising on the Internet - QB
Feb. 15: Rich Slevin, Introduction to Lender Flood Compliance ** 90 minutes ** - QB
Feb. 22: Pierre Cardenas, Internet Lending - QB
Feb. 28: Bob Siciliano, Robbery – Premise and Building Security - QB
March 6: C. Pettis, Mitigating Plastic Card Fraud - QB
March 8: Ken Otsuka, Reg CC - TC
March 13: Rory Rowland, How to Improve Your Member Retention - QB
March 15: Celeste Cook, Lending Strategies: More Loan Opportunities - QB
March 21: Tracy Reid, Unclaimed Property-Issues You Need to Know - QB
March 29: John Vardallas, Courting Boomer Members: A Key Business Growth
Strategy - QB
April 3: Jackie Judd, Teller Regs - TC
April 5: Nicolette Lemmon, Cross Selling - QB
April 10: David Reed, Bankruptcy - QB
April 18: Kyle Phillips, Mobile Marketing with QR (Quick Read) Codes - QB
April 24: Julie Ferguson, Business Development: In it to Win it! - QB
May 1: Celeste Cook, Helping Members Improve Credit Scores - TC
May 3: Dave McGuinn, Safe Deposit Boxes: The Fundamentals **90 MINUTES** - QB
May 10: Jeff Rendel, Sales Culture Revolution - QB
May 15: Robert Rutkowski, Trust Accounts, - QB
May 23: Michael Patterson, Coaching to Gen Y - QB
May 31: Carl Pry, Reg E/EFTs - QB
June 5: Lynn Esp, Fair Labor Standards Update - QB
June 7: Steve Janiszewski, Teller Skills - TC
June 12: Carol Bertoux, Kids’ Stuff-Minor Accounts - QB
June 20: Melissa Blaser, Reg. Z - QB
June 26: Julie Ferguson, We Love Loans - QB
June 28: Rick Wemmers, Negotiating Skills to Capture Higher Rates & Fees - TC
July 2: Kelly McDonald, Generational Differences-Effectively Working Together - QB
July 10: Pierre Cardenas, Direct Lending – Seven Must Haves - QB
July 12: Deb McLean, New SEGs, New Members, New Growth TC
July 18: Tracy Reid, Due Diligence-Interacting with Your Members - QB
July 26: Mark Arnold, Why Y? – Tactics to Reach Gen Y - QB
July 31: Ken Gardner, Google Wallet - A Mobile Payment System Strategy - QB
August 2: Debbie Rightmire, ALM: 11 Key Ratios You Should Know - TC
August 8: Barry Thompson, Check Fraud - QB
August 14: Carol Bertoux, Decedent Accounts - QB
August 21: Lynn Esp, Conducting & Evaluating Consumer Reports for Employment
Purposes - QB
August 28: Nicollete Lemmon, Marketing with a Click and a Smile - QB
August 30: John Baptista, Basic Consumer Lending - TC
Sept. 5: Rick Wemmers , Increased Loans-New CU Loan Officer Training - QB
Sept. 11: John Vardallas, CU Thrival Strategies for a Slow Economy - QB
Sept. 18: Josh Allison, Starting a Youth Program on a Shoestring Budget - QB
Sept. 20: John Zasada, Building a Successful Regulatory Compliance Program - QB
Sept. 26: Carol Bertoux, Account Administration - TC
Oct. 2: Jennifer Tomas, Notary Public Training - QB
Oct. 10: Lynn Guiliani, Telephone Skills to Develop CU Relationships - QB
Oct. 15: Brett Christensen, Loan Interviewing & Sales Skills - TC
Oct. 17: Lynn Esp, Documenting & Disciplining Employees - QB
Oct. 23: Carla Day, Current Internet Marketing Vehicles - QB
Oct. 25: Sheila O’Leary, Cyber Tracking & Collections Techniques - TC
Oct. 31: Barry Thompson, 15 Worse Security Mistakes - QB
Nov. 6: Josh Allison, Business Development Fundamentals - QB
Nov. 8: Shelly Simpson, ACH Exception Handling: Returns, Reversals, NOC’s & More - TC
Nov. 15: Carl Pry, Servicemembers Civil Relief Act (SCRA) - QB
Nov. 20: Sean McDonald, The Member Is Always Right-NOT! - QB
Nov. 28: Melissa Blaser, Website Compliance - QB
Dec. 3: Brett Christensen, Effective Variable Pay Lending Strategies, QB
Dec. 19: Becky McCrary, Effective Listening Skills - QB
Dec. 28: Randall Romes, Network Security Update - QB
January 31, 2012
 The Illinois Credit Union League Presents...
Changing Demographics & How This Affects Your CU
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
The 2010 Census numbers are in and the findings are startling and profound. One in three Americans is not white. Four states have “minority majority” populations. Young people increasingly are opting not to get married. Asians have the highest household income of any race or ethnicity. Rural communities are losing population fast.
Now, more than ever, it’s imperative that you understand the changing demographics of the communities and groups you serve. How can you best serve a local community or organization if you don’t know what your community looks like today and may look like tomorrow?
The changes in demographics take many forms: racial, ethnic, gender, generational, sexual orientation, linguistic, even life stage and level of affluence, to name a few. Diversity of thought helps companies stay leading edge and proactive as well. And learning about differences in values among different groups is the key to maximizing relationships, marketing efforts, and business opportunities.
This presentation will focus on why changing demographics and diversity are business opportunities and how these changes affect your business today and tomorrow. You’ll learn:
• The four biggest findings from the 2010 Census and what they mean for your business right now
• Key market segmentations and the values associated with each to better understand customers and coworkers
• The differences between generational segments and how the varying wants and needs of generations impacts the service you provide
• Common obstacles will be reviewed in order to avoid communication or service mistakes, both internally and externally
• Specific strategies for developing effective diversity initiatives will be reviewed. Do’s and don’ts will be covered
Speaker
David Reed is an author, consultant, and nationally recognized speaker. He received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. Formerly, Mr. Reed was Vice President and General Counsel for Apple Federal Credit Union in Fairfax, Virginia.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
January 25, 2012
 The Illinois Credit Union League Presents...
Top 12 Collections Tips
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
If good collections technique was just about making a telephone call and demanding payment, then anyone could do it. But seasoned collections professionals understand that collections is a combination of skills and attitude that assist the member toward financial rehabilitation. Unfortunately, many credit unions don’t take the time to regularly assess their collections procedures and end up doing the same things over and over again because that is the way they have always done it.
Join us for an innovative collections session from one of the nation’s most experienced credit union collections professionals. David Reed shares his insights and experience with you in these “Top 12 Collections Tips.” This session will give you valuable tips, techniques and, yes, a few tricks to contact your member, overcome their objections, and make arrangements to satisfy their obligations.
Speaker
David Reed is an author, consultant, and nationally recognized speaker. He received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. Formerly, Mr. Reed was Vice President and General Counsel for Apple Federal Credit Union in Fairfax, Virginia.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
January 18, 2012
.jpg) The Illinois Credit Union League Presents...
The How and Wow of Customer Service
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
The Member Revolution is in full swing and power has shifted to the member. A fantastic product or service may bring your members in the door, but only one factor will bring them back: an exceptional experience. Strategically investing in and managing the member experience is a business tool that integrates the entire credit union in its desire to connect with its members, inherently inspiring them to choose the credit union over all other financial institutions.
In dissecting, designing, measuring, and improving your member’s experience with your product or service, your credit union can transform its image and brand, making you more essential – more indispensable – to your member’s life. With clearly defined and well-implemented front line leadership behaviors, the “how” of “wow” is delineated, allowing you to understand and demonstrate your distinctiveness in a jam-packed marketplace. In a world where first-rate member service is the expected norm, it’s time to abandon being just competitive and concentrate on becoming a required, central part of life.
Speaker
Jeff Rendel brings a wealth of education, knowledge, and experience to the platform. Having been a federal regulator, financial executive and congressional lobbyist, Jeff knows business and, especially, the financial services’ marketplace.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
January 12, 2012
 The Illinois Credit Union League Presents...
Essential Rules for a CU Web Presence that Wins!
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
This program will present a selection of successful strategies and tactics for establishing a winning online presence. Based on her book 42 Rules for a Web Presence That Wins, Philippa will share her latest research into what works at a practical level. We'll look at websites, blogs, video, other forms of social media, and discuss management level issues and decision making, designing strategies, creating content that makes connections, and measuring (and increasing) success.
Philippa will customize her remarks with industry-related examples and case studies, using the results of in-person interviews and an online survey, which she would invite attendees to complete prior to the meeting.
Following this program, attendees will be able to:
• Design and implement an integrated web and social media strategy
• Create content that ensures lasting emotional connections with visitors/members
• Understand the elements of a holistic marketing and public relations plan
• Find and fix the online "leaks" that drain money and time
Speaker
A Web strategy pioneer, Philippa Gamse has been working with Internet applications since 1991. Originally from the UK, she formed her U.S.-based consulting and speaking practice in 1995. Philippa drills deep into the visitor experience, and creates actionable and specific recommendations for your Web presence. Clients report significant improvement in quality Web traffic, visitor engagement, customer loyalty, and qualified sales leads within 30 days of implementing her recommendations.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive.
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
January 11, 2012
 The Illinois Credit Union League Presents...
Employee Headaches? Pain Relief for Supervisors
2-Hour TeleCourse
11:00 a.m. - 1:00 p.m.
Most of us that deal with the public find there are just some people that can drive us crazy! This program will provide attendees with excellent coaching tactics on dealing with the challenging people issues that frequent the workplace and your credit union.
Speaker
Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her financial background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank. Nationally recognized as an outstanding speaker, Honey has presented programs to over a half million bankers. Her depth of knowledge, enthusiasm, and compelling personality have left her lasting mark on InterAction Training, the firm she founded in 1983.
Educational Investment: $199.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
January 5, 2012
 The Illinois Credit Union League Presents...
Evaluating the Teen Market
QuickBite TeleConference
11:00 a.m. - 12:00 p.m.
Tune in and learn exactly what the "Teen Market" is. Research shows 31.3 million kids are between 12 and 19 years old - 11% of the population! They currently spend well over $200 billion - compared to only $94 billion in 1999. This session will address the changes in a teen's lifestyle from 1970 vs. 2011, what the driving forces are for teen consumers and what the financial value can be of providing services for teens.
Speaker
Patty Smith is Executive Director of Strategic Accounts for the Illinois Credit Union League’s Service Corporation and is responsible for the development and growth of transactional products and services for the credit unions within Illinois, Missouri, Colorado and Wyoming. Prior to joining the Illinois Credit Union System in 1998, Patty held executive and key management positions for a mid size community credit union and a large single sponsor credit union located within the state of Illinois.
Educational Investment: $129.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
February 2, 2012
The Illinois Credit Union League Presents
IRA Essentials
2-Hour TeleCourse
11:00 a.m. - 1:00 p.m.
This IRA Essentials telephone program is designed for those new to IRAs and is a great review for those who have been in the business for a while. It addresses the purpose of IRAs, the role IRAs play in a member’s retirement strategy and different types of IRAs and their eligibility requirements. This seminar includes some information on distributions and death distributions. Seminar attendees will leave with less apprehension about their responsibilities and compliance issues for opening IRAs at their credit union.
What you will learn:
• Product review
• Rollovers and Transfers
• Basics on Premature Distributions
• Basics on age 70½ Distributions
• Inherited IRAs
• Compliance
• Reporting
Speaker
Christy Crawford is the Assistant Vice President with gettechnical inc. in Baton Rouge, LA. Formerly a trainer for Walmart Corporation, Christy brings her eight years of sales and training expertise to your financial institution. She has a Bachelor’s Degree in Speech Communication from Louisiana State University and brings humor, youth, and vitality to the programs she teaches.
Educational Investment: $199.00 per telephone connection. Unlimited Listeners and Free Audio Archive
To Register
Please contact Susan O’Loughlin at soloughlin@culct.coop or 203-608-7061.
AUDIO ARCHIVE!
Can’t tune in today? Scheduling conflicts? Staffing issues? Absent employee? Take advantage of our audio archive feature available on-line for 45 days after the date of the session. All you need is a PC with Internet access, speakers or a headset. You must be registered for this QB to hear the audio-recorded version and receive handouts.
If you have not received your handout materials 3 days prior to session, contact the Education Department: Susan O'Loughlin, 800-228-2285, ext. 7061 or 203-608-7061 or soloughlin@culct.coop.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier's Checks
Montecito Bank & Trust, Santa Barbara, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122234783, which is assigned to Montecito Bank & Trust. The items are similar to authentic cashier's checks; however, they display a security feature statement along the bottom border between two padlock icons.
Authentic cashier's checks display a heat-sensitive security feature above the bottom border.
Any information you have concerning this matter should be brought to the attention of:
Jeremy Johnson
Vice President and Director of Security
Montecito Bank & Trust
PO Box 2460
Santa Barbara, California 93120
Telephone: (800) 348-0146
Fax: (805) 965-9788
E-mail: Security@montecito.com
__________
Counterfeit Cashier's Checks
Peoples Bank SB, Munster, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to The Bank of New York Mellon, Everett, Massachusetts. Peoples Bank SB issues its cashier's checks through MoneyGram Payment Systems, Inc., Minneapolis, Minnesota, using an account at The Bank of New York Mellon.
The counterfeit items display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. The word "Remitter" is displayed in the lower-left corner.
Authentic checks are gray and display a security feature statement below the top border. "PAYABLE THROUGH THE BANK OF NEW YORK MELLON, EVERETT, MA" is displayed in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Michael Shimala
Compliance and Security Officer
Peoples Bank SB
9204 Columbia Avenue
Munster, Indiana 46321
Telephone: (219) 853-7560
Fax: (219) 836-4409
E-mail: mshimala@ibankpeoples.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
_____________________________________________
Counterfeit Cashier's Checks
First State Bank, Waynesboro, Mississippi, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 065304084, which is assigned to First State Bank. The items are blue and have ornate top and side borders. The words "CASHIER'S CHECK" are shown inside of a box in the top center. The items display the bank's logo, name, and address are in the top-left corner. The words "AUTHORIZED SIGNATURE" are shown below the signature line in the lower-right corner.
Authentic cashier's checks have the words "CASHIER'S CHECK" in the lower-left corner. The bank's name, logo, and address are in the top-center area. The words "AUTHORIZED SIGNATURE" are shown above the signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Sharon Beard
Compliance Officer
First State Bank
P.O. Box 506
Waynesboro, Mississippi 39367
Telephone: (601) 671-2058
Fax: (601) 735-4820
E-mail: sharonbeard@firststatebnk.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers).
__________
Counterfeit Cashier's Checks
Macatawa Bank, Holland, Michigan, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 072413845, which is assigned to Macatawa Bank. The counterfeit items are very similar to authentic cashier's checks; however, they have borders on all sides. Authentic cashier's checks have a dark border along the left side.
Any information you have concerning this matter should be brought to the attention of:
Annette Hall
Assistant Vice President/Bank Protection Manager
Macatawa Bank
10753 Macatawa Drive
Holland, Michigan 49424
Telephone: (616) 494-1408
E-mail: AHall@macatawabank.com
__________
Counterfeit Cashier's Checks
River Community Bank, National Association, Martinsville, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 051409074, which is assigned to River Community Bank. There are two variations of the counterfeit items. One is pink in color and has the phrase "THIS DOCUMENT HAS AN WATERMARK PRINTED ON THE BACK" embedded in a darkened top border. The second version is pale blue in color and has the phrase "PRINTED WATERMARK PAPER COLORED BACKGROUND" embedded in a darkened top border.
Authentic cashier's checks have an ornate top border with scroll designs in each top corner.
Any information you have concerning this matter should be brought to the attention of:
Debora S. Holt
Senior Vice President Bank Secrecy Act/Security Officer
River Community Bank, National Association
433 E. Commonwealth Boulevard
Suite 1
Martinsville, Virginia 24112
Telephone: (276) 638-5107
Fax: (276) 638-1372
E-mail: dholt@rcbna.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier's Checks
F&M Bank, Washington, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061112830, which is assigned to F&M Bank. The items are blue, have rounded corners, and display a security feature statement embedded within a darkened top border. The bank's logo, name, and Web site address appear near the top-left corner of the counterfeit items.
Authentic cashier's checks are yellow and display a security padlock icon at the end of the written dollar amount line. The bank's logo, name, and Web site address are in the top-center area.
Any information you have concerning this matter should be brought to the attention of:
Debra Guin
Compliance Officer
F & M Bank
P.O. Box 280
Washington, Georgia 30673
Telephone: (706) 678-2187
Fax: (706) 678-4908
E-mail: dguin@f-mwashington.com
Filene Institute: Green Loans Are Profitable
A new report issued by the Filene Research Institute found loans made to foster environmentally friendly projects are profitable for credit unions and attract financially strong borrowers.
The study, “Finding Sustainable Profits: Green Lending in Credit Unions,” found loans made for energy efficiency, alternative energy or other environmental purposes spur membership growth and lead to new growth in solidly performing loans on the balance sheet.
The research also found many credit unions are partnering with local utilities, vendors, and nonprofit organizations to offer their members green loan products. These partners assist the credit unions in marketing the loans, and, in some cases, they help subsidize the interest rates or provide other forms of financial assistance that lower costs to members.
Filene said the report, by researcher W. Robert Hall, of Hall Associates Consulting, LLC, is based on an extensive online survey and a series of in-depth interviews. “These findings make it clear that there is a solid business case for credit unions to expand their focus on helping their members cope with the ever rising costs of energy to heat their homes and to get the most out of each gallon of gasoline,” said Hall.
“We continue to be interested in the implications the sustainability movement holds for credit unions,” said Mark Meyer, CEO of the Filene Research Institute. “This report is the first systematic look at green lending among credit unions, and we’re impressed with how many credit unions are reporting profitable portfolios.”
Over the last several years, governments and nonprofit organizations have identified the need to increase access to credit for homeowners and businesses to make energy-saving improvements. A key component of most strategies has been trying to get financial institutions to offer reasonably priced green loans that will enhance U.S. energy independence, address environmental concerns and stimulate the creation of new green jobs.
“Now that we’ve found green lending is profitable for credit unions of all sizes, it is time to bring these findings to financial institutions of all types,” Hall said. “These loans can be particularly important to smaller credit unions in expanding their loan portfolio and attracting new members,” he added.
The report concludes, “Moving forward, credit unions should explore ‘going green’ not just as a cost cutting strategy, but also as a business growth strategy.”
“In the future, with energy costs expected to rise from the fuel pump to the electrical outlet in people’s homes, well-structured and marketed green loan programs have the potential to become as important as car loans have been in the past to credit unions,” said Hall.
Credit Union Journal
NCUA Expands Corporate Resolution Program
The NCUA Board approved the hiring of five additional personnel to help manage the servicing and monitoring of its corporate credit union resolution program, which the credit union regulator says will take at least another 10 years to complete.
As part of the expansion of the program, NCUA is creating a Securities Management and Oversight Committee to oversee the $28.6 billion in NCUA Guaranteed Notes issued to the public to help finance the corporate program. The additional hires, estimated to cost $200,000 a year, are in addition to the three-and-a-half full-time existing NCUA staff that now oversees the corporate resolution.
NCUA, which approved a $2 billion assessment Monday to help pay costs for the corporate program, estimates the Temporary Corporate CU Stabilization Fund, which is financing the program with a low-interest loan from the U.S. Treasury, will incur costs of $12.2 million in 2012. Those costs will be figured into next year’s corporate assessment.
The expanded program will manage the estates of the five corporate failures, which hold more than 2,800 bonds, as well as the NGNs. NCUA said long-term monitoring of the bonds are likely to be much longer than 10 years in order to conduct a re-securitization of the re-securitization once the NGNs mature.
As part of the expanded program, NCUA plans to hire two analysts in the capital markets division of Examinations and Insurance, one investment program manager in its Asset Management and Assistance Center, which resolves credit union failures, and two program support officers for the new oversight committee.
NCUA has re-securitized almost $50 billion in toxic mortgage-backed securities once held by the five corporate failures: U.S. Central FCU, WesCorp FCU, Members United Corporate FCU, Southwest Corporate FCU and Constitution Corporate FCU.
Credit Union Journal
Consumers Ramp Up Spending
Healthy Gains Follow Two Flat Months, but Incomes Lag and the Economy Still Confronts Big Risks
Consumer spending posted strong gains in July despite weak income growth, the latest sign the economy gained some momentum at the start of the third quarter before the stock market began its recent gyrations.
In July, consumers spent more but in part it was because the personal saving rate dropped to 5% from 5.5%.
Consumption rose 0.8% during the month, following a slight contraction in June, the Commerce Department said Monday. Adjusted for inflation, spending rose a healthy 0.5%—the strongest gain since December 2009—after two flat months.
The latest figures suggest the economy regained some strength at the start of the third quarter after extremely weak growth in the first half of the year. The numbers could help dispel fears that the economy was heading back into a recession this summer. Gasoline prices are already down about 10% since the spring, a drop that could provide more support for spending on other goods and services into the fall.
"At the moment, the economy is back on its feet after the temporary soft patch caused by $4 gasoline earlier this year," said Chris Rupkey, a U.S. economist at Bank of Tokyo-Mitsubishi.
The economy still faces substantial risks. Deeply depressed consumer sentiment—tied in part to the market turmoil and the contentious debt debate in Washington—could lead consumers to rein in their spending. An increase in auto-sector sales, following a spring slowdown, could prove to be only a temporary lift for the overall economy.
And recent surveys suggesting a sharp slowdown in manufacturing activity during August have renewed worries about a new downturn in the economy.
In the latest survey, the Federal Reserve Bank of Dallas on Monday said its gauge of general business activity moved deeper into negative territory this month, indicating a sharper pullback among manufacturers in the region.
While a separate gauge of companies' outlook was less positive than it was in July, the Dallas Fed said "the great majority of respondents said their outlooks were unchanged or improved from last month."
Meanwhile, a measure of activity in the housing market showed more weakness. The index of pending home sales from the National Association of Realtors fell 1.3% in July after two months of gains. The measure, which uses contract signings to forecast sales of existing homes in the coming months, pointed to more pain ahead for the housing market.
Consumers boosted their spending in July in part by saving less. The personal saving rate fell to 5% from 5.5%.
Overall personal income rose 0.3% during the month, but it failed to keep up with inflation and taxes. Inflation-adjusted income after taxes dipped 0.1% in the first decline since September. Incomes will need to pick up—through improvement in the labor market—to maintain strength in consumer spending in coming months.
"Income gains are highly correlated with job growth so unless job creation accelerates, income growth will continue to be sluggish," said Steven Wood, chief economist at Insight Economics.
The Commerce Department's report showed a continued pickup in the Federal Reserve's preferred measure of inflation. The price index for personal consumption expenditures rose 0.4% in July from the prior month, the largest increase since March.
xcluding volatile food and energy prices, the core inflation remained flat at 0.2% from a month earlier but year-over-year inflation rose to 1.6%, from 1.4% in June. The annual core inflation rate is likely to continue moving into the Fed's comfort zone of a bit below 2%, and could even exceed it, potentially constraining the Fed from taking large new action to boost the economy unless the economic outlook deteriorates further.
The Wall Street Journal
League Liaison & Representatives
Tony Emerson, President & CEO
Kelly Fuhlbrigge, V.P. Government Relations
The Compliance Council was formed in June 2006. Approximately 40 credit unions participate in the Council and attendance at the meetings generally ranges from 20 to 30 members.
The purpose of the Compliance Council to provide a regularly scheduled dialogue for information exchange and a discussion of the impact of federal and state regulations relevant to credit union operations and the financial services industry in general.
Agendas are set for each meeting and all attendees may request topics to be addressed in advance. Participating credit union representatives are frequently asked to share their current policies and procedures with respect to specific regulations for the common benefit.
Meetings are periodically and normally can last up to three hours (9:00 a.m. to noon). Most are held at the League Education Center, 1064 East Main Street, Suite 201, Meriden.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier's Checks
PBI Bank, Louisville, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 083903894, which is assigned to PBI Bank. The items are dissimilar to authentic cashier's checks. A security feature statement appears below a double-lined border.
Authentic cashier's checks have a light blue background with visible fibers. A security feature statement is centered in a dark blue top border. The bank's name and "RE:" appear in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Kenneth Kidd
Market President
PBI Bank
P.O. Box 669
Munfordville, Kentucky 42765
Telephone: (270) 524-7283
Fax: (888) 832-9724
E-mail: kkidd@pbibank.com
__________
Counterfeit Official Checks
Heritage Bank of Nevada, Reno, Nevada, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 121201814, which is assigned to Heritage Bank of Nevada. The items are markedly dissimilar to authentic official checks. A security feature statement is centered below the top border. A vertical security feature statement and padlock icon are centered along the right border. The words "OFFICIAL CHECK" are top-centered inside a round-cornered rectangle. The bank's name is in the top-left corner. An indemnity bond statement and "Issued by Integrated Payment Systems, Inc., Wells Fargo Bank, N.A., New York, NY" are in the lower-left corner. A restrictive statement is shown above and "REMITTER" below the signature line.
Authentic official checks have a green background with ornate borders. A security feature statement and padlock icon follow "DOLLARS" on the right side. The words "OFFICIAL CHECK" are top-centered inside an elongated rectangle with outward arrows at each end. The bank's name, P.O. Box address, and telephone number are in the lower-left corner. "REMITTER" is in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Steve Carrick
Senior Vice President of Operations
Heritage Bank of Nevada
1401 South Virginia Street
Reno, Nevada 89502
Telephone: (775) 321-4109
Fax: (775) 348-0488
E-mail: scarrick@heritagebanknevada.com
__________
Counterfeit Cashier's Checks
OnPoint Community Credit Union, Portland, Oregon, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 323075880, which is assigned to OnPoint Community Credit Union. The items are similar in format to authentic cashier's checks. Counterfeit items have a dark green top border and a teal waterfall design background.
Authentic cashier's checks have a dark green border and a light green background. Checks when copied have a "VOID" background.
Any information you have concerning this matter should be brought to the attention of:
Pat Strain
Operations and Fraud Supervisor
OnPoint Community Credit Union
P.O. Box 3750
Portland, Oregon 97208
Telephone: (503) 497-2485 or (800) 527-3932, extension 5285
Fax: (503) 273-1709
E-mail: Pat.S@onpointcu.com
__________
Counterfeit Cashier's Checks
St. Johns Bank and Trust Company, Saint Louis, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 081017575, which is assigned to St. Johns Bank and Trust Company. The items are dissimilar to authentic cashier's checks and the city name appears as "ST. Louis." A security feature statement is embedded in a darkened top border rounded corners. Counterfeit items display one signature line.
Authentic cashier's checks have a double-lined border. A vertical security feature statement and padlock icon are embedded in the inner-right border. Checks also display two signature lines.
Any information you have concerning this matter should be brought to the attention of:
Bonnie Ehlenbeck
Vice President
St. Johns Bank and Trust Company
8924 St. Charles Rock Road
St. Louis, Missouri 63114
Telephone: (314) 428-1000
Fax: (314) 423-5207
E-mail: behlenbeck@stjohnsbank.com
Program Details
By donating a used cell phone through Cell Phones for Soldiers, your credit union can help U.S. service members get a free 60-minute calling card. Your support of this initiative will be at no cost to your credit union or members.
Helping soldiers feel closer to home.
Cell Phones for Soldiers addresses an everyday emotional need that everyone has experienced: the imperative to phone home…to hear a familiar voice while far away.
Your credit union can make a difference.
By enrolling in Cell Phones for Soldiers, you can put your credit union ahead of the pack by having information and materials readily available for members to donate used cell phones.
A Point of Sale Kit will offer your members the convenience of one-stop donating at your credit union. This no cost kit includes:
• One collection box
• 100 plastic mailing envelopes (includes pre-addressed postage-paid BRC mailing label)
• 10 tear-off BRC return label pads (for shipping in something other than plastic mailing envelope – postage-paid)
• 3 posters (3’ x 5’).
Action Requested
Each participating credit union branch will receive a Point of Sale kit. Please provide the following information to IIA@cusolutionsgroup.com for each participating branch by June 10, 2011:
• Credit union/branch name
• Shipping address
• Contact name
• Contact email
• Contact phone number
Invest in America and GM will be able to support the first 1,000 Point of Sales kits requested by credit unions. Don’t wait, submit your request now!
Timing
Invest in America will survey CUs for participation. Once all participation information is secured on June 10, 2011, GM will produce of the Point of Sale kits with a planned July 1, 2011 in-credit union launch.
Please help our troops by participating in Cell Phones for Soldiers.
Marketing Materials
Interested in promoting Cell Phones for Soldiers to your credit union members? Customize and use this article in your print or electronic newsletter, or create it as an email.
Lending Network
FACILITATOR
Jim Metcalf, Vice President—Lending, United Business & Industry Federal Credit Union
PROGRAM
This is generally an open forum and general discussion on lending.
Generally there are no specific topics on the agenda. But participants are encouraged to forward any lending-related questions to Barb Bass at bbass@culct.coop prior to the session.
Please join us to exchange information, ideas, and network with your peers!
Who Should Attend
Management and Lending staff
___________________________________________
CUNA Lending Council
As a lending professional, if you are not aware of the CUNA Lending Council, take a moment to find out how this national organization within the credit union system can help you serve your members more efficiently and comprehensively.
• Click CUNA Lending Council to go directly to the website where all the information you need to expand your awareness and knowledge and connect with other lending professionals across the country.
The Council has also made available a postcard that was mailed out late last week to potential Lending Council members. It was sent to credit union lenders in CUNA’s database who are not already a Lending Council member.
• Click postcard to access and download a copy of this colorful marketing piece.
• Consider joining the CUNA Lending Council! Click Join the Council for everything you need to know to become a part of this exciting and helpful national group!
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Official Checks
The Guernsey Bank, Worthington, Ohio, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 044072298, which is assigned to The Guernsey Bank. The items are dissimilar to authentic official checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The bank's logo when copied is a blank box.
Authentic official checks have ornate borders. A security feature statement is below the combined "THE PAY TO THE ORDER" and numerical amount line, followed by a padlock and statement. The bank's logo is a boxed Guernsey cow face in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Betsy Bass
Retail Operations Manager
The Guernsey Bank
6661 Huntley Road
Columbus, Ohio 43229
Telephone: (614) 985-0266
Fax: (614) 985-0355
E-mail: bbass@guernseybank.com
__________
Counterfeit Cashier's Checks
The Paducah Bank and Trust Company (Paducah Bank), Paducah, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The Paducah Bank and Trust Company does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display the routing number 083900402, which is assigned to The Paducah Bank and Trust Company. The items are dissimilar to authentic official checks. Counterfeit items have an ornate border on three sides of the item. The words "CASHIER'S CHECK" are centered in a rectangle in the top border with a security statement and sensor circle on each side of the rectangle.
Authentic official checks are light blue and when copied display "VOID" across the top. A security feature statement is centered in a top darkened border. The words "OFFICIAL CHECK" are centered and layered upon the statement. The bank's name, P.O. Box, location, and telephone number "270-575-5700" are in the top-left corner. A padlock icon and vertical security statement are embedded in the right border.
Any information you have concerning this matter should be brought to the attention of:
Jennifer Wyatt
BSA and Fraud Officer
The Paducah Bank and Trust Company
555 Jefferson Street
Paducah, Kentucky 42001
Telephone: (270) 575-6680
Customer Service: (270) 575-5700
Fax: (270) 575-5726
E-mail: jwyatt@paducahbank.com
__________
Counterfeit Cashier's Checks
National Bank of Kansas City, Overland Park, Kansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 101014869, which is assigned to National Bank of Kansas City. The items are dissimilar to authentic cashier's checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened blue top border and along the bottom border between two padlocks. The bank's logo is black and blue. The word "REMITTER" is in the lower-left corner.
Authentic cashier's checks are blue with a yellow centered background. Checks have a three-sided dark border encasing a blue scallop border. A security feature statement is centered in a blue-scalloped top border. The bank's logo is green. Sensor circles are along both the lower-left and lower-right borders.
Any information you have concerning this matter should be brought to the attention of:
Kim DeCann
Assistant Vice-President and Deposit Banking Administrator
National Bank of Kansas City
10700 Nall Avenue, Suite 200
Overland Park, Kansas 66211
Telephone: (913) 253-0170
Fax: (913) 383-5640
E-mail: kdecann@bankofkc.com
Or,
Richard Hudson
Vice-President and Security Officer
National Bank of Kansas City
10700 Nall Avenue, Suite 200
Overland Park, Kansas 66211
Telephone: (913) 901-5223
Fax: (913) 383-5684
E-mail: rhudson@bankofkc.com
__________
Counterfeit Official Checks
Americantrust (AmericanTrust) Federal Savings Bank, Peru, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 274970775, which is assigned to Americantrust Federal Savings Bank. The items are similar to authentic official checks; however, they have ornate borders. A security feature statement is embedded in the top border and the bottom border.
Authentic official checks are pale green with dark green top and bottom borders. A padlock icon and vertical security feature statements are along the right border.
Any information you have concerning this matter should be brought to the attention of:
Americantrust Federal Savings Bank
915 West Main
Peru, Indiana 46970
Telephone: (765) 459-4171
Fax: (765) 459-4350
E-mail: jaltmiller@americantrustbank.com
Banks Hit for Credit Union Ills (continued from Daily Update 3-23-2011)
Regulators seized the five wholesale credit unions in 2009 and 2010, inheriting a pile of battered bonds now worth only about $25 billion, or half of their face value.
The wholesale credit unions, also known as corporate credit unions, are at the heart of the nation's credit-union system. They not only invest customer deposits but also provide services such as check clearing for nearly 8,000 "retail" credit unions—member-owned cooperatives that act somewhat like banks for firefighters, teachers and other workers who have something in common.
Such customers have a total of about $680 billion in deposits at credit unions.
The NCUA's hardball move is one of most aggressive steps yet by the U.S. government against the Wall Street securities factory that turned millions of mortgages into bonds, helping to inflate the housing bubble, whose collapse resulted in economic damage throughout the world.
Federal regulators are starting to flex their legal muscle against executives, directors and outsiders blamed for the demise of financial institutions during the crisis.
For instance, the Federal Deposit Insurance Corp.'s board has authorized the filing of lawsuits seeking to recover more than $3.5 billion from officers and directors at failed U.S. banks.
Last week, the FDIC accused the wives of Washington Mutual Inc.'s two top executives at the time of the big thrift's 2008 collapse of illegally moving cash and houses into trusts to shield the assets.
The executives called the suit seeking over $900 million baseless.
Tensions have been mounting for months between regulators and the securities firms that created or sold bonds backed by residential or commercial loans.
Of hundreds of bonds inherited by the NCUA in its rescues of wholesale credit unions, many were packed with subprime mortgages, interest-only loans or mortgages with other risky characteristics such as not requiring income verification.
The mortgage-backed securities often carried Triple-A credit ratings at first. Many now have junk ratings.
According to people familiar with the matter, agency officials recently issued an ultimatum to several firms that churned out the bonds: Either refund every dollar spent to buy the bonds when they were issued or face lawsuits seeking to recover the money.
In a securities filing this month, Goldman said the NCUA "has stated that it intends to pursue...on behalf of certain credit unions for which it acts as conservator" claims that offering documents for certain securities Goldman sold "contained untrue statements of material facts and material omissions."
In the filing, Goldman didn't specify which deals but indicated it has had discussions with the NCUA. A Goldman spokesman declined to comment.
Regulators also have told Bank of America Merrill Lynch, Citigroup and J.P. Morgan to refund losses suffered on their mortgage bonds, said people familiar with the matter. The companies declined to comment.
Other federal entities, including the FDIC, the Treasury and the Federal Reserve, hold similar securities as a result of various rescues. Those agencies haven't made broad legal threats to firms that created such bonds.
Last year, the FDIC took over as plaintiff in a suit filed by Riverside National Bank of Florida, a bank in Fort Pierce that, before failing in April, had stuffed its portfolio with 27 collateralized debt obligations, or slices of bond pools. Riverside accused more than a dozen firms of misrepresenting the CDOs' value. At the time the FDIC stepped in, it owned parts of over 250 CDOs bought by small banks that subsequently failed.
"There's plenty more litigation yet to come," said Jonathan Pickhardt, a partner at New York law firm Quinn Emanuel Urquhart & Sullivan LLP. "These are complex cases that take a long time to develop. New lawsuits will keep being brought up until the statutes of limitations run."
Mr. Pickhardt represents Heungkuk Life Insurance Co., which accused Goldman in a federal suit last week of misleading the Korean insurer about the risks of a CDO it purchased called Timberwolf. The Goldman spokesman declined to comment on the suit.
The collapse of the nation's wholesale credit-union system showed it made some of the same blunders that have sunk 350 banks and savings institutions since the start of 2007.
In November, an audit by the NCUA's inspector general concluded that the management and board of one wholesale credit union, called Western Corporate Federal Credit Union, or WesCorp, didn't properly manage the risk of its portfolio and bought too many mortgage securities.
At the end of 2007, 74% of WesCorp's investments were in mortgage-backed securities, according to regulators. WesCorp, of San Dimas, Calif., was seized by the NCUA in March 2009. By early 2010, its holdings had lost 31% of their value, according to the agency.
The inspector general's review didn't analyze the possible role of underwriters, issuers or credit-ratings firms.
After taking over more than $50 billion in mortgage-backed bonds from the failed credit unions, the NCUA last fall started selling bonds backed by those assets with a government guarantee. The rescue created four new corporate credit unions, but retail credit unions must pay a special fee to rebuild the industry's insurance fund, so losses on the bonds will be passed on to retail credit unions.
Wall Street Journal
 JoAnn Centrilla-Silvia, Esq.
Partner, Michalik, Bauer, Silvia & Ciccarillo, LLP
JoAnn Centrilla-Silvia received her Bachelor of Arts degree from Fordham University in 1982 and her Juris Doctorate degree from the University of Bridgeport School of Law in 1988. She practices in all areas of collections and creditor bankruptcy.
She was admitted to practice law in the State of Connecticut in 1990 and the District Court in 1990. JoAnn was also admitted to practice law in the State of New York in 1989 and the United States District Court, Southern and Eastern Districts in 1990.
JoAnn is a member of the New Britain, Hartford, Connecticut, New York State, and American Bar Associations. She is also a member of the Creditor’s Rights section of the Connecticut Bar Association, and she has served on the Executive Board of the Connecticut Creditor’s Rights Attorneys’ Association.
___________
 Toby J. Rhinesmith, Esq.
Attorney, Michalik, Bauer, Silvia & Ciccarillo, LLP
Toby Rhinesmith joined the firm of Michalik, Bauer, Silvia &
Ciccarrillo, LLP, as an associate in February 2009 after many years
as a solo practitioner. He received his law degree from Tulane University in 1998 and was admitted to the California Bar in 1999 and the Connecticut Bar in 2002.
Attorney Rhinesmith focuses his practice on the areas of collections, foreclosures, real estate, landlord/tenant and probate matters. He is a member of the Connecticut and American Bar Associations.
__________
Melissa L. Simonik, Esq.
Attorney, Michalik, Bauer, Silvia & Ciccarillo, LLP
Melissa Simonik joined the New Britain law firm of Eisenberg, Anderson, Michalik & Lynch, LLP, in March 2004. In January 2005, the law firm changed to Michalik, Bauer, Silvia & Ciccarillo, LLP, where Attorney Simonik is presently an Associate. She received her law degree from the Quinnipiac University in May 2002, and was admitted to practice law in the State of Connecticut in 2002 and the District Court in 2002.
Attorney Simonik practices mainly in the areas of tax foreclosure, mortgage foreclosure, collections, bankruptcy and all aspects of creditor’s rights. She is a member of the New Britain, Connecticut State, and American Bar Associations, the National Association of Retail Creditor Attorneys, and of the Connecticut Creditor’s Rights Attorneys’ Association. She has participated in the Truancy Project in the City of New Britain as a volunteer attorney since its inception more than two years ago.
John Lass
Senior Vice President, Strategy & Business Development
CUNA Mutual Group
John Lass directs corporate strategic planning and CUNA Mutual’s Business Development Unit with a focus on identifying and pursuing strategic diversification opportunities.
John has worked extensively in the Credit Union System throughout the United States and worldwide as a speaker and strategy advisor. Previously, he headed the strategy practice at Hagberg Consulting Group, now a part of Accenture. He also worked as a strategy consultant with the Boston Consulting Group.
John received his bachelor’s degree from the University of Washington and an M.B.A. from Harvard Business School, where he graduated as a Baker Scholar.
___________________
 Gerry Singleton
Director, League & Association Relations
CUNA Mutual Group
Gerry Singleton is responsible for establishing, strengthening, and maintaining relations with credit union trade organizations and state leagues.
Previously, Gerry was the Senior Manager of Product Learning in CUNA Mutual’s Organization Capability area. He was responsible for aligning CUNA Mutual’s product-related training efforts to deliver a consistent learning experience across all channels in line with key adult learning principles. He also served as Division Manager of Business Development in CUNA Mutual’s Southeast Marketing Division, where he worked with CUNA Mutual staff and credit unions in the areas of training and marketing.
Prior to joining CUNA Mutual in 1998, Gerry was the training manager for the North American Mission Board of the Southern Baptist Convention. He developed and delivered new employee orientation programs, spoke nationally on topics that included staff development and motivation, conducted training needs analyses, and focused on developing leaders and teams.
Gerry holds a Bachelor’s Degree in English from Purdue University.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier's Checks
Lincoln Savings Bank, Cedar Falls, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 073905527, which is assigned to Lincoln Savings Bank. The counterfeit items are nearly identical to authentic cashier's checks. The primary difference is that the counterfeit items display the numeric dollar amount inside of a box.
Any information you have concerning this matter should be brought to the attention of:
Charla A. Reynolds-Davis
Assistant Vice President for Compliance
Lincoln Savings Bank
242 Tower Park Drive
Waterloo, Iowa 50701
Telephone: (319) 233-1900, extension 215
Fax: (319) 788-6697
E-mail: Charlar@mylsb.com
__________
Counterfeit Cashier's Checks
First Savings Bank, Beresford, South Dakota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091406833, which is assigned to First Savings Bank. The counterfeit items are markedly dissimilar to authentic cashier's checks. They have an ornate patterned background and display the words "MEMO" and "REMITTER" in the top-left corner. The words "Cashier's Check" are shown inside of a rectangle in the lower-left corner. The numerical dollar amount is also shown inside a rectangle.
Authentic cashier's checks are light green in color with ornate borders. A security padlock and vertical statement are embedded in the right border. The phrase "Express Line (24 Hour Banking)" and a toll-free telephone number are shown below the bank's name and address in the top-center area. The phrase "AN AUTHORIZED SIGNATURE" is above the signature line.
Any information you have concerning this matter should be brought to the attention of:
Rick Christensen
Chief Financial Officer
First Savings Bank
201 North 3rd Street
Beresford, South Dakota 57004
Telephone: (605) 763-4534
Fax: (605) 763-2010
E-mail: rick.christensen@firstsavingsbanks.com
__________
Counterfeit Cashier's Checks
First California Bank, Westlake Village, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashiers checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 322271724, which is assigned to Citibank, FSB, New Castle, Delaware. The items are dissimilar to authentic cashier's checks and, when copied, have a "VOID" background. A security feature statement is embedded within a darkened top border and along the bottom border between two padlocks. The words "CASHIERS CHECK" are in the top-left corner and the bank's name and an address, not associated with the bank, are in the top center area.
Authentic cashier's checks display the routing number 122237308, which is assigned to First California Bank. A security feature statement is centered below the written dollar amount line. The bank's logo, name and address are in the top-left corner. A dark vertical stripe is along the left border and a padlock and vertical security statement are at the end of the written dollar amount line. An indemnity bond statement is in the top center. The words "Cashier's Check" are written in a cursive font in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Penny Stewart
Senior Vice President, Bank Secrecy Act Officer, and Privacy Officer
First California Bank
3027 Townsgate Road, Suite 300
Westlake Village, California 91361
Telephone: (805) 437-4302
Fax: (805) 312-6247
E-mail: PStewart@FCBank.com
__________
Counterfeit Cashier's Checks
CommunityAmerica Credit Union, Lenexa, Kansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. CommunityAmercia Credit Union does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display the routing number 011007092, which is assigned to Boston Safe Deposit & Trust Company, Boston, Massachusetts. CommunityAmerica Credit Union issues its official checks through Moneygram Payment Systems, Inc., using an account held in Boston Safe Deposit & Trust Company.
The counterfeit items are markedly dissimilar to authentic official checks. Items display a security feature statement embedded within darkened top and bottom borders. The words "CASHIER'S CHECK" are in the top center. Nine arrows precede the numeric dollar amount. The bank's name is listed twice as "Drawer" above the signature area.
Authentic official checks have a blue cubed background and a dark blue top border. A security feature statement is centered above the bottom border. Seven arrows precede the numeric dollar amount.
Any information you have concerning this matter should be brought to the attention of:
Jerry Affolter
Security Officer
Loss Prevention Department
CommunityAmerica Credit Union
9777 Ridge Drive
Lenexa, Kansas 66219
Telephone: (913) 905-8044
Fax: (913) 905-7044
E-mail: jaffolter@cacu.com
__________
Counterfeit Cashier's Checks
American Security Bank, Newport Beach, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122241912, which is assigned to American Security Bank. The items are markedly dissimilar to authentic cashier's checks. The phrase "Member FDIC" is to the right of the bank's name while the phrase "Community First!" is below the bank's name in the top-left corner. A security feature statement is centered below the top border. Six arrows followed by the bank's name are shown to the left of the numeric dollar amount. The phrases "AUTHORIZED SIGNATURE" and "REMITTER" are below the signature line in the lower-right corner.
Authentic cashier's checks are computer generated on light blue stock paper and show the bank's logo to the left of the bank's name in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Christine Hatfield
Assistant Vice President and Payment Services Officer
American Security Bank
13792 Bear Valley Road
Victorville, California 92392
Telephone: (760) 955-3829
Fax: (760) 245-6522
E-mail: Chatfield@AmSecBank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier's Checks
Frontier Bank, Davenport, Nebraska, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 104913381, which is assigned to Frontier Bank. The items display a security feature statement embedded within a darkened top border and along the bottom border between two padlock icons. The bank's name and address appear in the top-left corner and the words "CASHIER'S CHECK" are in the top-center area. The word "REMITTER" appears in the lower-left corner, and the phrase "AUTHORIZED SIGNATURE" appears below the signature line in the lower-right corner.
Frontier Bank does not issue cashier's checks; however, it does issue bank money orders. Authentic bank money orders have an ornate top border and display the bank's name and location in the lower-left corner. The words "BANK MONEY ORDER" are in the top-center area, and the word "REMITTER" appears in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Janet Albracht
Vice President and Cashier
Frontier Bank
P.O. Box 610
Madison, Nebraska 68748-0610
Telephone: (402) 454-3381
Fax: (402) 454-2349
E-mail: jalbracht@frontbank.com
__________
Counterfeit Cashier's Checks
Metropolitan Bank and Trust Company, Chicago, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071002707, which is assigned to Metropolitan Bank and Trust Company. The items display the bank's logo, name, city, state and ZIP code in the lower-left corner. The words "CASHIER'S CHECK" are inside of a box in the top center. The word "REMITTER" appears near the top-left corner. A restrictive feature statement is displayed below the right side of the written dollar amount line.
Authentic cashier's checks display the bank's logo, name, city, state and ZIP code, and the word "REMITTER" followed by a line in the top-left corner. The words "CASHIER'S CHECK" appear in the lower-left corner. The words "AUTHORIZED SIGNATURE" appear below the signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Martha Gonzalez
Fraud Prevention Coordinator
2201 West Cermak Road
Chicago, Illinois 60608
Telephone: (773) 890-3541
Fax: (773) 890-3548
E-mail: magonzalez@metropolitanbank.com
__________
Counterfeit Official Checks
The Community Bank, Brockton, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211371476, which is assigned to The Community Bank. The items display a security feature statement embedded within a darkened top border. The items display the word "NO." above the word "DATE" in the top-right corner.
Authentic official checks display the routing number 011007092, which is assigned to The Bank of New York Mellon, Everett, Massachusetts. The Community Bank issues its checks through a MoneyGram Payment Systems, Inc. account, payable at The Bank of New York Mellon. Authentic official checks display ornate top and side borders and have a security feature statement just below the top border. The words "OFFICIAL CHECK" appear inside of a rectangle in the top-center area. An "ISSUED BY" statement appears in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Richard Telesmanick
Vice President
The Community Bank
1265 Belmont Street
Brockton, Massachusetts 02301
Telephone: (505) 587-3210, Extension 3327
E-mail: Telesmanick@communitybank.com
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Counterfeit Official Checks
Stock Yards Bank & Trust Company, Louisville, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 083000564, which is assigned to Stock Yards Bank & Trust Company. The items have a multicolored, patterned background and a security feature statement just below the top border. The words "OFFICIAL CHECK" appear inside a box in the top center. A heat sensor icon appears in the top-right corner.
Authentic checks have ornate borders and display security feature statements embedded within the top and bottom borders. A heat sensor icon appears next to the signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Wendy Heskamp
Deposit Fraud Specialist
Stock Yards Bank and Trust Company
P.O. Box 33124
Louisville, Kentucky 40232
Telephone: (502) 625-2502
Fax: (502) 625-9037
E-mail: Wendy.Heskamp@syb.com
Alternate Contact:
Nancy Flowers
Vice President and Fraud Department Manager
Stock Yards Bank and Trust
P.O. Box 33124
Louisville, Kentucky 40232
Telephone: (502) 625-0880
Fax: (502) 625-9037
E-mail: Nancy.Flowers@syb.com
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Counterfeit Cashier's Checks
Hedrick Savings Bank, Ottumwa, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 073921129, which is assigned to Hedrick Savings Bank. The items are very similar to authentic cashier's checks; however, authentic checks display ornate borders.
Any information you have concerning this matter should be brought to the attention of:
Michelle Bowers
Vice President and Compliance Officer
Hedrick Savings Bank
216 South Market Street
Ottumwa, Iowa 52501
Telephone: (641) 683-1300
Fax: (641) 683-1400
E-mail: Michelle@hedricksavingsbank.com
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Entities Not Authorized by the Cayman Islands Monetary Authority
On November 18, 2010, the Cayman Islands Monetary Authority (CIMA) published the attached list of financial entities that have Cayman Island addresses, but are neither registered nor licensed to undertake activities regulated by the CIMA. The notice also states that none of the entities are registered with the Cayman Islands Companies Registry.
These entities, or persons representing them, may be operating in the Cayman Islands, offering banking or other financial services to individuals, businesses or financial institutions located in the United States. They may be violating provisions of the Banks and Trust Companies Law or other regulations issued by the Cayman Islands government. These entities may also be conducting or facilitating unauthorized financial transactions in the United States. Any proposed transactions involving these entities should be viewed with extreme caution.
Any information about these entities may be forwarded to the FDIC's Cyber Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-3054, Washington, D.C. 20429 or transmitted electronically to alert@fdic.gov.
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Counterfeit Cashier's Checks
Central Jersey Bank, National Association, Oakhurst, New Jersey, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 021213180, which is assigned to Central Jersey Bank, National Association. The items are very similar to authentic checks; however, they are light blue, while authentic checks are printed on a purple background.
Any information you have concerning this matter should be brought to the attention of:
Nancy L. Malinconico, CRCM, CFSSP
Senior Vice President and Retail Operations
Central Jersey Bank, National Association
1903 Highway 35
Oakhurst, New Jersey 07755
Telephone: (732) 663-4000, Extension 4045
Fax: (732) 663-4006
E-mail: nmalinconico@cjbna.com
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Counterfeit Cashier's Checks
South Georgia Banking Company, Omega, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061211870, which is assigned to South Georgia Banking Company. The items are similar to authentic official checks; however, the counterfeit items are green. Authentic cashier's checks are blue.
Any information you have concerning this matter should be brought to the attention of:
Diana Owen
Bookkeeper
South Georgia Banking Company
725 West 2nd Street
Tifton, Georgia 31794
Telephone: (229) 382-4211, Extension 1112
Fax: (229) 382-2828
E-mail: dowen@sgbconline.com
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Counterfeit Cashier's Checks
Delta Trust & Bank, Parkdale, Arkansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 082901868, which is assigned to Delta Trust & Bank; however, it is not used in the issuance of cashier's checks. The items are markedly dissimilar to authentic cashier's checks. A security feature statement is embedded within a darkened top border. The reverse side has a watermark. The words "CASHIER'S CHECK" are in the top-center area. The bank's name and address appear in the top-left corner. The phrase "VOID AFTER 90 DAYS" appears above the signature line in the lower-right corner. The word "REMITTER" and an indemnity statement are in the lower-left corner.
Authentic cashier's checks display the routing number 082904166, which is assigned to Delta Trust & Bank. The bank's logo, name and branch locations are shown in the top-center area. The words "CASHIER'S CHECK" are above the signature line. The word "REMITTER" appears below a line in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Lissa S. Smith
Compliance Officer
Delta Trust & Bank
1853 Highway 165 South
Parkdale, Arkansas 71661
Telephone: (870) 473-2217
Fax: (870) 473-2492
E-mail: lsmith@delta-trust.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
Webster Bank, National Association, Waterbury, Connecticut, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 092005411, which is assigned to First Interstate Bank, Helena, Montana. The items are markedly dissimilar to authentic official checks. They display a security feature statement embedded in a darkened top border and a circular heat sensor icon centered in the bottom. The words "OFFICIAL CHECK" are shown inside a rectangle in the top-center area. The words "Webster Plaza" are displayed below the bank's logo and name and above the city, state and zip code in the top-left corner.
Authentic official checks display the routing number 211170101, which is assigned to Webster Bank, National Association. They display a "VOID" background when copied. A padlock icon and vertical security statement are along the right border. The words "OFFICIAL CHECK" are shown vertically within a darkened rectangle along the left border. The address "145 Bank Street" is displayed below the bank's logo and name and above the city, state and zip code in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Kim L. Syrop
Vice President
Fraud Mitigation and Loss Management Department
Webster Bank, National Association
777 Northrop Road
Wallingford, Connecticut 06492
Telephone: 1 (800) 325-2424, press 1, dial 11062
Fax: (203) 284-6860
E-mail: ksyrop@websterbank.com
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Counterfeit Cashier's Checks
High Point Bank and Trust Company, High Point, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053100685, which is assigned to High Point Bank and Trust Company. The items are markedly dissimilar to authentic cashier's checks and when copied have a "VOID" background. They are borderless on the top and sides and display a security feature statement along the bottom border between two padlock icons.
Authentic cashier's checks are light blue with borders on all sides. A security feature statement is embedded in a dark blue top border and vertically along the right side with a padlock icon. A heat sensitive circle with red images is centered in the middle portion.
Any information you have concerning this matter should be brought to the attention of:
Kelly Brown
Compliance and Security Officer
High Point Bank and Trust Company
P.O. Box 2270
High Point, North Carolina 27261
Telephone: (336) 881-3400
Fax: (336) 889-2129
E-mail: kbrown@highpointbank.com
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Counterfeit Official Checks
Eagle Community Credit Union, Lake Forest, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122042205, which is assigned to Preferred Bank, Los Angeles, California. The items are similar to authentic official checks; however, the counterfeit items display the phrase "DRAWEE: PREFERRED BANK, LOS ANGELES, CA" above the date field.
Authentic official checks display the routing number 011007092, which is assigned to Eagle Community Credit Union. The checks display the phrase "DRAWEE: THE BANK OF NEW YORK MELLON, EVERETT, MA" above the date field.
Any information you have concerning this matter should be brought to the attention of:
Nancy Powers
Internal Auditor
Eagle Community Credit Union
23021 Lake Center Drive
Lake Forest, California 92630
Telephone: (949) 639-7850
Fax: (949) 639-7997
E-mail: npowers@eaglecu.org
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Counterfeit Cashier's Checks
FORUM Credit Union, Indianapolis, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 274074037, which is assigned to FORUM Credit Union. The items are dissimilar to authentic bank checks. A security feature statement is embedded within a darkened top border and along the bottom border between two padlock icons. The words "CASHIER'S CHECK" are in the top-center area. The word "REMITTER" is shown in the lower-left corner and the phrase "VOID AFTER 90 DAYS" is in the top-right corner.
FORUM Credit Union does not issue cashier's checks; however, it does issue bank checks. Authentic bank checks are either blue or gray in color. They display the phrase "VOID AFTER 180 DAYS" in the top-right corner. A watermark displaying "FORUM Credit Union" and "Original Document" are on the reverse side of authentic bank checks.
Any information you have concerning this matter should be brought to the attention of:
Sherry Fischer
Fraud Loss Prevention Manager
FORUM Credit Union
P.O. Box 50738
Indianapolis, Indiana 46250
Telephone: (317) 558-6236
Fax: (317) 558-6248
E-mail: sherry@forumcu.com
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Counterfeit Official Checks
Summit Bank, Arkadelphia, Arkansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 082901871, which is assigned to Summit Bank. The items are very similar to authentic official checks; however, they have a gray background and ornate borders. A padlock and vertical security feature statement are embedded within the right border. The bank's logo in the top-left corner is black and green.
Authentic official checks have a green background and rounded corners. A security feature statement is embedded in top and bottom darkened borders. The bank's logo in the top-left corner is black and white.
Any information you have concerning this matter should be brought to the attention of:
Dustin Sanders
Bank Secrecy Act and Fraud Specialist
Summit Bank
409 Main Street
Arkadelphia, Arkansas 71923
Telephone: (501) 467-3111
Fax: (501) 467-3222
E-mail: dsanders@summitbankdirect.com
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Counterfeit Bank Checks
Paper City Savings Association, Wisconsin Rapids, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit bank checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 71004501, which is assigned to Federal Home Loan Bank of Chicago, Chicago, Illinois. The items are similar to authentic checks; however, they display a security feature statement embedded within a darkened top border and along the bottom between two padlock security icons. Authentic checks display a padlock security icon embedded within the right border.
Any information you have concerning this matter should be brought to the attention of:
Tina M. Bartram
Security Officer
Paper City Savings Association
4200 8th Street South
Wisconsin Rapids, Wisconsin 54494
Telephone: (715) 422-1814
Fax: (715) 422-1820
E-mail: tbartram@papercitysavings.com
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Entities That May Be Conducting Banking Operations in Canada and/or the United States Without Authorization
The Office of the Superintendent of Financial Institutions of Canada has identified Sunova Credit Union, operating as Hubert or Happysavings.ca, as entities that may be illegally operating as financial institutions.
The Office of the Superintendent of Financial Institutions (OSFI) of Canada has published a "Warning Notice" (Issue No. 89) containing the names listed above. This Warning Notice can be found at http://www.osfi-bsif.gc.ca/app/DocRepository/1/eng/consumer/notices/Warning_Notice_89_e.pdf .
Sunova Credit Union ("Sunova"), operating as Hubert or Happysavings.ca, appears to be engaged in unauthorized deposit taking in the provinces of Saskatchewan and Nova Scotia. The authorities in those provinces have issued Cease and Desist Orders to Sunova directing it to cease doing business in the provinces. In addition, this entity claims in advertising material to be "Canada's newest…online bank." Members of the public are advised that Sunova is neither a bank nor an authorized foreign bank in Canada, and is not supervised by OSFI.
Any information you have concerning this matter should be brought to the attention of following authorities:
Superintendent of Financial Institution of Manitoba
Regulation Branch
1115-405 Broadway Avenue
Winnipeg, Manitoba R3C 3L6
or
Registrar of Credit Unions
Saskatchewan Financial Services Commission
Suite 601
1919 Saskatchewan Drive
Regina, Saskatchewan S4P 4H2
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Counterfeit Cashier's Checks
First Farmers Bank and Trust Company, Converse, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061103056, which is assigned to Wachovia Bank, N.A., Buford, Georgia. First Farmers Bank and Trust Company issues its cashier's checks using a payable-through account at Wachovia Bank, N.A. The items are light tan and display a security feature statement embedded within a darkened top border and along the bottom border between two padlock icons. The phrase "AUTHORIZED SIGNATURE" is displayed below the signature line in the lower-right corner.
Authentic checks are green and display a security feature statement below the top border. A padlock security icon appears below the right side of the written dollar amount line.
Any information you have concerning this matter should be brought to the attention of:
Christy Williams
Security Officer
First Farmers Bank and Trust Company
120 South Broadway
Peru, Indiana 46970
Telephone: (765) 472-2700
Fax: (765) 472-3738
E-mail: Christy.Williams@ffbt.com
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Counterfeit Cashier's Checks
Cashmere Valley Bank, Cashmere, Washington, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 125104603, which is assigned to Cashmere Valley Bank. They are very similar to authentic cashier's checks; however, they have rounded corners.
Authentic checks include the bank's telephone number below the bank's name and address in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Connie L. Fritz
Chief Retail Operations Officer
117 Aplets Way
P.O. Box G
Cashmere, Washington 98815
Telephone: (509) 782-5403
Fax: (509) 782-2525
E-mail: cfritz@cashmerevalleybank.com
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Counterfeit Cashiers Checks
First Chicago Bank & Trust, Chicago, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashiers checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 271070953, which is assigned to First Chicago Bank & Trust. The items are similar to authentic cashiers checks; however, they display a security feature statement embedded within a darkened top border. Authentic cashiers checks display the bank's telephone number below the address.
Any information you have concerning this matter should be brought to the attention of:
Raymond Wengel
Senior Vice President
First Chicago Bank & Trust
1145 North Arlington Heights Road
Itasca, Illinois 60143
Telephone: (630) 250-9500
Fax: (630) 250-0935
E-mail: raymond.wengel@firstchicago.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Farmers State Bank, Northwood, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 073918569, which is assigned to Farmers State Bank. The items display the words "CASHIER'S CHECK" in the lower-left corner above a "PAYABLE THROUGH" statement. The words "TWO SIGNATURES REQUIRED" appear below the written dollar amount line. The words "AUTHORIZED SIGNATURES" appear below two signature lines in the lower-right corner of the items.
Authentic cashier's checks display the addresses of eight office locations around the bank's logo and name in the top-center area. A security feature statement appears below the written amount line, and the bank's name appears in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Jean Miller
Cashier
Farmers State Bank
P.O. Box 125
Joice, Iowa 50446
Telephone: (641) 588-3121
Fax: (641) 588-3621
E-mail: JeanMiller@fsbbanks.com
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Counterfeit Cashier's Checks
Sandy Spring Bank, Olney, Maryland, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 055001096, which is assigned to Sandy Spring Bank. The items are similar to authentic cashier's checks; however, the items display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons.
Authentic cashier's checks have ornate top and side borders and display a security feature statement below the top border. A security padlock icon appears above the written amount line on the right side of the authentic checks.
Any information you have concerning this matter should be brought to the attention of:
Frank D. Moran
Director of Corporate Security
Sandy Spring Bank
9112 Guilford Road
Columbia, Maryland 21046
Telephone: (301) 774-8485
Fax: (301) 260-3678
E-mail: fmoran@sandyspringbank.com
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Counterfeit Official Checks
Peoples Bank of the South, LaFollette, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 064206031, which is assigned to Peoples Bank of the South. The items are similar to authentic official checks; however, they have rounded corners and a security feature statement embedded within a darkened top border. Authentic official checks have ornate borders.
Any information you have concerning this matter should be brought to the attention of:
Brenda P. Mundy
Assistant Vice President of Operations
Peoples Bank of the South
106 West Central Avenue
LaFollette, Tennessee 37766
Telephone: (423) 562-4921
Fax: (423) 566-2383
E-mail: brendam@peoplesbanksouth.com
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Counterfeit Cashier's Checks
Farmers Deposit Bank, Eminence, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 083902701, which is assigned to Farmers Deposit Bank. The items are very similar to authentic cashier's checks; however, authentic checks are green with a cube design background.
Any information you have concerning this matter should be brought to the attention of:
Terry D. Lucas
Information Technology Manager and Head Bookkeeper
Farmers Deposit Bank
5230 South Main Street
Eminence, Kentucky 40019
Telephone: (502) 845-5639, Extension 19
Fax: (502) 845-5695
E-mail: terry.lucas@farmersdepositbank.com
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Counterfeit Cashier's Checks
First Bank Richmond, N.A., Richmond, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. First Bank Richmond, N.A. does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display the routing number 274970791, which is assigned to First Bank Richmond, N.A. The items are very similar to authentic official checks; however, they display the words "CASHIER'S CHECK" near the top-right corner. Authentic checks display the words "OFFICIAL CHECK" near the top-right corner.
Any information you have concerning this matter should be brought to the attention of:
Brian K. Robinson
Vice President and Controller
First Bank Richmond, N.A.
20 North 9th Street
P.O. Box 937
Richmond, Indiana 47374-0937
Telephone: (765) 962-2581, Extension 272
Fax: (765) 962-0538
E-mail: brobinson@firstbankrichmond.com
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Counterfeit Cashier's Checks
Center Bank, Los Angeles, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122041235, which is assigned to Center Bank. The items are dissimilar to authentic cashier's checks. A security feature statement is embedded within a darkened top border and along the bottom border between two padlock icons. An indemnity bond statement appears below the words "CASHIER'S CHECK" in the top center. The phrase "Void after 90 days" is centered below the written dollar amount line. The words "AUTHORIZED SIGNATURE" are above the signature line.
Authentic cashier's checks have ornate side and bottom borders. A security feature statement is embedded in a darkened top border. An indemnity bond statement is in the lower-left corner and the words "AUTHORIZED SIGNATURE" are below the signature line.
Any information you have concerning this matter should be brought to the attention of:
Elaine Choi
Vice President and Special Project Officer
Center Bank
3435 Wilshire Boulevard, Suite 700
Los Angeles, California 90010
Telephone: (213) 201-2356
Fax: (213) 386-7847
E-mail: ElaineC@centerbank.com
CSBS Seeks Comments on Federal Registry Fees
The Conference of State Bank Supervisors (CSBS) is seeking comments on its proposed fees for the National Mortgage Licensing System & Registry (NMLS).
The deadline for submitting comments is November 12.
The National Credit Union Administration and the federal banking agencies have contracted with the CSBS's State Regulatory Registry to modify the NMLS to accommodate registrations by credit unions and banks as required by the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).
The SAFE Act will require credit union "mortgage loan originators" (MLO) and their employing institutions to register with the NMLS. The registry is expected to be available in January 2011. "The NMLS website adds additional information every week, so we hope to see the actual registration procedures loaded some time in November," said Valerie Moss, Credit Union National Association (CUNA) director of compliance information.
CUNA encourages credit unions to comment of the following proposed fees:
Registered MLO fees:
● Initial federal registration:
o $30 if completed between January 1 and June 30;
o $60 if completed between July 1 and December 1
● Annual renewal fee: $30
● Change in employment processing fee: $30
● Criminal background check:
o Electronic fingerprints: $39
o Paper fingerprints: $49
Employing Institution Fees:
● Initial institution filing: $100
● Annual institution renewal: $100
● Two-factor authentication annual subscription: $70
Please send your comments to CUNA via e-mail at cucomply@cuna.com or to the CSBS at comments@stateregulatoryregistry.com by Nov. 12. Letters may also be submitted by postal mail to the CSBS address listed at the end of the proposal.
For more information on the SAFE Act, visit CUNA's compliance Web page at www.cuna.com and stay tuned for CUNA's Dec. 9 SAFE Act Webinar with guest speakers from CSBS and NCUA. Details will be available on the CUNA training Web page by the end of the week.
Click for access:
● NMLS Federal Registry Fee Proposal
● NMLS Resource Center Web Page
● CPD Training Web Page
● CUNA Compliance Page
CUNA News Now
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
First Community Bank of East Tennessee, Rogersville, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 064204075, which is assigned to First Community Bank of East Tennessee. The items display a security feature statement embedded within a darkened top border. The word "Memo" is displayed in the lower-left corner and one signature line is displayed in the lower-right corner.
First Community Bank issues cashier's checks, and authentic cashier's checks display a vertical security feature statement and padlock icon within the right border. They display a "NOTICE" statement and the word "REMITTER" in the top-left corner. The words "Cashiers Check" appear in the top-right corner. Two signature lines appear in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Matthew Branham
Senior Vice President
First Community Bank of East Tennessee
P.O. Box 820
Rogersville, Tennessee 37857
Telephone: (423) 272-5800
Fax: (423) 723-1029
E-mail: branham@fcbanktn.com
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Counterfeit Cashier's Checks
Benchmark Community Bank, Kenbridge, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. Benchmark Community Bank does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display the routing number 011007092, which is assigned to The Bank of New York Mellon, Everett, Massachusetts. Benchmark Community Bank issues its money orders through Money Gram Payment Systems, Incorporated, Minneapolis, Minnesota, using an account at The Bank of New York Mellon.
There are two similar versions of the counterfeit items. Both counterfeit items display the words "CASHIER'S CHECK" in the top-center area and the check amount, date and number in the top-right corner. An "ISSUED BY" and "DRAWEE" statement also appears in the top-right corner. The word "Remitter" appears under the payee section in the left side of the items.
Authentic official checks have two single lines as borders on all sides. The words "OFFICIAL CHECK" are displayed in the top-right corner. An "ISSUED BY" and "DRAWEE" statement is in the top center. Lines for the "NAME OF REMITTER" and the "ADDRESS" appear in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Nicole Martin
Customer Relations and Compliance Officer
Benchmark Community Bank
100 South Broad Street
P.O. Box 569
Kenbridge, Virginia 23944
Telephone: (434) 676-9054
Fax: (434) 676-2703
E-mail: nicole.martin@bcbonline.com
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Counterfeit Treasury Checks
Bangor Savings Bank, Bangor, Maine, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit treasurer's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211274382, which is assigned to Bangor Savings Bank. The items display a security feature statement embedded within a darkened top border and between two padlock icons along the bottom border. The words "TREASURER'S CHECKS" are in the top center.
Authentic treasurer's checks are blue and have ornate top and side borders. A security feature statement is displayed below the top borders.
Any information you have concerning this matter should be brought to the attention of:
Vicky Lachance
Security Officer
Bangor Savings Bank
19 Maine Avenue
Bangor, Maine 04401
Telephone: (207) 942-5211, extension 4401
Fax: (207) 941-2707
E-mail: vicky.lachance@bangor.com
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Counterfeit Cashier's Checks
Redding Bank of Commerce, Redding, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 121139287, which is assigned to Redding Bank of Commerce. The items are similar to authentic cashier's checks; however, they are light blue in color. A security feature statement is embedded within a darkened top border with rounded corners. The bank's name and a logo are in the top-center area.
Authentic cashier's checks graduate in color from tan to light pink to light tan and have ornate borders.
Any information you have concerning this matter should be brought to the attention of:
Sara Rose Ahonen
Assistant Vice President and Bank Secrecy Act Officer
Redding Bank of Commerce
1951 Churn Creek Road
Redding, California 96002
Telephone: (530) 224-7318
Fax: (530) 221-4853
E-mail: sararosea@reddingbankofcommerce.com
Bridgeport Chapter News
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Updated information will go here.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
First Federal Bank, F.S.B., Kansas City, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 301071592, which is assigned to First Federal Bank, F.S.B. The items are markedly dissimilar to authentic cashier's checks. A border is shown on all four sides. A security feature statement is shown below the top border and vertically along the right side. The written dollar amount is contained within a rectangle. The word "MEMO" is in the lower-left corner.
Authentic cashier's checks are blue and have the words "CASHIERS CHECK" centered inside a rectangle with rounded corners in the top-center area. The word "Remitter" and a "NOTICE TO CUSTOMERS" are in the lower-left corner. The words "Authorized Signature" appear below the signature line in the lower-right corner.
Copies of a counterfeit item and an authentic check (VOID) are attached for your review. Be aware that the appearance of counterfeit items can be modified and that additional variations may be presented.
Any information you have concerning this matter should be brought to the attention of:
Krysia Gornicki
Assistant Controller
First Federal Bank, FSB
6900 North Executive Drive
Kansas City, Missouri 64120
Telephone: (816) 245-4123
Fax: (816) 245-4247
E-mail: krysiagornicki@firstfedbankkc.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Commonwealth Business Bank, Los Angeles, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122043864, which is assigned to Commonwealth Business Bank. The items are markedly dissimilar to authentic cashier's checks. The words "CASHIERS CHECK" are centered below the top border. The bank's name and an incorrect address ("5455 Wilshire Blvd, Suite 2100") appear to the left of a logo that is not associated with the bank in the top-left corner. The word "MEMO" is in the lower-left corner and a security padlock icon is along the right border. One signature line is in the lower-right corner.
Authentic cashier's checks display the routing number 122042205, which is assigned to Preferred Bank, Los Angeles, California. Commonwealth Business Bank issues its cashier's checks through Preferred Bank, Los Angeles, California. The bank's name, logo (a darkened box containing initials "cbb"), correct address ("5055 Wilshire Blvd., Suite 840"), and telephone number are in the top-center area. The words "Cashier's Check" and "PAYABLE THROUGH PREFERRED BANK, LOS ANGELES, CA" are in the lower-left corner. Two signature lines are in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Jasmine Kim
First Vice President and Operations Administrator
Commonwealth Business Bank
5055 Wilshire Boulevard, Suite 840
Los Angeles, California 90036
Telephone: (323) 988-3010
Fax: (323) 988-3001
E-mail: jasmine@cwbbank.com
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Counterfeit Cashier's Checks
Liberty Bank and Trust Company, New Orleans, Louisiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 065002108, which is assigned to Liberty Bank and Trust Company. The items are dissimilar to authentic cashier's checks. A security feature statement is embedded within a darkened top border and along the bottom border between two padlock icons. The signature is shown inside of a darkened rectangle in the lower-right corner and a "VOID" background is shown when copied.
Authentic cashier's checks are light blue with a basket-weave background. Checks have an ornate border on all sides and are perforated along the left side. The numerical amount is shown inside of a darkened rectangle. Two signatures lines are in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Calvin Kaufmann
Vice President of Operations
Liberty Bank and Trust Company
P.O. Box 60131
New Orleans, Louisiana 70160
Telephone: (504) 240-5109
Fax: (504) 240-2720
E-mail: ckaufmann@libertybank.net
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Counterfeit Cashier's Checks
Mid-Wisconsin Bank, Medford, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091502973, which is assigned to Mid-Wisconsin Bank. The items are markedly dissimilar to authentic cashier's checks and have a scroll design border on the top and sides. The words "Cashier's Check" (with an apostrophe) are inside of a rectangle in the top center. A security feature statement is repeated on each side of the rectangle. The word "REMITTER" is in the lower-left corner and an indemnity bond statement is along the bottom. The words "AUTHORIZED SIGNATURE" are shown below one signature line in the lower-right corner.
Authentic cashier's checks are light green and display the words "CASHIERS CHECK" (without an apostrophe) in the top-center area. A padlock icon and vertical security feature statement are centered in the right border. The word "REMITTER" is below the bank's logo, name and address in the top-left corner. The restrictive statement, "2 SIGNATURES REQUIRED IF OVER $50,000" is displayed below two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Mid-Wisconsin Bank
Call Center Operations
132 West State Street
Medford, Wisconsin 54451
Telephone: (715) 748-8300
Fax: (715) 748-6553
E-mail: netconnection@midwisc.com
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Counterfeit Official Checks
The Union Bank, Marksville, Louisiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061103056, which is assigned to Wachovia Bank, N.A., Winston-Salem, North Carolina. The Union Bank issues its official checks through Moneygram Payment Systems, Inc., Minneapolis, Minnesota, using a payable through account with Wachovia Bank, N.A.
The items are similar to authentic official checks; however, the state name is misspelled as "Louisana" in the top-left corner. Counterfeit items have ornate scroll borders on the top and sides with a square at each top corner and a circle at each bottom corner. A written dollar amount line is in the center.
Authentic official checks have ornate borders along all four edges. There is no written dollar amount line; instead, the amount is embossed. A solid blue rectangle is shown between the "PAY TO THE ORDER OF" and numeric dollar amount lines.
Any information you have concerning this matter should be brought to the attention of:
Vickie Laborde
Assistant Cashier and Head Bookkeeper
The Union Bank
305 North Main Street
Marksville, Louisiana 71351
Telephone: (318) 253-4531, extension 236
Fax: (318) 253-9163
E-mail: vml@ubbanking.com
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Counterfeit Cashier's Checks
The Ozona National Bank, Ozona, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111312182, which is assigned to The Ozona National Bank. The items are dissimilar to authentic cashier's checks. They have a marbled background and rounded corners. The written and numeric dollar amounts are each shown inside of oblong circles. The phrase "TWO SIGNATURES REQUIRED OVER $5,000.00" is in the lower-right corner.
Authentic cashier's checks are beige and have double-framed orange borders. The phrase "TWO SIGNATURES REQUIRED OVER $3,000.00" is in the lower-right corner. A padlock icon is shown at the right end of the second signature line.
Any information you have concerning this matter should be brought to the attention of:
Chris Smith
Vice President
The Ozona National Bank
101 River Road
Wimberley, Texas 78676-0528
Telephone: (512) 847-8200
Fax: (512) 847-2497
E-mail: chriss@ozonabank.com
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Counterfeit Official Checks
Community Bank, Carmichaels, Pennsylvania, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 043310980, which is assigned to Community Bank. The items display a security feature statement embedded within a darkened top border and along the bottom border between two padlock icons. The words "OFFICIAL CHECK" are in the top center and the word "REMITTER" is displayed in the lower-left corner. One signature line appears in the lower-right corner.
Authentic official checks are green and display the words "OFFICIAL CHECK" below the end of the written dollar amount line on the right side. Two signature lines appear in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Marlene C. Walker
Senior Vice President of Operations
Community Bank
100 North Market Street
Carmichaels, Pennsylvania 15320
Telephone: (724) 966-3260
Fax: (724) 966-5182
E-mail: mwalker@communitybank.tv
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Counterfeit Treasurer's Checks
Colonial Federal Savings Bank, Quincy, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit treasurer's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211370626, which is assigned to Colonial Federal Savings Bank. The items are dissimilar to authentic treasurer's checks. A security feature statement is shown along the bottom border between two padlock icons. Except for the signature line, the counterfeit items do not display lines.
Authentic treasurer's checks are light blue in color with a marbleized background. Checks have a "VOID" background when copied. Lines are shown for the "DATE," "PAY TO THE ORDER OF," numeric dollar amount, and written dollar amount fields.
Any information you have concerning this matter should be brought to the attention of:
Mary Kuropatkin
Vice President of Retail Banking
Colonial Federal Savings Bank
15 Beach Street
Quincy, Massachusetts 02170
Telephone: (617) 471-0750
Fax: (617) 328-5120
E-mail: kuropatkin@colonialfed.com
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Counterfeit Cashier's Checks
Timberwood Bank, Tomah, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 075918130, which is assigned to Timberwood Bank. The items are similar to authentic cashier's checks; however, they display the word "REMITTER" in the lower-left corner.
Authentic cashier's checks are light red in color with a marbleized background. The bank's logo (trees) is displayed behind the bank's name in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Dennis Peters
Security Officer
Timberwood Bank
110 West Veterans Street
Tomah, Wisconsin 54660
Telephone: (608) 372-2265
Fax: (608) 372-3757
E-mail: dpeters@timberwoodbanks.com
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Suspicious Telephone Calls Claiming to be from the FDIC
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of suspicious telephone calls where the caller claims to represent the FDIC and is calling regarding the collection of an outstanding debt.
To date, the callers have alleged that the call recipient is delinquent in payment of a loan that was applied for over the Internet or made through a payday lender. The loan may or may not actually exist. The caller attempts to authenticate the claim by providing sensitive personal information, such as name, Social Security number, and date of birth, supposedly taken from the loan application. The recipient is then strongly urged to make a payment over the phone to "avoid a lawsuit and possible arrest." In some instances, the caller is said to sound aggressive and threatening.
These suspicious telephone calls are fraudulent. Recipients should consider them as an attempt to steal money or collect personal identifying information. The FDIC generally does not initiate unsolicited telephone calls to consumers and is not involved with the collection of debts on behalf of operating lenders and financial institutions.
If a caller demonstrates that he or she has the recipient's sensitive personal information, such as Social Security number, date of birth, and bank account numbers, the recipient may be the victim of identity theft and should review his or her credit reports for signs of possible fraud. The individual should also consider placing a "fraud alert" on his or her credit reports. This can be done by contacting one of the three consumer reporting companies listed below. Only one of the three companies needs to be contacted. That company is required to contact the other two, which will place an alert on their versions of the report.
• TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, California 92834-6790
• Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, Georgia 30374-0241
• Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9554, Allen, Texas 75013
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
Air Academy Federal Credit Union, Colorado Springs, Colorado, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 092005411, which is assigned to First Interstate Bank, Helena, Montana. Air Academy Federal Credit Union issues its official checks through a payable-through account held at First Interstate Bank.
The items are similar to authentic official checks. However, the counterfeit items display a security feature statement embedded within a darkened top border and above the bottom border in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Carolyn L. Marsala
Fraud Specialist
Air Academy Federal Credit Union
9810 North Union Boulevard
Colorado Springs, Colorado 80924-5002
Telephone: (800) 223-1983, extension 1044
Fax: (719) 535-8782
E-mail: cmarsala@aafcu.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Personal Money Orders
C US Bank, Cresco, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit personal money orders bearing the institution's name are in circulation.
The counterfeit items display the routing number 073903286, which is assigned to C US Bank. The items are similar to authentic personal money orders; however, the items display "Remitter:" above the words "Personal Money Order" in the lower-left corner.
Authentic personal money orders have ornate borders. The words "PERSONAL MONEY ORDER" are embedded within the top border. An "ADDRESS" line is displayed below the "SIGNATURE" LINE in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Michael W. Drees
Security Officer
Cresco United Savings Bank
111 North Elm Street
Cresco, Iowa 52136
Telephone: (563) 547-2040
E-mail: michaeld@cusb.com
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Counterfeit Cashier's Checks
Copper Star Bank, Scottsdale, Arizona, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122105799, which is assigned to Copper Star Bank. The items are markedly dissimilar to authentic cashier's checks. The counterfeit items are light blue with double-lined borders on the sides and bottom. A security feature statement is centered below the top border. The bank's name is displayed in the top-left corner, and the word "REMITTER" is displayed in the lower-left corner.
Authentic cashier's checks transition from beige to light blue and display the words "SECURITY DOCUMENT" repeated as a background. A security foil strip hologram is across the top. The words "CASHIER'S CHECK" are inside of a rectangle in the top-center area. The bank's name and telephone number are in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Lyle Muller
Vice President and Security Director
Copper Star Bank
7555 East Redfield Road
Scottsdale, Arizona 85260
Telephone: (480) 905-4068
Fax: (480) 556-6400
E-mail: lmuller@copperstarbank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Forcht Bank, National Association, Lexington, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 042108397, which is assigned to Forcht Bank, National Association. The items are similar to authentic cashier's checks; however, they display a vertical security feature statement and padlock icon along the right border.
Authentic cashier's checks are green and printed black. The check number is red. The bank's Web site address is shown below the bank's address in the top-left corner. The words "ORIGINAL DOCUMENT" are displayed in white print on the back of the checks.
Any information you have concerning this matter should be brought to the attention of:
Forcht Bank Deposit Operations
2721 Old Rosebud, Suite 105
Lexington, Kentucky 40509
Telephone: (859) 266-0518
Fax: (859)266-0159
E-mail: lieastridge@forchtbank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Bank Checks
The Old Fort Banking Company, Old Fort, Ohio, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit bank checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 041212637, which is assigned to The Old Fort Banking Company. The items are markedly dissimilar to authentic cashier's checks. They are blue with blue borders and have a padlock icon and vertical security feature statement embedded in the right border. The bank name and address ("231 State Street, Beltsville, OH") are shown in the top-left corner. The words "AUTHORIZED SIGNATURE" appear below the signature line in the lower-right corner.
Authentic cashier's checks are yellow with ornate borders. The words "CASHIER'S CHECK" are inside a rectangle with ornate arrows at each end in the top-center area. A padlock icon and security feature statement appear to the right of the word "DOLLARS" at the end of the written dollar amount line. A "NOTICE TO CUSTOMER" is displayed in the top-left corner. The bank's name, logo, motto and "MEMBER FDIC" are in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Ruth A. Zoeller
Chief Internal Auditor and Security Officer
The Old Fort Banking Company
33 East Market Street
P.O. Box 627
Tiffin, Ohio 44883
Telephone: (419) 447-1513, extension 1531
Fax: (419) 447-4925
E-mail: rzoeller@oldfortbank.com
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Counterfeit Treasurer's Checks
Century Bank and Trust Company, Somerville, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit treasurer's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 011301390, which is assigned to Century Bank and Trust Company. The items are similar to authentic treasurer's checks; however, they display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. They also display a "VOID" background when copied.
Authentic checks are gray and display a vertical security feature statement along the right border.
Any information you have concerning this matter should be brought to the attention of:
Gracine Copithorne
Security Officer
Century Bank and Trust Company
400 Mystic Avenue
Medford, Massachusetts 02155
Telephone: (781) 393-4066
Fax: (781) 393-4059
E-mail: gcopithorne@century-bank.com
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Counterfeit Cashier's Checks
American State Bank, Sioux Center, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 073917641, which is assigned to American State Bank. The items are similar to authentic cashier's checks and display the following statement above the signature lines: "TWO SIGNATURES REQUIRED ON AMOUNTS OVER $500,000.00."
Authentic checks are tan and have a darkened stripe across the top. The checks display the following statement above the signature lines: "TWO SIGNATURES REQUIRED ON AMOUNTS OVER $10,000.00."
Any information you have concerning this matter should be brought to the attention of:
Arlin Roskam
Vice President and Chief Operating Officer
American State Bank
525 North Main
Sioux Center, Iowa 51250
Telephone: (712) 722-4846
Fax: (712) 722-3819
E-mail: arlin.roskam@ambankiowa.com
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Counterfeit Cashier's Checks
Empire Bank, Springfield, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 086518477, which is assigned to Empire Bank. The items are very similar to authentic cashier's checks; however, authentic checks have double-lined borders.
Any information you have concerning this matter should be brought to the attention of:
Cindy Harding
Vice President
Empire Bank
P.O. Box 3397
Springfield, Missouri 65808
Telephone: (417) 841-4455
Fax: (417) 841-4456
E-mail: cindy_harding@empirebank.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Athens Federal Community Bank, Athens, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 264271183, which is assigned to Athens Federal Community Bank. The items are dissimilar to authentic cashier's checks and display a padlock icon and a vertical security feature statement along the right side. The words "CASHIER'S CHECK" appear in the top-left corner. The bank's name and address are in the top center. A heat-sensitive icon appears near the bottom of the items. A second padlock icon appears to the right side of the signature line in the lower-right corner.
Authentic cashier's checks are blue with ornate borders. The words "MAIN OFFICE CASHIER CHECK" appear on the right side above the signature line. The bank's name, city, state and ZIP code are in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Don Long
Assistant Vice President and Security Officer
Athens Federal Community Bank
P.O. Box 869
Athens, Tennessee 37371-0869
Telephone: (423) 745-1111, extension 1148
Fax: (423) 745-1528
E-mail: donl@athensfederal.com
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Counterfeit Official Checks
American Union Savings and Loan Association, S.B., Chicago, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071000301, which is assigned to the Federal Reserve Bank of Chicago. The items are blue and display a security feature statement embedded within the top border. The words "OFFICIAL CHECK" appear near the top-right corner. The "CHECK DATE," "CHECK NUMBER" and "CHECK AMOUNT" appear as a table on the right side. The statement "VOID IF NOT CASHED IN 90 DAYS" appears above the table.
Authentic checks display a vertical security feature statement and padlock icon embedded within the right border. The bank's logo appears to the left with its name and address in the top-left corner. Two microprint signature lines appear in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Daniel H. Brandt
Secretary
American Union Savings and Loan Association, S.B.
2601 West Division Street
Chicago, Illinois 60622
Telephone: (773) 342-2711
Fax: (773) 342-9511
E-mail: dbrandt@rcn.com
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Counterfeit Official Checks
CoreFirst Bank & Trust, Topeka, Kansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 101100728, which is assigned to CoreFirst Bank & Trust. The items are gray and display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. One microprint "AUTHORIZED SIGNATURE" line appears in the lower-right corner.
Authentic official checks are blue with ornate top and side borders. The words "OFFICIAL CHECK" appear inside of a box at the top center. A security feature statement appears just below the top border on either side of the box. A signature box for the "Senior Vice President" appears in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Anne E. Johnson
Fraud Specialist
CoreFirst Bank & Trust
3035 South Topeka Boulevard
Topeka, Kansas 66611
Telephone: (785) 267-8733
Fax: (785) 267-8461
E-mail: ajohnson@cbtks.com
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Counterfeit Official Checks
Bank Mutual, Brown Deer, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 275071330, which is assigned to Bank Mutual. The items are dissimilar to authentic official checks. The counterfeit items are light blue and have ornate top and side borders. They display the words "OFFICIAL CHECK" inside of a box that is embedded in the center of the top border. Security feature statements are shown on either side of the box, just below the top border.
Authentic official checks have borders on all four sides. They display a security features statement centered at the top just below the top border and above the words "OFFICIAL CHECK." The bank's logo, name and slogan are shown in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Cynthia A. Frank
Vice President and Security Officer
Bank Mutual
4949 West Brown Deer Road
Milwaukee, Wisconsin 43224
Telephone: (414) 354-1500
Fax: (414) 371-8391
E-mail: cfrankwis@bankmutual.com
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Counterfeit Cashier's Checks
First Suburban National Bank, Maywood, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071921707, which is assigned to First Suburban National Bank. The items are markedly dissimilar to authentic cashier's checks. They display a security feature statement embedded in a darkened top border. The words "Cashier's Check" and a "Notice to Purchaser" statement appear in the top center. The bank's name and logo appear in the top-left corner within a darkened box. The bank's name and location are displayed in the lower-left corner. One signature line appears in the lower-right corner above the statement "Counter Signed if amount over $5,000."
Authentic cashier's checks are green and display a padlock icon and vertical security feature statement along the right edge. The words "CASHIER'S CHECK," a purchase statement, and a "COMMENT" line are displayed in the lower-left corner. The bank's name and logo are in the top center. The bank's name is displayed below the numerical amount line and above the signature line on the right side of the checks.
Any information you have concerning this matter should be brought to the attention of:
Stella R. Kendziora
Assistant Cashier
First Suburban National Bank
150 South 5th Avenue
Maywood, Illinois 60153
Telephone: (708) 450-4100, extension 317
Fax: (708) 450-1908
E-mail: skendziora@firstsuburbanbank.com
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Counterfeit Cashier's Checks
O'Bannon Banking Company, Buffalo, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 081505702, which is assigned to O'Bannon Banking Company. The items are similar to authentic checks; however, the counterfeit items have ornate borders. Authentic cashier's checks are gray and have a single-line border.
Any information you have concerning this matter should be brought to the attention of:
Janet Turner
Vice President and Cashier
O'Bannon Banking Company
119 South Maple Street
Buffalo, Missouri 65622
Telephone: (417) 345-2251, extension 2402
Fax: (417) 345-6116
E-mail: jturner@obannonbank.com
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Counterfeit Cashier's Checks
The First National Bank of Seiling, Seiling, Oklahoma, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 103106283, which is assigned to The First National Bank of Seiling. The items are similar to authentic cashier's checks; however, when copied they have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "Cashier's Check" are shown below the written dollar amount line on the right side. An indemnity bond statement is in the lower-left corner. The bank's logo, name and "P.O. Box 10, Selling [misspelled], OK" are in the top-center area.
Authentic cashier's checks display a padlock icon and vertical security statement along the right side. Cashier's checks with amounts greater than $1,000.00 will bear two signatures.
Any information you have concerning this matter should be brought to the attention of:
Kirk Pittman
President
The First National Bank of Seiling
P.O. Box 10
301 North Main
Seiling, Oklahoma 73663
Telephone: (580) 922-4211
Fax: (580) 922-4213
E-mail: kirk@fnbseiling.com
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Counterfeit Cashier's Checks
The Brenham National Bank, Brenham, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 113117194, which is assigned to The Brenham National Bank. The items are dissimilar to authentic cashier's checks and, when copied, have a "VOID" background. A security feature statement is embedded within a darkened top border and along the bottom border between two padlock icons. The words "CASHIER'S CHECK" are shown in the lower-right corner below the signature line. The words "CHECK DATE," "CHECK NUMBER" and "CHECK AMOUNT" are shown in a box above the signature line.
The Brenham National Bank issues two different types of authentic cashier's checks:
The first type of authentic check displays the words "CASHIER'S CHECKS" above the signature line. A security feature statement is embedded within a darkened bottom border. A "NOTICE TO CUSTOMERS" is in the lower-left corner.
The second type of authentic check displays the words "Cashier's Check" in the top-right corner. The statement "TWO SIGNATURES REQUIRED OVER $10,000.00" appears below two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
David Kiemsteadt
Senior Vice President
The Brenham National Bank
P.O. Box 2568
2211 South Day Street
Brenham, Texas 77833
Telephone: (979) 836-4571
Fax: (979) 836-1408
E-mail: dkiemsteadt@bnbank.com
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Counterfeit Cashier's Checks
MERCO Credit Union, Merced, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. Merco Credit Union does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display a fictitious routing number, 321173386. The items also display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. The words "CASHIER'S CHECK" appear near the top center along with a purchase statement. The statement "Void after 90 days" appears below the written dollar amount line.
Authentic official checks display the routing number 092005411, which is assigned to First Interstate Bank, Helena, Montana. MERCO Credit Union issues its official checks through a payable-through account held at First Interstate Bank. The checks display a security feature statement below the top border. The words "OFFICIAL CHECK" appear in the top-right corner.
Any information you have concerning this matter should be brought to the attention of:
David W. Ness
Chief Financial Officer and Vice President of Finance and Information Systems
MERCO Credit Union
1911 M Street
Merced, California 95340
Telephone: (209) 354-4280
Fax: (209) 354-4005
E-mail: cfo@merco.org
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Counterfeit Treasurer Checks
East Cambridge Savings Bank, Cambridge, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit treasurer checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211370419, which is assigned to East Cambridge Savings Bank. The items are dissimilar to authentic treasurer checks and display one signature line in the lower-right corner. The word "Reference" is below the word "DATE" on the right side.
Authentic treasurer checks display a security feature statement embedded within a darkened top border. The statement "TWO SIGNATURES REQUIRED OVER $50,000" is below two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
John P. Mahoney
Senior Vice President
East Cambridge Savings Bank
292 Cambridge Street
Cambridge, Massachusetts 02141
Telephone: (617) 354-7700
Fax: (617) 551-2580
E-mail: jpmahoney@ecsb.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
First National Bank of Baird, Baird, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111304912, which is assigned to First National Bank of Baird. The items display a security feature statement embedded in a darkened top border. The word "REMITTER" is displayed in the top-left corner. A "NOTICE TO CUSTOMERS" statement appears in the lower-left corner above a "MEMO" line. The words "Cashier's Check" appear below the amount line on the right side of the items.
Authentic checks are tan and have ornate borders. A security padlock icon and vertical statement are embedded in the right border. Authentic checks do not bear a check-type designation.
Any information you have concerning this matter should be brought to the attention of:
Betsy Robbins
Vice President
First National Bank of Baird
P.O. Box 968
Baird, Texas 79504
Telephone: (325) 854-1295
Fax: (325) 854-2442
E-mail: betsy@fnbbaird.com
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Counterfeit Cashier's Checks
Virginia Company Bank, Newport News, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 051409304, which is assigned to Virginia Company Bank. The items are dissimilar to authentic cashier's checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "CASHIER'S CHECK" are top-centered. The bank's name, location and a toll-free number, not associated with the bank, is in the top left corner.
Authentic cashier's checks are gray and have a security feature statement embedded in a darkened bottom border. The words "CASHIER'S CHECK" are centered above the signature area in the lower right corner. The bank's logo, P.O. Box, and location are in the top left corner.
Any information you have concerning this matter should be brought to the attention of:
Robin G. Weaver
Bank Security Officer
Virginia Company Bank
601 Thimble Shoals Boulevard
Suite 201
Newport News, Virginia 23606
Telephone: (757) 327-0128
Fax: (757) 596-6331
E-mail: robin.weaver@vacompanybank.com
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Counterfeit Cashier's Checks
Franklin Federal Savings Bank, Glen Allen, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
Franklin Federal Savings Bank does not issue cashier's check; however, it does issue an undesignated type bank check.
The counterfeit items display the routing number 251072968, which is assigned to Franklin Federal Savings Bank. The items are markedly dissimilar to authentic checks. The counterfeit items are light blue with a star design background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. The words "CASHIER'S CHECK" and "MEMBER FDIC" are displayed near the top-right corner. Fields for "CHECK DATE," "CHECK NUMBER" and "CHECK AMOUNT" appear within a box on the right side. The statement "VOID IF NOT CASHED IN 90 DAYS" appears above the box.
Authentic checks are speckled gray/blue on a white background. The bank logo (a gold column), name, address and telephone number are in the top-left corner. A security feature statement is embedded within a darkened top border. The check number is printed in red. The statement "Over $25,000.00 TWO SIGNATURES REQUIRED" appears above two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Star Garone
Retail Operations Supervisor and Analyst
Franklin Federal Savings Bank
4501 Cox Road
P.O. Box 5310
Glen Allen, Virginia 23058-5310
Telephone: (804) 967-7000
Fax: (804) 967-7043
Email: sgarone@franklinfederal.com
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Counterfeit Cashier's Checks
First State Bank, Mesquite, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111923898, which is assigned to First State Bank. The items are very similar to authentic cashier's checks; however, the payee name and date are handwritten. A security feature statement is embedded in darkened top and bottom borders.
Authentic cashier's checks are blue/gray and display a telephone number in the top center.
Any information you have concerning this matter should be brought to the attention of:
Brenda Sanders
Vice President and Cashier
First State Bank
917 Military Parkway
Mesquite, Texas 75149
Telephone: (972) 285-6311
Fax: (972) 289-8042
E-mail: bsanders@firststatebank.com
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Counterfeit Official Checks
Bank of the West, Grapevine, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
Bank of the West does not issue official checks; however, it does issue cashier's checks.
The counterfeit items display the routing number 111916724, which is assigned to Bank of the West. The items are dissimilar to authentic cashier's checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "OFFICIAL CHECK" appear in the top-left corner below the bank's name. The statement "THE AMOUNT OF WORDS MUST MATCH THE AMOUNT IN NUMBERS" is repeated as background behind the written dollar amount.
Authentic cashier's checks are pink with an ornate border. The words "CASHIER'S CHECK" are near the top center. The bank's logo (horse head), name, location, telephone number and "REMITTER" are in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Debbi Jordan
BSA Officer
Bank of the West
108 West Northwest Highway
Grapevine, Texas 76051
Telephone: (817) 310-1942
Fax: (817) 796-1570
E-mail: djordan@bnkwest.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
Enterprise Bank of South Carolina, Ehrhardt, South Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053202871, which is assigned to Enterprise Bank of South Carolina. The items have a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. The words "OFFICIAL CHECK" are in the top-right corner.
Enterprise Bank of South Carolina does not issue official checks; however, it does issue bank money orders that are blue with the bank's logo repeated as background. A silver eagle hologram is shown at the top. A security feature statement is embedded in darkened top and bottom borders. Bank money orders are printed on chemical reactive paper, and the pink rectangle containing the dollar amount, when rubbed or breathed upon, fades and then gradually returns to normal.
Any information you have concerning this matter should be brought to the attention of:
Rachel B. Gohagan
Operations Supervisor
Enterprise Bank of South Carolina
13497 Broxton Bridge Road
Ehrhardt, South Carolina 29081
Telephone: (803) 267-2408
Fax: (803) 267-2316
E-mail: rgohagan@ebanksc.com
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Counterfeit Treasurer's Checks
Domestic Bank, Cranston, Rhode Island, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit treasurer's checks bearing the institution's name are in circulation.
The counterfeit items are green or blue, and display the routing number 211574833, which is assigned to Domestic Bank. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. The words "TREASURE'S CHECK" are in the top center.
Authentic checks are light blue and display the words "TREASURERS CHECK" in the top center.
Any information you have concerning this matter should be brought to the attention of:
Rick Dubois
Security Officer
Domestic Bank
815 Reservoir Avenue
Cranston, Rhode Island 02910
Telephone: (401) 942-1600, extension 315
Fax: (401) 943-6783
E-mail: rdubois@domestic.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
First Bank of Jacksonville, Jacksonville, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. First Bank of Jacksonville does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display the routing number 063013597, which is assigned to First Bank of Jacksonville. The items have ornate borders and display the words "1ST BANK" and "24 HOUR BANKING" in the top-center area. The words "CASHIER'S CHECK" and a "Notice to Purchaser" appear in the lower-left corner. One signature line appears in the lower-right corner.
Authentic official checks are light blue and white. The checks have top and side borders with security statements embedded within. The words "First Bank" and the bank's logo are displayed in the top center. The words "OFFICIAL CHECK" are displayed in the lower-left corner. Two signature lines appear in the lower-right corner under the restrictive feature statement "TWO SIGNATURES ARE REQUIRED FOR AMOUNTS OVER $2,500.00."
Any information you have concerning this matter should be brought to the attention of:
Margaret O. Saoud
Vice President, Compliance and Bank Secrecy Act Officer
First Bank of Jacksonville
11100 San Jose Boulevard
Jacksonville, Florida 32223
Telephone: (904) 262-1849
Fax: (904) 262-5413
E-mail: msaoud@fboj.net
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Counterfeit Cashier's Checks
MB Financial Bank, Chicago, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's former name, Broadway Bank, are in circulation.
The counterfeit items display the routing number 071002419, which is assigned to MB Financial Bank. The items are very similar to authentic cashier's checks. However, authentic checks are yellow and display the security feature statement "CHECKS OVER $1,000.00 REQUIRE TWO SIGNATURES" below the payee line.
Any information you have concerning this matter should be brought to the attention of:
Michelle Mercer
Assistant Vice President
MB Financial Bank
6111 N River Road
Rosemont, Illinois 60018
Telephone: (847) 653-1009
Fax: (847) 653-2283
E-mail: mmercer@mbfinancial.com
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Counterfeit Cashier's Checks
Qualstar Credit Union, Bellevue, Washington, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 325081966, which is assigned to Qualstar Credit Union. The items are similar to authentic official checks; however, authentic checks are light brown with darkened top and bottom borders.
Any information you have concerning this matter should be brought to the attention of:
Sean Young
Risk Manager
Qualstar Credit Union
P.O. Box 96730
Bellevue, Washington 98009
Telephone: (425) 460-3875
Fax: (425) 460-3928
E-mail: seany@qualstarcu.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Sutton Bank, Attica, Ohio, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 041208777, which is assigned to Sutton Bank. They are dissimilar to authentic cashier's checks and are tan with a double line border and outer white margin. A security feature statement is centered between the top border and the bank's name in the top center. An artificial watermark is printed on the reverse side.
Authentic cashier's checks are yellow and have ornate borders. A security padlock and vertical security statement are embedded within the right border. The bank's city, state and postal ZIP code are shown below the bank's name in the top center.
Any information you have concerning this matter should be brought to the attention of:
Ann E. Akers
Vice President of Branch Operations and Security
Sutton Bank
1 South Main Street
P.O. Box 505
Attica, Ohio 44807
Telephone: (419) 756-2449, extension 220
Fax: (419) 756-2403
E-mail: aakers@suttonbank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
1st Equity Bank Northwest, Buffalo Grove, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071926333, which is assigned to 1st Equity Bank Northwest. The items have ornate borders and display the bank's name and location near the top-left corner. The words "DATE" and "Remitter" appear near the top-right corner. A padlock security icon appears on the right side of the items, below the written amount line. The words "CASHIER'S CHECK" appear below the written amount line on the left side of the items. One signature line appears in the lower-right corner.
Authentic cashier's checks display a security feature statement embedded in a darkened top border. The bank's name, location and icon are displayed in the top center. The word "REMITTER" appears near the top-left corner. Two microprint signature lines appear in the lower-right corner with the statement "TWO SIGNATURES REQUIRED ON CHECKS OVER $1000.00." The words "CASHIER'S CHECK" appear in the lower-right corner along with a restrictive feature statement.
Any information you have concerning this matter should be brought to the attention of:
Sabina Filipovic
Vice President
1st Equity Bank Northwest
1330 West Dudee Road
Buffalo Grove, Illinois 60089
Telephone: (847) 253-5200
Fax: (847) 253-6601
E-mail: Sabina@1stequitybank.net
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Counterfeit Cashier's Checks
Community National Bank, Dayton, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 064201120, which is assigned to Community National Bank. The items are similar to authentic cashier's checks, however; the items display security feature statements embedded in ornate top and bottom borders. Authentic cashier's checks display a "NOTICE TO CUSTOMERS" statement in the top center.
Any information you have concerning this matter should be brought to the attention of:
Chris Hunt
Senior Vice President and Chief Financial Officer
Community National Bank
P.O. Box 638
316 Chickamauga Avenue
Rossville, Georgia 30741-0638
Telephone: (706) 861-8800
Fax: (706) 861-8889
E-mail: chunt@cnb-usa.com
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Counterfeit Cashier's Checks
United Central Bank, Garland, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071903110, which is assigned to Mutual Bank, Harvey, Illinois. The items are dissimilar to authentic cashier's checks. The counterfeit items have scroll borders on three-sides with solid square top corners and solid circle bottom corners. The words "ORIGINAL FINANCIAL INSTRUMENT" are displayed inside a rectangle with a security feature statement on each side and centered within the top border. The bank logo is oblong in shape.
Authentic cashier's checks are white with a pale light blue and silver ornate design in the top corners and lower-left corner. The words "ORIGINAL FINANCIAL INSTRUMENT" are top-centered and, as a security feature, will not appear when copied. The restrictive statement "ORIGINAL SIGNATURES REQUIRED FOR SIGNATURES OVER $1500.00" appears above one signature line. The bank logo is circular in shape.
Any information you have concerning this matter should be brought to the attention of:
Kelli Saxsma
Vice President and Corporate Compliance Officer
United Central Bank
955 175th Street
Homewood, Illinois 60430
Telephone: (708) 794-2236
Fax: (708) 794-2297
E-mail: kelli.saxsma@unitedcentralbank.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
First National Bank of Hereford, Hereford, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 0111324293, which is assigned to First National Bank of Hereford. The items are similar to authentic cashier's checks, but reflect "Fiona" rather than "Friona," which is the correct spelling.
Authentic cashier's checks have a burgundy background.
Any information you have concerning this matter should be brought to the attention of:
John Wood
Vice President
First National Bank of Hereford
301 W 3rd Street
Hereford, Texas 79045
Telephone: (806) 363-2265
Fax: (806) 363-6066
E-mail: josh@fnbhereford.com
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Counterfeit Cashier's Checks
Mechanics & Farmers Bank, Durham, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053100452, which is assigned to Mechanics & Farmers Bank. The items are similar to authentic cashier's checks. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. A box contains the dollar amount.
Authentic cashier's checks are light gray with burgundy overtones and have a four-sided design border. A padlock icon and security feature statement are to the right of "DOLLARS." The restrictive statement "TWO SIGNATURES REQUIRED IF OVER $1,000" appears above two signature lines.
Any information you have concerning this matter should be brought to the attention of:
Harold G. Sellars
Senior Vice President and Security Officer
Mechanics & Farmers Bank
2634 Durham Chapel Hill Boulevard
Durham, North Carolina 27707
Telephone: (919) 687-7800, extension 819
Fax: (919) 687-7821
E-mail: Harold.sellars@mfboline.com
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Counterfeit Cashier's Checks
Citizens State Bank - Midwest, Cavalier, North Dakota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091217226, which is assigned to Citizens State Bank-Midwest; however, it is not the routing number used in the issuance of cashier's checks. The counterfeit items are dissimilar to authentic checks. The items are blue with double-lined borders. A security feature statement is centered below the top border and a padlock icon is shown along the right side. The restrictive statement "VOID OVER $2,320.00" is centered below the written dollar amount line. On the reverse side, six watermarks are imaged as a fingerprint encircled by "PAPER CERTIFIED."
Authentic cashier's checks display the routing number 091306645, which is assigned to Citizens State Bank-Midwest. A padlock icon and vertical security feature statement are along the right border. The checks also display a micro print signature line, chemically sensitive paper and an authentic watermark. "REMITTER" is in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Linda J. Busse
Cashier
Citizens State Bank – Midwest
307 Main Street West
P.O. Box 30
Cavalier, North Dakota 58220-0030
Telephone: (701) 265-8484, extension 10
Fax: (701) 265-8480
E-mail: csblinda@polarcomm.com
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Counterfeit Official Checks
Florence Savings Bank, Florence, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211871688, which is assigned to Florence Savings Bank. The items are nearly identical to authentic cashier's checks; however, the counterfeit items are aqua blue. Security feature statements are embedded in solid blue top and bottom borders.
Authentic cashier's checks are printed on blue marbled paper. A security feature statement is embedded in a dark blue top border.
Any information you have concerning this matter should be brought to the attention of:
Michele Lawrence-Bennett
Security Officer
Florence Savings Bank
85 Main Street
Florence, Massachusetts 01062
Telephone: (413) 587-4797
Fax: (413) 586-0241
E-mail: Michele.Lawrence-Bennett@Florencebank.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier’s Checks
Collin Bank, Frisco, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111925773, which is assigned to Collin Bank. A security feature statement is embedded in a darkened top border with rounded corners and along the bottom border between two padlock icons.
Authentic cashier's checks are light blue. A security feature statement and padlock icon are displayed within the right border.
Any information you have concerning this matter should be brought to the attention of:
Patrick McGowan
Controller and Senior Vice President
Collin Bank
8802 Coleman Boulevard
Frisco, Texas 75034
Telephone: (972) 930-0500, extension 6238
Fax: (972) 930-0508
E-mail: pmcgowan@collinbank.com
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Counterfeit Official Checks
CapitalBank, Greenwood, South Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053202091, which is assigned to CapitalBank. The items are brown and have security feature statements in the top and bottom borders. A padlock security icon is embedded in the right border. The items display the bank's name and an address, not associated with the bank, in the top-left corner. The words "AUTHORIZED SIGNATURE" appear below the signature line in the lower-right corner.
Authentic official checks are green and display a security feature statement below the written dollar amount line. A padlock security icon appears next to the word "DOLLARS." The authentic bank's name, logo and "Greenwood, S.C." appear in the top center. The words "OFFICIAL CHECK" appear below the written amount line on the left side of the checks.
Any information you have concerning this matter should be brought to the attention of:
Barbara Bishop
Vice President and Security
CapitalBank
P.O. Box 218
Greenwood, South Carolina 29648
Telephone: (864) 943-3811
Fax: (864) 941-8282
E-mail: bbishop@capitalbanksc.com
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Counterfeit Money Orders
Mutual Federal Bank, Chicago, Illinois has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit money orders bearing the institution's name are in circulation.
The counterfeit items display the routing number 271071062, which is assigned to Mutual Federal Bank. The items also display a security feature statement embedded in a darkened top border with rounded corners. The words "Mutual Federal Savings International Money Order, Chicago, IL" appear in the top center. The words "Memo: Void after 90 days" appear in the lower-left corner.
Authentic money orders display security feature statements along the top and bottom borders. The bank's name, logo and street address appear in the top-left corner. The restrictive feature statement "VOID AFTER 1 YEAR" appears above the date field, and the statement "NOT VALID OVER $1,000.00" appears below the written dollar amount line. The words "Purchaser Signature" appear below the signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Mirella Magaña
Operations Officer
Mutual Federal Bank
2212 West Cermak Road
Chicago, Illinois 60608
Telephone: (773) 847-7747, extension 116
Fax: (773) 847-2125
E-mail: mirella.magana@mutualfederalbank.com
Alternate contact:
Julia Levine
Vice President
Mutual Federal Bank
2212 West Cermak Road
Chicago, Illinois 60608
Telephone: (773) 847-7747, extension 123
Fax: (773) 847-2125
Email: julia.levine@mutualfederalbank.com
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Counterfeit Checks
Citizens Community Federal, Eau Claire, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071004501, which is assigned to the Federal Home Loan Bank of Chicago, Chicago, Illinois. The items are similar to authentic checks; however, the counterfeit items are light tan and display a security feature statement along the bottom border between two padlock icons. A box for the numerical amount appears next to the payee line. The words "AUTHORIZED SIGNATURE" and "VOID OVER" appear below the signature line in the lower-right corner with a padlock icon.
Authentic checks are light blue. The statement "VOID IF NOT CASHED IN 120 DAYS" appears in the lower-right corner above the signature line.
Any information you have concerning this matter should be brought to the attention of:
Becky L. Johnson
Controller
Citizens Community Federal
2174 EastRidge Center
Eau Claire, Wisconsin 54701
Telephone: (715) 836-9994, extension 120
Fax: (715) 831-4299
Email: blj@citizenscommunityfederal.net
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Counterfeit Money Orders
Wells Federal Bank, FSB, Wells, Minnesota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit money orders bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to The Bank of New York Mellon, Everett, Massachusetts. Wells Federal Bank, FSB, issues its money orders through Money Gram Payment Systems, Incorporated, Minneapolis, Minnesota, using an account at The Bank of New York Mellon. A security feature statement is centered in a box within the top border. The words "Agent Check" and "Money Order" are displayed in the top-center area of the items.
Authentic cashier's checks are yellow and display darkened top and bottom borders, with a security feature statement embedded in the top border. The words "Agent Check" and "Money Order" are displayed in the center of the items. The numerical dollar amount appears in a box entitled "AMOUNT" above a microprint signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
James D. Moll
Chief Financial Officer
Wells Federal Bank, FSB
53 First Street Southwest
P.O. Box 310
Wells, Minnesota 56097
Telephone: (507) 553-4117
Fax: (507) 553-6609
E-mail: jmoll@wellsfederal.com
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Counterfeit Cashier's Checks
Central Valley Community Bank, Fresno, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 121137726, which is assigned to Central Valley Community Bank. A security feature statement is displayed below the top border. The words "CASHIER'S CHECK" appear below the written amount line in the lower-left corner. The words "Memo" and "Purchased by:" and a purchase statement also appear in the lower-left corner.
Authentic cashier's checks display a security feature statement embedded in a darkened top border and another security statement shown between two padlock icons in the bottom border. The words "CASHIER'S CHECK" are top-centered. The "AUTHORIZED SIGNATURE" line is in microprint.
Any information you have concerning this matter should be brought to the attention of:
Cyndi Carmichael
Vice President and Compliance Officer
Central Valley Community Bank
7100 North Financial Drive
Suite 101
Fresno, California 93720
Telephone: (559) 323-3395
Fax: (559) 323-3455
Email: cyndi.carmichael@cvcb.com
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Counterfeit Checks
The Dime Savings Bank of Williamsburgh, Brooklyn, New York, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 226070306, which is assigned to The Dime Savings Bank of Williamsburgh. The bank's name and street address appear in the top center. A padlock security icon appears above an "Authorized Signature" line in the lower-right corner.
Authentic official checks display the bank's name and address in the top-right corner. The words "OFFICIAL CHECK" are displayed inside of a box in the top center. A security feature statement appears below the top border on either side of the box. A padlock security icon appears above the payee line in the lower-right corner. Two microprint "AUTHORIZED SIGNATURE" lines appear along the bottom. A "MEMO" line and restrictive feature statement appear in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Stephen Varriale
Vice President
The Dime Savings Bank of Williamsburgh
209 Havemeyer Street
Brooklyn, New York 11211
Telephone: (516) 338-7900
Fax: (516) 338-8536
E-mail: svarriale@dime.com
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Counterfeit Official Checks
First Federal Bank of Ohio, Galion, Ohio, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 241271041, which is assigned to First Federal Savings and Loan Association, Galion, Ohio. The items are markedly dissimilar to authentic checks. A security feature statement is embedded in a darkened top border with rounded corners. The words "OFFICIAL CHECK" are top-centered above the bank's name and logo. The bank's name also appears in the top-left corner, along with a street address and a telephone number, which is not associated with the bank. The written amount appears in a box that is displayed in the center of the items. One signature line appears in the lower-right corner and the word "Memo" appears in the lower-left corner.
Authentic cashier's checks are blue and display the routing number 042000314, which is assigned to Fifth Third Bank, Cincinnati, Ohio. First Federal Bank of Ohio issues its checks through an account held at Fifth Third Bank. A security feature statement appears below the top border. The bank's name, logo and office locations appear in the top-left corner. The checks display Fifth Third Bank as the "DRAWEE" in the top center area and First Federal Bank of Ohio as the "DRAWER" above two signature lines. The restrictive feature statements "VOID AFTER 90 DAYS" and "TWO SIGNATURES REQUIRED OVER $5,000.00" also appear above the signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
David B. Beach
Vice President of Operations and Treasurers
First Federal Bank of Ohio
140 North Columbus Street
Galion, Ohio 44833
Telephone: (419) 468-1518
E-mail: dave.beach@firstfederalbankofohio.com
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Counterfeit Cashier's Checks
Greenfield Banking Company, Greenfield, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 074903670, which is assigned to Greenfield Banking Company. The items are tan and display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. The bank's name and street address are displayed in the top-left corner. The words "CASHIER'S CHECK" are displayed near the top center of the items. The items display lines for the written dollar amount and the "DATE."
Authentic checks display the words "CASHIER'S CHECK" in the lower-left corner. The checks are blue and display a vertical security feature statement along the right border. The bank's logo and name appear in the top-left corner. The bank's name also appears above an "AUTHORIZED SIGNATURE" line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Vickie Mattox
Vice President and Cashier
Greenfield Banking Company
1920 North State Street
Greenfield, Indiana 46140
Telephone: (317) 467-7037, extension 254
Fax: (317) 467-7054
E-mail: vmattox@gbcbank.com
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Counterfeit Official Checks
Security Bank of Kansas City, Kansas City, Kansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. Security Bank of Kansas City does not issue official checks; however, it does issue expense checks.
The counterfeit items display the routing number 101000925, which is assigned to Security Bank of Kansas City. The items also display a security feature statement embedded within a darkened top border. The counterfeit items have the words "OFFICIAL CHECK" in the top-center area, while authentic checks have the words "EXPENSE CHECK" in the top center.
Any information you have concerning this matter should be brought to the attention of:
Therisa Harding
Vice President
Security Bank of Kansas City
701 Minnesota Avenue
Kansas City, Kansas 66110
Telephone: (913) 279-7942
Fax: (913) 279-7993
E-mail: tharding@securitybankkc.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Mariner's Bank, Edgewater, New Jersey, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display a fictitious routing number, 020214574, which is not a valid routing number. The items display a security feature statement that is embedded in a darkened top border. The statement "VOID AFTER 180 DAYS" is displayed below the word "DATE" near the right side of the items. One "AUTHORISED SIGNATURE" line appears in the lower-right corner. The words "FDIC INSURED" and "DRAWER:" appear above the signature line.
Authentic cashier's checks are light blue and display the routing number 021213559. The words "CASHIER'S CHECK" are encircled above the statement "VOID AFTER 180 DAYS" in the top-center area. Two "Authorized Signature" lines appear in the lower-right corner of the checks.
Any information you have concerning this matter should be brought to the attention of:
Charles Falciglia
Vice President and Bank Secrecy Act Officer
Mariner's Bank
935 River Road
Edgewater, New Jersey 07020
Telephone: (201) 654-3258
Fax: (201) 224-9386
E-mail: cfalciglia@marinersbk.com
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Counterfeit Checks
Cambridge State Bank, Cambridge, Minnesota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091911409, which is assigned to Cambridge State Bank. The items are markedly dissimilar to authentic cashier's checks. Security feature statements are embedded in a darkened top border and shown below the word "DOLLARS" at the right side of the written dollar amount line. A "MEMO" line is in the lower-left corner.
Authentic cashier's checks are pink with ornate borders. A padlock icon and vertical security feature statement are embedded within the right border. The words "CASHIER'S CHECK" are in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Joann Boden
Senior Vice President and Cashier
Cambridge State Bank
127 Main Street South
Cambridge, Minnesota 55008
Telephone: (763) 691-8024
Fax: (763) 689-5153
E-mail: jboden@cambridgestatebank.com
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Counterfeit Official Bank Checks
First Savings Bank of Hegewisch, Chicago, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official bank checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 271070814, which is assigned to First Savings Bank of Hegewisch. The items also display a security feature statement that is embedded in a darkened top border. The words "OFFICIAL BANK CHECK" appear below the bank's name in the top-left corner. An address, which is not associated with the bank, is in the top-center area. A "Memo" line is in the lower-left corner.
Authentic official bank checks are light yellow and display a padlock security icon embedded in the right border. A "NOTICE TO CUSTOMER" statement appears to the right of the bank's logo, name and address in the top-left corner. The words "OFFICIAL BANK CHECK" and the statement "VOID AFTER 180 DAYS" appear above a microprint signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Thomas Golas
Vice President and Controller
First Savings Bank of Hegewisch
13220 Baltimore Avenue
Chicago, Illinois 60633
Toll-Free: (800) 752-8382, extension 206
Fax: (773) 646-8205
E-mail: t.golas@fsbhegewisch.com
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Counterfeit Official Checks
Franklin Bank, Pilesgrove, New Jersey, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to The Bank of New York Mellon, Everett, Massachusetts. Franklin Bank issues its checks through a MoneyGram Payment Systems, Inc. account, payable at The Bank of New York Mellon. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. The statement "Benefit From Our Experience" is displayed between the bank's name and address in the top-left corner. The words "OFFICIAL CHECK" are in the top center. One "AUTHORIZED SIGNATURE" line appears in the lower-right corner.
Authentic checks are green and display a solid darkened top border and two microprint "AUTHORIZED SIGNATURE" lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Christine O. Kugler
Security Officer
Franklin Bank
1179 Route 40
P.O. Box 230
Woodstown, New Jersey 08098-0230
Telephone: (856) 769-4400, extension 1141
Fax: (856) 769-5571
E-mail: ckugler@franklinbnk.com
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Counterfeit Cashier's Checks
Citizens and Farmers Bank, West Point, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 051404901, which is assigned to Citizens and Farmers Bank. The items are similar to authentic cashier's checks; however, they are light brown and display a padlock security icon just inside of the right border. Authentic cashier's checks are yellow and display a padlock security icon embedded within the right border.
Any information you have concerning this matter should be brought to the attention of:
Christi Bowen
Corporate Bank Secrecy Act Officer
Citizens and Farmers Bank
3600 LaGrange Parkway
Toano, Virginia 23168
Telephone: (757) 741-2246
Fax: (757) 741-2811
E-mail: cbowen@cffc.com
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Counterfeit Cashier's Checks
Union State Bank of West Salem, West Salem, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091803818, which is assigned to Union State Bank of West Salem. The items are dissimilar to authentic cashier's checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. The words "Cashier's Check" are top-centered. The bank's logo, name, location and a toll-free telephone number, which is not associated with the bank, are in the top-left corner.
Authentic cashier's checks are blue with ornate borders on all sides. A security feature statement is displayed below the written dollar amount line. The words "CASHIER'S CHECK" are in the lower-left corner. A "NOTICE TO CUSTOMERS" appears in the top-left corner. The bank's logo, name, P.O. Box address and telephone number, (608) 786-0600, are in the top-center area.
Any information you have concerning this matter should be brought to the attention of:
Steve L. Zeman
President
Union State Bank of West Salem
120 South Mill Street
West Salem, Wisconsin 54669
Telephone: (608) 786-0600
Fax: (608) 786-0603
E-mail: stevezeman@usbws.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Farmers and Merchants Bank, Rudolph, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 075909660, which is assigned to Farmers and Merchants Bank. The items are dissimilar to authentic cashier's checks. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. The words "CASHIER'S CHECK" are displayed in the lower-left corner. The words "AUTHORIZED SIGNATURE; ACCEPTED BY DRAWER/DRAWEE" are displayed below the signature line in the lower-right corner.
Authentic cashier's checks have ornate borders. A padlock icon and security feature statement are embedded in the right border.
Any information you have concerning this matter should be brought to the attention of:
Dave Cooper
Loan Officer
Farmers and Merchants Bank
P.O. Box 167
Rudolph, Wisconsin 54475
Telephone: (715) 435-3111
Fax: (715) 435-3100
E-mail: dcooper@wctc.net
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Counterfeit Checks
Bank of Morton, Morton, Mississippi, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061103056, which is assigned to Wachovia Bank, N.A., Winston-Salem, North Carolina. Bank of Morton issues bank checks through Moneygram Payment Systems, Inc., Minneapolis, Minnesota, using a payable-through account at Wachovia Bank, N.A. The items are dissimilar to authentic checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. A telephone number, which is not associated with the bank, is shown below the bank's name, location and the phrase "MEMBER FDIC" in the top-left corner.
Authentic checks are tan and have ornate borders. A security feature statement is displayed just below the top border. An artificial watermark appears on the reverse side.
Any information you have concerning this matter should be brought to the attention of:
Ken L. Gordon
Executive Vice President
Bank of Morton
366 South 4th Street
Morton, Mississippi 39117
Telephone: (601) 732-8944, extension 223
Fax: (601) 732-8599
E-mail: ken@bankofmorton.com
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Counterfeit Cashier's Checks
1st United Bank, Faribault, Minnesota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 291971320, which is assigned to 1st United Bank. The items are similar to authentic cashier's checks; however, the counterfeit items display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons.
Authentic cashier's checks have ornate borders on all sides with a security padlock icon embedded within the right border.
Any information you have concerning this matter should be brought to the attention of:
Check Processing Department
1st United Bank
430 Northwest 4th Street
Faribault, Minnesota 55021
Telephone: (507) 334-2201
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Counterfeit Official Checks
Umpqua Bank (formerly, Rainier Pacific Bank), Tacoma, Washington, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 325182946, which is assigned to Umpqua Bank. The items contain Rainier Pacific Bank's logo and mailing address in the top-left corner.
Authentic official checks display Umpqua Bank's name and logo in the top-left corner and the bank's mailing address, telephone number and Web address in the top-right corner. A security feature statement that is embedded in a darkened top border.
Any information you have concerning this matter should be brought to the attention of:
Tom Southern
Fraud Specialist
Umpqua Bank
1498 Pacific Avenue
Tacoma, Washington 98402
Telephone: (253) 926-4500
Cellular: (206) 713-2202
Fax: (866) 560-0557
E-mail: tsouthern@rainierpac.com
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Counterfeit Cashier's Checks
The Fidelity Bank, Fuquay-Varina, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053103585, which is assigned to The Fidelity Bank. The items are markedly dissimilar to authentic checks. The words "Cashier's Check" are shown inside of a box in the top-center area. A security feature statement appears below the border on both sides of the box. A security feature statement also appears across the bottom of the items. The phrase "AUTHORIZED SIGNATURE" is shown below the signature line in the lower-right corner.
Authentic cashier's checks are gray. The words "Cashier's Check" are in the top-center area with horizontal lines on both sides. A "Notice To Customers" statement appears inside of a box below the written amount line on the left side of the checks.
Any information you have concerning this matter should be brought to the attention of:
Robin Henderson
Security Officer
The Fidelity Bank
100 South Main Street
Fuquay-Varina, North Carolina 27526
Telephone: (919) 557-4574
Fax: (919) 567-7454
Email: robin.henderson@fidelitybanknc.com
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Counterfeit Personal Money Orders
Cecil Bank, Elkton, Maryland, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit personal money orders bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to Boston Safe Deposit & Trust Company, Boston, Massachusetts. Cecil Bank's personal money orders are issued by Moneygram Payment Systems, Inc., Minneapolis, Minnesota, through an account at Boston Safe Deposit & Trust Company. The items are markedly dissimilar to authentic personal money orders. The bank's name is displayed in the lower-left corner along with a telephone number that is not associated with the bank. Three lines appear in the lower-right corner for the remitter's signature and address. The phrase "AGENT FOR MONEYGRAM" is centered at the bottom of the counterfeit items.
Authentic personal money orders display the bank's name in the top-left corner. A security feature statement appears above the top border. A "PURCHASER, SIGNER FOR DRAWER" and "ADDRESS" line appears as a microprint signature line in the lower-right corner. A "PURCHASER" statement appears below the written dollar amount line.
Any information you have concerning this matter should be brought to the attention of:
Theresa A. Switalski
Compliance Officer
Cecil Bank
127 North Street
Elkton, Maryland 21921
Telephone: (410) 398-1650, extension 210
Direct Line: (410) 392-8301
Fax: (410) 398-5539
E-mail: tswitalski@cecilbank.com
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Counterfeit Cashier's Checks
Town and Country Bank, Stephenville, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111907555, which is assigned to Town and Country Bank. The items are similar to authentic cashier's checks; however, there is no apostrophe in the word "CASHIERS" in the lower-left corner of the counterfeit items. In addition, the counterfeit items have a white and pink marble background, a security feature statement is boxed and centered inside a burgundy top border, and the phrase "AUTHORIZED SIGNATURE" is centered beneath two signature lines.
Authentic cashier's checks display a "VOID" background when copied. The word "SIGNATURE" is left-justified below two signature lines.
Any information you have concerning this matter should be brought to the attention of:
Jerry Campbell
Senior Vice President
Town and Country Bank
150 North Harbin
Stephenville, Texas 76401
Telephone: (254) 968-4125
Fax: (254) 968-3486
E-mail: jcampbell@tcbank.com
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Counterfeit Cashier's Checks
The Ohio State Bank, Marion, Ohio, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 044102524, which is assigned to The Ohio State Bank. The items are similar to authentic cashier's checks; however, a security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons.
Authentic cashier's checks are gray with red accent and dark lines across the top and bottom. A padlock icon and vertical security feature statement are along the right side.
Any information you have concerning this matter should be brought to the attention of:
Cathy Hensel
Vice President
Retail Banking Division
The Ohio State Bank
111 South Main Street
Marion, Ohio 43302
Telephone: (740) 387-2265, extension 125
Fax: (740) 383-4713
E-mail: chensel@theohiostatebank.com
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Counterfeit Cashier's Checks
Valley Bank and Trust Company, Scottsbluff, Nebraska, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 104101876, which is assigned to Valley Bank and Trust Company. The items are markedly dissimilar to authentic cashier's checks and, when copied, have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons.
Authentic cashier's checks are light blue and have thick dark double borders on all sides. A security feature statement is centered below the written dollar amount line.
Any information you have concerning this matter should be brought to the attention of:
Michelle L. Maschmeier
Vice President and Cashier
Valley Bank and Trust Company
1425 10th Street
Gering, Nebraska 69341
Telephone: (308) 436-2300, extension 8237
Fax: (308) 436-6061
E-mail: mmasch@valleybankne.com
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Counterfeit Cashier's Checks
Citizens Bank & Trust, Inc., Trenton, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061103739, which is assigned to Citizens Bank & Trust, Inc., but are dissimilar to authentic cashier's checks. The counterfeit items have ornate top and side borders. The words "CASHIER'S CHECK" appear inside of a box in the top center.
Authentic cashier's checks display the words "CASHIER CHECK" below the check number in the top-right corner of the checks.
Any information you have concerning this matter should be brought to the attention of:
James M. Owensby
Executive Vice President
Citizens Bank & Trust, Inc.
12255 South Main Street
Trenton, Georgia 30752
Telephone: (706) 657-5678
Fax: (706) 657-7494
Email: mowensby@citizensbanktrenton.com
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Counterfeit Cashier's Checks
Anchor Bank, National Association, St. Paul, Minnesota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 096015232, which is assigned to Anchor Bank, National Association. The items have ornate top and side borders, with the words "CASHIERS CHECK" top-centered inside of a box. Security feature statements appear on either side of the box below the border. The bank's name and Web site address appear in the lower-left corner.
Authentic cashier's checks display the words "CASHIERS CHECK" in the lower-left corner. A security feature statement and padlock icon appear along the right border of the checks. The bank's name, telephone number and Web site address are in the top-center area.
Any information you have concerning this matter should be brought to the attention of:
Patti Westerdahl
Assistant Vice President
Anchor Bank, National Association
1055 Wayzata Boulevard East
Wayzata, Minnesota 55391
Telephone: (952) 249-6003
Fax: (952) 249-6005
Email: Patti_Westerdahl@anchorlink.com
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Counterfeit Official Checks
EverBank, Jacksonville, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 063000225, which is assigned to EverBank, and are similar to authentic cashier's checks. The counterfeit items display a security feature statement just below the top border. The words "OFFICIAL CHECK" appear in the top-left corner. The bank's name and address appear in the top-center area. Fields for "REFERENCE, "DATE," "CHECK NO.," and "AMOUNT" appear within a box on the right side. The words "NOT VALID WITHOUT SIGNATURE" and the bank's name appear above one signature line in the lower-right corner.
Authentic official checks display the bank's name, address and toll-free telephone number in the top-left corner. A security feature statement is embedded within a darkened top border with rounded corners. The words "bank official check" are centered at the bottom. "AUTHORIZED SIGNATURE" and "Over $25,000.00 TWO SIGNATURES REQUIRED" appear below two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Wayne Jeanes
Risk Analyst
EverBank
11 Oval Drive, Suite 107
Islandia, New York 11749
Telephone: (888) 882-6019, extension 1084
Fax: (888) 882-6977
Email: Wayne.jeanes@everbank.com
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Counterfeit Cashier's Checks
Bank of Santa Clarita, Santa Clarita, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122243813, which is assigned to Bank of Santa Clarita. The items are markedly dissimilar to authentic cashier's checks. They have scroll top and side borders with squares in each top corner and circles in each lower corner. The words "Cashier's Check" appear inside of a rectangle in the top center. Security feature statements are on either side below the top border. An indemnity bond statement is centered across the bottom.
Authentic cashier's checks are green with a horizontal lined background. A security feature statement is embedded within a darkened bottom border. The words "Cashiers Check" appear near the top-right corner. The bank's telephone number is shown below its logo, name and location in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Bank of Santa Clarita
Central Operations Department
27441 Tourney Road, Suite 150
Santa Clarita, California 913558
Telephone: (661) 362-6000
Fax: (661) 284-3476
E-mail: jnelson@bkofsc.com or cmorrissey@bkofsc.com
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Counterfeit Cashier's Checks
Great Western Bank, Watertown, South Dakota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 092005411, which is assigned to First Interstate Bank, Helena, Montana. Great Western Bank issues its cashier's checks through a payable-through account held at First Interstate Bank. The counterfeit items are very similar to authentic cashier's checks; however, the items have a security feature statement embedded in darkened top and bottom borders with rounded corners.
Authentic cashier's checks are blue with a basket-weave background and square corners.
To verify the authenticity of a Great Western Bank cashier's check, call MoneyGram at 1-800-542-3590.
Any additional information you have concerning this matter should be brought to the attention of:
Karyl J. Somers
Vice President and Bank Secrecy Act/Security Officer
Great Western Bank
35 1st Avenue North East
P.O. Box 877
Watertown, South Dakota 57201
Telephone: (605) 886-1414
Fax: (605) 886-7088
E-mail: Karyl.Somers@greatwesternbank.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
PremierWest Bank, Medford, Oregon, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items are light brown and display the routing number 123206590, which is assigned to PremierWest Bank. The words "Check No." are displayed in the top-right corner. A heat-sensitive icon appears at the end of the signature line.
Authentic checks are light blue. The checks display a security feature statement embedded in a darkened top border and a padlock icon within the right border. The word "REMITTER" appears in the lower-left corner. A heat-sensitive icon is centered in the lower-center area of the checks.
Any information you have concerning this matter should be brought to the attention of:
Jean J. Mickson
Operations Manager
PremierWest Bank
503 Airport Road
Suite 102
Medford, Oregon 97504
Telephone: (541) 282-5185
Fax: (541) 282-5130
E-mail: jean.mickson@premierwestbank.com
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Counterfeit Cashier's Checks
Choice Financial Group, Grafton, North Dakota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091302966, which is assigned to Choice Financial Group. The items have ornate borders on all sides with security feature statements embedded within the top and bottom borders.
Authentic cashier's checks have a darkened top border. A security feature statement is displayed below the payee line. A security padlock icon appears at the end of the written dollar amount line.
Any information you have concerning this matter should be brought to the attention of:
Tara L. Field
Compliance Officer
Choice Financial Group
210 8th Avenue
Langdon, North Dakota 58249
Telephone: (701) 256-2141
E-mail: taraf@choicefinancialgroup.com
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Counterfeit Cashier's Checks
New Tripoli Bank, New Tripoli, Pennsylvania has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 031312796, which is assigned to New Tripoli Bank, but are dissimilar to authentic cashier's checks. The counterfeit items display a security feature statement in the top and bottom borders. The bank's name and street address appear in the top-left corner.
Authentic cashier's checks display the words "Cashier's Checks" in the top center. The bank's logo, name, P.O. Box and street address appear in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Judy K. Peters
Security Officer
New Tripoli Bank
6748 Madison Street
P.O. Box 468
New Tripoli, Pennsylvania 18066-0468
Telephone: (610) 298-8811
Fax: (610) 298-3197
E-mail: jpeters@newtripolibank.net
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Counterfeit Cashier's Checks
First Personal Bank, Orland Park, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071925884, which is assigned to First Personal Bank. A security feature statement is embedded in a darkened top border with rounded corners. The bank's name and address are displayed near the top-left corner. The word "Remitter" is displayed on the right side of the items, near the numerical dollar amount box. Lines for the payee and written dollar amount appear on the items.
Authentic cashier's checks have ornate borders and display the bank's logo, name and address in the top-center area. The word "Remitter" appears above the payee section on the left side. The words "CASHIER'S CHECK" appear in the lower-left corner above a security feature statement.
Any information you have concerning this matter should be brought to the attention of:
Janine Masny
Senior Vice President and Compliance Officer
First Personal Bank
14701 Ravinia Avenue
Orland Park, Illinois 60462
Telephone: (708) 226-2727
Fax: (708) 226-9236
Email: janinem@firstpersonalbank.net
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Counterfeit Cashier's Checks
The First State Bank of Munich, Munich, North Dakota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091302762, which is assigned to The First State Bank of Munich. The items also display the following security feature statement embedded within the darkened top border: "THIS DOCUMENT CONTAINS SECURITY FEATURES." The words "CASHIERS CHECK" (without an apostrophe) are displayed in the lower-left corner.
Authentic cashier's checks display the following security feature statement embedded within the darkened top border with rounded corners: "ORIGINAL CHECK IS PRINTED ON CHEMICAL REACTICE PAPER AND HAS MICRO PRINTING IN THE SIGNATURE LINE." The words "CASHIER'S CHECK"(with an apostrophe) are displayed in the lower-left corner. The numerical dollar amount of the check is enclosed in a box on the right side of the checks.
Any information you have concerning this matter should be brought to the attention of:
Maria Hoffman
Vice President of Operations
First State Bank of Munich
416 Main Street
P.O. Box 9
Munich, North Dakota 58352
Telephone: (701) 682-5331
Toll-Free: (800) 859-2035
Fax: (701) 682-5334
E-mail: Mariah@fsbmunich.com
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Counterfeit Cashier's Checks
Community First Bank, Somerset, New Jersey, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 021214574, which is assigned to Community First Bank. The items are markedly dissimilar to authentic checks. The counterfeit items display the bank's name and address in the top-left corner. The word "REMITTER" appears in the lower-left corner. One "AUTHORISED SIGNATURE" line appears in the lower-right corner. "FDIC INSURED" is displayed above the signature line.
Authentic cashier's checks display the bank's name, address and logo in the top-left corner. The word "Memo" appears in the lower-left corner. Two "AUTHORIZED SIGNATURE" lines appear in the lower-right corner. A padlock security icon appears above the signature lines.
Any information you have concerning this matter should be brought to the attention of:
Julie Y. Noles
Executive Vice President and Chief Financial Officer
Community First Bank
408 Elizabeth Avenue
Somerset, New Jersey 08873-5119
Telephone: (732) 564-4115
Fax: (732) 560-1002
E-mail: Julie@communityfirstnj.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Pinnacle Bank of South Carolina, Greenville, South Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. Pinnacle Bank of South Carolina does not issue cashier's checks; however, it does issue official checks.
The counterfeit items display the routing number 053208150, which is assigned to Pinnacle Bank of South Carolina. The items have a security feature statement embedded within a darkened top border and along the bottom between two padlock icons. The words "Cashier's Check" and the date are in the top center. The bank's logo, name, location and a telephone number, which is not associated with the bank, are displayed in the top-left corner.
Authentic official checks display the routing number 011007092, which is assigned to Moneygram Payment Systems, Inc. Pinnacle Bank issues official checks through Moneygram Payment Systems, Inc., Minneapolis, Minnesota, payable through Boston Safe Deposit & Trust Company. Authentic checks have a security feature statement printed directly below the top border. The words "OFFICIAL CHECK" are in the top center. The bank's name, logo, and "ISSUED BY" and "DRAWEE" statements are displayed in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Tommy Warren
Chief Financial Officer
Pinnacle Bank of South Carolina
937 North Pleasantburg Drive
Greenville, South Carolina 29607
Telephone: (864) 233-7896
Fax: (864) 242-2440
Email: twarren@pinnaclebanksc.com
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Counterfeit Official Checks
Pacific Crest Savings Bank, Lynnwood, Washington, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 125184610, which is assigned to Pacific Crest Savings Bank. The words "OFFICIAL CHECK" are in the top-center area. A security padlock icon is embedded within the right border of the counterfeit items.
Authentic checks display the routing number 125000105, which is assigned to US Bank, Seattle, Washington. Pacific Crest Savings Bank issues its cashier's checks though an account at US Bank. The authentic checks have a security feature statement embedded in a darkened top border. The words "AUTHORIZED SIGNATURE" appear below the signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Gena R. Emerson
Vice President
Pacific Crest Savings Bank
3500 188th Street, SW
Suite 575
Lynnwood, Washington 98037
Telephone: (425) 670-9605
Fax (425) 670-9688
Email: gemerson@paccrest.com
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Counterfeit Cashier's Checks
First Security Bank and Trust Company, Oklahoma City, Oklahoma, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 103000677, which is assigned to First Security Bank and Trust Company. The items are similar to authentic cashier's checks; however; the counterfeit items display a security feature statement along the top border and have the word "MEMO" in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Patricia Culton
Assistant Vice President and Bookkeeping Department
First Security Bank and Trust Company
1541 North East 23rd Street
Oklahoma City, Oklahoma 73111
Telephone: (405) 424-4341, extension 248
Email: pculton@swbell.net
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Counterfeit Cashier's Checks
Liberty National Bank, Ada, Ohio has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 041205929, which is assigned to Liberty National Bank. The items also display the bank's name and logo in the top center and the words "CASHIER'S CHECK" in the lower-left corner.
Authentic checks display the words "CASHIER'S CHECK" framed inside a rectangle in the top center with security feature statements on each side. The bank's name and logo are displayed in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Michael Shuster
Security Officer
Liberty National Bank
100 East Franklin Street
Kenton, Ohio 43326
Telephone: (419) 673-1217, extension 1248
Fax: (419) 673-0730
Email: mshuster@lnbbank.com
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Counterfeit Cashier's Checks
Central Bank, Savannah, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 284373838, which is assigned to Central Bank. The items are similar to authentic checks; however, the counterfeit items have a double-lined border and a security feature statement just below the top border. The words "AUTHORIZED SIGNATURE" appear below the signature line in the lower-right corner.
Authentic checks are pink and have a single border, with a security feature statement and padlock icon within the right border. The bank's name and the words "AUTHORIZED SIGNATURE" appear above a signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Kristi L. Gean
Internal Auditor
Central Bank
485 Wayne Road
Savannah, Tennessee 38372
Telephone: (731) 926-7829
Fax (731) 926-7813
Email: kgean@centralbanksavannah.com
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Counterfeit Cashier's Checks
Bank of Hindman, Hindman, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 042105154, which is assigned to Bank of Hindman. The items are markedly dissimilar to authentic cashier's checks and have a scroll border on the top and side borders. The words "CASHIER'S CHECK" are framed inside a rectangle in the top center with security feature statements on each side. The bank's name, city, state and a telephone number, which is not associated with the bank, are in the top-left corner. The word "MEMORANDUM" appears above the signature lines.
Authentic cashier's checks are blue with a padlock icon and vertical security statement embedded in the right border. The bank's name, city and state are in the top center. The words "CASHIER'S CHECK" are in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Jennifer S. Slone
Vice President
Bank of Hindman
39 West Main Street
P.O. Box 786
Hindman, Kentucky 41822
Telephone: (606) 785-3158
Fax: (606) 785-3162
E-mail: jennifer.slone@bankofhindman.com
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Counterfeit Cashier's Checks
West Plains Bank and Trust Company, West Plains, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 081502530, which is assigned to West Plains Bank and Trust Company. The items are similar to authentic checks; however, the counterfeit items are light blue and have a security feature statement at the top. Authentic cashier's checks are tan and have ornate borders with a security padlock icon embedded in the right border.
Any information you have concerning this matter should be brought to the attention of:
Eric J. Gibson
Operations Officer
West Plains Bank and Trust Company
11 Court Square
P.O. Box 378
West Plains, Missouri 65775
Telephone: (417) 256-2147, extension 237
Fax: (417) 256-2147
Email: eric.gibson@westplainsbank.com
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Counterfeit Checks
Keesler Federal Credit Union, Biloxi, Mississippi, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 265577585, which is assigned to Keesler Federal Credit Union. The items are printed on blue, green or tan paper. The word "Reference" appears directly below the word "DATE" on the right side of the items. A "Memo" line appears in the lower-left corner.
Authentic checks are blue and white with gray borders. The words "CASHIERS CHECK" and a box for the "DATE" are in the top center. A security feature statement, "NOTICE TO CASHIER: BE SURE WATERMARK IS ON REVERSE SIDE BEFORE CASHING," is embedded within the top border. The words "Authorized Signature" appear below the signature line in the lower-right corner
Any information you have concerning this matter should be brought to the attention of:
Michelle Foster or Marion Califano
Loss Prevention
Keesler Federal Credit Union
P.O. Box 7001
Biloxi, Mississippi 39531
Telephone: (228) 385-5500, extension 6200
Fax (228) 385-4389
Email: fraud@kfcu.org
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Metz Banking Company, Nevada, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 101211031, which is assigned to Metz Banking Company. The items are markedly dissimilar to authentic cashier's checks. They are brown in color with brown print. A security feature statement is embedded in a darkened top border and along the bottom border between two padlock icons. An incorrect address ("Main Street, Metz, Missouri 64765") is shown below the bank's name in the top center. The words "DATE" and "AMOUNT" are framed inside darkened boxes on the right side.
Authentic cashier's checks are yellow and have ornate borders on all sides. A padlock icon and vertical security statement are embedded in the right border. The bank's name, city, state and telephone number are in the top center.
Any information you have concerning this matter should be brought to the attention of:
Kimberly Swope
Cashier
Metz Banking Company
123 North Osage Boulevard
P.O. Box 590
Nevada, Missouri 64772
Telephone: (417) 667-4550
Fax: (417) 667-4598
E-mail: kswope@metzbank.com
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Counterfeit Cashier's Checks
Farmers State Bank, Marion, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 073911676, which is assigned to Farmers State Bank. The items are similar to authentic cashier's checks; however, counterfeit items are pink. Authentic cashier's checks are printed on light blue marbled paper.
Any information you have concerning this matter should be brought to the attention of:
Dorothy Moulds
Vice President Deposit Services
Farmers State Bank
1240 8th Avenue
Marion, Iowa 52302
Telephone: (319) 730-6913
Fax: (319) 373-8164
Email: dorothymoulds@fsbmail.net
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Counterfeit Cashier's Checks
The Farmers Bank of Appomattox, Appomattox, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 051405528, which is assigned to The Farmers Bank of Appomattox. The counterfeit items are similar to authentic cashier's checks; however, the counterfeit items do not display a telephone number as on the authentic cashier's check. Items are reported to be pinkish in color.
Authentic checks are beige in color and display a security feature statement embedded in a darkened top border and along a darkened bottom border between two padlocks. A heat-sensitive icon is centered above the micro-encoding. The bank's telephone number is displayed in the top center.
Any information you have concerning this matter should be brought to the attention of:
Jane Kelly
Chief Operations Officer
The Farmers Bank of Appomattox
18 Main Street
P.O. Box 216
Appomattox, Virginia 24522
Telephone: (434) 352-7171
Fax: (434) 352-0741
E-mail: jkelly@thefarmersbankva.com
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Counterfeit Cashier's Checks
Carolina Federal Savings Bank, Charleston, South Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. Carolina Federal Savings Bank does not issue cashier's checks. It does, however, issue official checks.
The counterfeit items display the routing number 253278485, which is assigned to Carolina Federal Savings Bank. The items are markedly dissimilar to authentic official checks. The bank's name, the words "Member FDIC," and a PO Box address are in the top-left corner. The words "CASHIER'S CHECK" are in the top center. The word "REMITTER" is in the lower-left corner and a vertical security feature statement is along the right side.
Authentic official checks display the routing number 253278498, which is assigned to Carolina Federal Savings Bank. A security feature statement is embedded in a darkened top border. The words "OFFICIAL CHECK" are in the top center. The words "DATE" and "AMOUNT" are inside darkened rectangles. The bank's logo, name, branch locations (Charleston, SC and Mt. Pleasant, SC) and branch telephone numbers are in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
March Michel
Security Officer
Carolina Federal Savings Bank
1509 Highway 17 North
Mt. Pleasant, South Carolina 29464
Telephone: (843) 216-1301
Fax: (843) 216-8234
E-mail: mmichel@carolinafederal.com
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Counterfeit Cashier's Checks
West Plains Bank and Trust Company, West Plains, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 081502530, which is assigned to West Plains Bank and Trust Company. The items are dissimilar to authentic cashier's checks. They are borderless and the word "Plains" in the bank name is misspelled as "Plaines."
West Plains Bank and Trust Company issues two different authentic cashier's checks: The first version of an authentic check has ornate borders and is perforated on the left side. A padlock icon and vertical security statement are embedded in the right border.
The second version of an authentic check has ornate borders and is perforated at the bottom. A heat-sensitive "THERMO GUARD" circle is under the word "DOLLARS" on the right side. The words "CASHIER'S CHECK" are near the top center.
Any information you have concerning this matter should be brought to the attention of:
Eric J. Gibson
Operations Officer
West Plains Bank and Trust Company
11 Court Square
West Plains, Missouri 65775
Telephone: (417) 256-2147
Fax: (417) 256-1531
E-mail: eric.gibson@westplainsbank.com
Wooden Roses … Appropriate for Any Occasion!
Since January 2009, the Credit Union League of Connecticut has offered the unique and popular wooden rose bouquets to credit unions for the purposes of fundraising as well as a membership and community participation activity. Appropriate for Valentine’s Day, St. Patrick’s Day, Easter, and Mother’s Day, these roses can actually be given as gifts for any occasion throughout the year.
Proceeds from sales of wooden roses go to support the Connecticut Credit Union Solutions Financial Reality Fair program, which offers hands-on experience in reality-based money management to high school students throughout the state.
Participating credit unions that offer the wooden rose bouquets to their membership can access posters for display in lobbies and at teller stations. Click the link of the poster of your choice to open, download, and print right at your credit union and at your convenience.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier’s Checks
Horizon Community Bank, Lake Havasu City, Arizona, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122105935, which is assigned to Horizon Community Bank. The items are very similar to authentic cashier's checks; however, the counterfeit items display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons, as well as the word "MEMO" in the lower-left corner. Authentic items display the bank's address below the bank's name and logo in the top center.
Any information you have concerning this matter should be brought to the attention of:
Jean Vander Wal
Assistant Vice President and Compliance Officer
Horizon Community Bank
225 North Lake Havasu Avenue
Lake Havasu City, Arizona 86403
Telephone: (928) 854-3000, extension 139
Fax: (928) 854-3826
E-mail: jeanv@horizoncommunitybank.com
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Counterfeit Cashier’s Checks
The Highlands Bank, Jackson, Louisiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 065201886, which is assigned to The Highlands Bank. The items are very similar to authentic cashier's checks; however, the counterfeit items are blue and have a security feature statement that is top-centered. Authentic cashier's checks are green and display a security feature statement below the written amount line, as well as a security padlock icon at the end of the line.
Any information you have concerning this matter should be brought to the attention of:
Sonja Diaz
Branch Manager
The Highlands Bank
P.O. Box 248
Jackson, Louisiana 70748
Telephone: (225) 634-7741
Fax: (225) 634-2066
E-mail: sdiaz@thbank.net
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
Beal Bank, SSB, Plano, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 31199330, which is assigned to Beal Bank, SSB, but are dissimilar to authentic official checks. The items are computer-generated and are green and borderless. The words "OFFICIAL CHECK" are displayed inside a rectangle near the top-right corner. A toll-free telephone number, not associated with the bank, appears in the top-left corner.
Authentic official checks are white with "BEAL BANK" (in blue print) as background. The checks have a three-sided border and a watermark on the reverse side. A security feature statement is centered below the top border and tiered (in red print) in the lower-left corner. Eight arrows precede the payable amount on the written dollar amount line.
Any information you have concerning this matter should be brought to the attention of:
Sharon L. Lahr
Compliance Officer
Beal Bank, SSB
6000 Legacy Drive
Plano, Texas 75024
Telephone: (469) 467-5644
Fax: (469) 241-9564
E-mail: slahr@bealservice.com
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Counterfeit Cashier's Checks
First Bank & Trust, Sioux Falls, South Dakota, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 091400606, which is assigned to First Bank & Trust. The items are dissimilar to authentic cashier's checks and are blue in color. A security feature statement is centered within the top and bottom borders.
Authentic cashier's checks are light green with a weave-patterned background and ornate borders. A security feature statement is centered below the top border.
Any information you have concerning this matter should be brought to the attention of:
Shayn Damm
Fraud Analyst
First Bank & Trust
110 North Minnesota Avenue
P.O. Box 1347
Sioux Falls, South Dakota 57101-1347
Telephone: (605) 978-9323
Fax: (605) 978-9327
E-mail: Shayn.Damm@bankeasy.com
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Intuit Financial Services (formerly Digital Insight) helps banks and credit unions grow by making it easier for consumers and businesses to manage their money.
As a division of Intuit Inc., Intuit Financial Services’ portfolio of on-demand solutions and services are built on insights gained over three decades working with customers and creating innovative offerings that anticipate their needs.
More than 9 million consumers and businesses use Intuit Financial Services’ solutions through its nearly 1,900 financial institution clients.
Intuit, the Intuit logo, Digital Insight, Intuit Financial Services, FinanceWorks and Quicken, among others, are registered trademarks and/or registered service marks of Intuit Inc. in the United States and other countries.
Intuit Inc. is a leading provider of business and financial management solutions for small and mid-sized businesses; financial institutions, including banks and credit unions; consumers and accounting professionals.
Its flagship products and services, including QuickBooks®, Quicken® and TurboTax®, simplify small business management and payroll processing, personal finance, and tax preparation and filing. ProSeries® and Lacerte® are Intuit's leading tax preparation offerings for professional accountants.
The company’s financial institutions division, anchored by Digital Insight, provides on-demand banking services to help banks and credit unions serve businesses and consumers with innovative solutions.
Founded in 1983, Intuit had annual revenue of $3.1 billion in its fiscal year 2009. The company has approximately 7,800 employees with major offices in the United States, Canada, the United Kingdom, India and other locations.
More information can be found at www.intuit.com.
CUNA Strategic Services Inc., owned jointly by Credit Union National Association (CUNA) and the state leagues, saved credit unions $40 million in 2009 through its national pricing programs. It provides credit unions with access to high quality products, services, and technologies delivered with a competitive advantage made possible through volume pricing and strategic program development.
For more information, call (800) 356-8010, and press 3, or visit cunastrategicservices.com.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
CommunityONE Bank, National Association, Asheboro, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053102191, which is assigned CommunityONE Bank. The following security feature statement is embedded in the top border: "FOR SECURITY PURPOSES, THE FACE OF THIS DOCUMENT CONTAINS A COLORED BACKGROUND AND MICROPRINTING IN THE BORDER." A security feature statement is also displayed along the bottom border between two padlock icons.
Authentic checks have the following security feature statement embedded in the top border: "CHECK IS PRINTED ON PAPER THAT HAS FLUORESCENT PAPER FIBERS, A WATERMARKED BACKER AND IS REACTIVE TO CHEMICAL ALTERATION."
Any information you have concerning this matter should be brought to the attention of:
Richard L. Jurgensen, CBCP
Vice President and Director of Security
CommunityONE Bank
P.O. Box 1328
Asheboro, North Carolina 27204-1328
Telephone: (336) 626-8315
Cellular: (336) 953-3555
Fax: (336) 318-7885
E-mail: Rick.Jurgensen@myyesbank.com
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Counterfeit Cashier’s Checks
PrimeSouth Bank, Blackshear, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061203655, which is assigned to PrimeSouth Bank. The items are very similar to authentic cashier's checks; however, the counterfeit items display a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons.
Any information you have concerning this matter should be brought to the attention of:
Vickie R. Vincent
Internal Auditor
PrimeSouth Bank
530 Memorial Drive
Waycross, Georgia 31501
Telephone: (912) 283-6685, extension 138
Fax: (912) 490-9992
E-mail: vvincent@primesouth.com
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Counterfeit Official Checks
Amboy Bank, Old Bridge, New Jersey, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. Amboy Bank does not issue official checks; however, it does issue cashier's checks.
The counterfeit items display the routing number 021204416, which is assigned to Amboy Bank, but are markedly dissimilar to authentic checks. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "OFFICIAL CHECK" are in the top-center area. The bank's name and location are displayed in the lower-left corner.
Authentic checks have a basket weave background with ornate borders. A padlock security icon is embedded in the right border. A "NOTICE TO CLIENTS" statement appears below the words "CASHIER'S CHECK" in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Jane Minervini
Security Officer
Amboy Bank
3590 U.S. Highway 9
Old Bridge, New Jersey 08857
Telephone: (732) 591-8700, extension 5946
Fax: (732) 591-8953
E-mail: jminervini@amboybank.com
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Counterfeit Official Checks
1st National Bank of South Florida, Homestead, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. 1st National Bank of South Florida does not issue official checks; however, it does issue cashier's checks.
The counterfeit items display the routing number 063106705, which is assigned to First National Bank, Wauchula, Florida. The counterfeit items are markedly dissimilar to authentic cashier's checks and have scrolled borders on the top and sides. The words "OFFICIAL CHECK" are top-centered inside a rectangle with security feature statements on each side. A restrictive amount statement is displayed above two signature lines.
Authentic cashier's checks display the routing number 067005145, which is assigned to 1st National Bank of South Florida. A security feature statement is embedded in a darkened top border. A "NOTICE TO CUSTOMERS" statement is in the top-center area, and the words "CASHIER'S CHECK" are in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Elaine Berryman
Vice President
1st National Bank of South Florida
1550 North Krome Avenue
Homestead, Florida 33030
Telephone: (305) 247-5541
Fax: (305) 248-1090
E-mail: eberryman@1stnatbank.com
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Counterfeit Cashier’s Checks
Peoples Bank of East Tennessee, Madisonville, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 264271183, which is assigned to Athens Federal Community Bank, Athens, Tennessee. The items are markedly dissimilar to authentic cashier's checks. The words "CASHIERS CHECK" are top-centered. The bank's name and erroneous location ("Vemore, Tennessee") are displayed in the top-left corner.
Authentic cashier's checks display the routing number 064208398, which is assigned to Peoples Bank of East Tennessee. They are gray with a speckled background and have a gold foil strip across the top. The words "CASHIER'S CHECK" are in the lower left corner. The bank's logo, name, slogan, office name and location ("Madisonville, Tennessee") are in the top-center area. A security feature statement is below the written dollar amount line. A security padlock and vertical feature statement are on the right side.
Any information you have concerning this matter should be brought to the attention of:
Leonard Blevins
Executive Vice President and Chief Financial Officer
Peoples Bank of East Tennessee
4511 Highway 411
Madisonville, Tennessee 37354
Telephone: (423) 442-7262, extension 8239
Fax: (423) 442-8056
E-mail: lblevins@peoplesbank-tn.com
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Counterfeit Cashier’s Checks
CornerBank, National Association (known as CornerBank, N.A.), Winfield, Kansas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 101101109, which is assigned to CornerBank, N.A. The items are similar to authentic cashier's checks; however, the counterfeit items have a security feature statement embedded in the top border, which has rounded corners. A security watermark that displays a picture of a knight and the word "FINGERPRINT" is displayed within the signature area. A pink heat sensor is located in the lower-right corner. The words "Purchased For" are displayed in the lower-left corner.
Authentic cashier's checks have a vertical security feature statement along the right border. The bank's logo, name, P.O. Box, city, state, zip code and telephone numbers are displayed in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Gloria L. Ulbrich
Senior Vice President, Deposit Operations
CornerBank, National Association
900 Main Street
Winfield, Kansas 67156
Telephone: (620) 221-1650
Fax: (620) 221-6047
E-mail: gloriau@cornerbanks.com
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Attention:
Credit Unions Participating in Financial Reality Fairs
Toot Your Financial Literacy Horn!
Tell your members you participate in Financial Reality Fairs to help our young people learn how to manage their money.
An excellent means to getting the word out to your membership that your credit union actively participates in promoting financial literacy among our youth is having a presence on your website, preferably on your home page. Proclaim your participation there and it will be seen and noted by online visitors!
Each time a member logs on to your website, he or she will see that their credit union takes a proactive stance on educating our young people in the sometimes fun but always challenging world of learning to manage finances.
Use the resources below—text, graphics, or both—to populate your website with visuals and words that explain what a Financial Reality Fair is and why it works well to instill sound judgment in the practical matter of managing money in all who particpate.
The graphic banner should ideally be placed on your home page. Use it as a link to your Financial Literacy or Financial Reality Fair page where you can post the text and photos found below (or ones of your own) that explain what this practical exercise is all about.
Click to download the Banner graphic.
Click to download the Reality Fair logo.
For questions, please contact Barb Bass at bbass@culct.coop.
____________________________________________________________________________
____________________________________________________________________________
Your Credit Union in the Community
An important goal of your credit union is to provide financial education to our members in order to help them better manage their money on a day-to-day basis as well as direct funds to savings for the future. How to budget, how to look for the best prices, how to stay out of or at least manage debt—it’s a learning process that all of us have gone through. With the products and services that your credit union offers, our members can take steps to control their financial lives not only for today, but also for tomorrow.
An excellent way to accomplish this, we feel, is to help our youth understand the workings of earning and spending, budgeting, and saving. Developing financial understanding at an early age instills good financial habits to carry throughout a lifetime. For many young people, this can often begin by participating in a Financial Reality Fair.
The Financial Reality Fair is an approximately 2.5-hour, hands-on experience in which students, after identifying their career choice and starting salaries, are provided a budget sheet requiring them to live within their monthly salary while paying for basics such as housing, utilities, transportation, clothing, and food. And some not-so-basics like entertainment and travel.
Along the way there are many temptations for additional spending, and students must learn to balance their wants and needs to potentially live on their own. After they have visited the various booths covering components of independent living, students will balance their budget, and then sit down with a financial counselor to review their standing. The Fair is a unique opportunity for each student to experience some of the financial challenges they will face when they start life on their own.
An important feature of a responsible financial lifestyle is saving. In the Financial Reality Fair experience, students are encouraged to save a minimum of 10% of their income, placing 3% in a long-term retirement investment, and 7% in a shorter-term investment. The Financial Counselors explore the importance of planning for future needs and preparing for future financial challenges through savings. The Fair will tempt students to spend their income on “fun,” but the financial counselors will bring the focus back to saving and thrift practices.
Since last year, Connecticut credit unions have organized Financial Reality Fairs to help our youth realize the importance of understanding how personal finances work and how they affect not only money management for today, but also for the future. In 2009, approximately 1,000 students participated in Fairs throughout the state of Connecticut. More than 2,000 students are scheduled to participate in Fairs during the 2009-2010 school year.
While many schools provide personal finance classes to teach students how to balance a checkbook and manage savings and checking accounts, it wasn’t until the development of the Financial Reality Fair that students have had the practical opportunity to put what they have learned in the classroom to the test in the “real world.” And while the Reality Fair is essentially “rhetorical”—that is, it’s an exercise in a controlled environment for practical application of budgeting based on the real financial world—it provides a very clear picture of what is to come in the lives of our young people. And for many, it is a real eye-opener.
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Your Credit Union’s Participation in Financial Reality Fairs
[Insert your specific information here.]
_______________________________________
From recent Financial Reality Fairs:
Making decisions about important life choices does not always come easily.
Click to download the making decisions photo.
Students spin the Wheel of Reality to see whether they gain or lose money
for their projected monthly budget.
Click to download the Wheel of Reality photo.
Balancing their budget is an integral part of the Reality Fair exercise.
Click to download the Balancing Budgets photo.
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier's Checks
Blue Ridge Bank, Walhalla, South Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053207669, which is assigned to Blue Ridge Bank. The items are very similar to authentic cashier's checks; however, the counterfeit items have a security feature statement between two padlock icons in the bottom border. Authentic checks have ornate borders.
Any information you have concerning this matter should be brought to the attention of:
Eva McGowan
Compliance Officer
Blue Ridge Bank
P.O. Box 889
Walhalla, South Carolina 29691
Telephone: (864) 638-5444
Fax: (864) 638-2425
E-mail: emcgowan@brbwal.com
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Counterfeit Cashier's Checks
Byron Bank, Byron, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071908908, which is assigned to Byron Bank. A security feature statement is embedded in a darkened top border. The bank's name and address are located near the top center. One microprint signature line appears in the lower-right corner. The word "Remitter" is located above the payee line on the right.
Authentic cashier's checks display the bank's logo, name and location in the top center of the items. A security features statement appears below the written amount line. Two microprint signature lines appear in the lower-right corner. A restrictive feature statement appears above the signature lines.
Any information you have concerning this matter should be brought to the attention of:
Rick Meyer
Vice President Finance
Byron Bank
P.O. Box 901
Byron, Illinois 61010
Telephone: (815) 234-2561
Fax: (815) 234-8252
E-mail: customerservice@byronbank.com
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Counterfeit Cashier’s Checks
1st Manatee Bank, Parrish, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 063116339, which is assigned to 1st Manatee Bank. The items are similar to authentic cashier's checks; however, "Parrish" is misspelled on the counterfeit items.
Authentic checks have security feature statements embedded in darkened top and bottom borders. A microprint signature line appears in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Brian M. Watterson
Chief Financial Officer
1st Manatee Bank
12215 US Highway 301 North
Parrish, Florida 34219
Telephone: (941) 776-5040, extension 310
Fax: (941) 776-9191
E-mail: bwatterson@1stmanatee.com
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Counterfeit Cashier’s Checks and Official Checks
Lewisburg Banking Company, Lewisburg, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's and official checks bearing the institution's name are in circulation. Lewisburg Banking Company does not issue cashier's or official checks; however, it does issue bank money orders.
The counterfeit items display the routing number 083905342, which is assigned to Lewisburg Banking Company. The items have a security feature statement along the top border. The words "CASHIER'S CHECK" or "OFFICIAL CHECK" are encircled in the top center of the items. The bank's name, along with a logo, P.O. Box and telephone number, is displayed in the top-left corner. The P.O. Box and telephone number are not associated with the bank.
Authentic money orders have ornate borders and the words "BANK MONEY ORDER" are top-centered within a darkened box. The bank's name, logo and P.O. Box appear near the bottom-left corner.
Any information you have concerning this matter should be brought to the attention of:
James Justice
Vice President and Chief Operations Officer
Lewisburg Banking Company
287 North Main Street
P.O. Box 278
Lewisburg, Kentucky 42256
Telephone: (270) 755-4818
Fax: (270) 755-4840
Email: james.justice@lewisburgbank.com
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Counterfeit Checks
Advanta Bank Corporation, Draper, Utah, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 124384848, which is assigned Advanta Bank Corporation. The items have a security feature statement embedded in a top border with rounded corners. The words "CHECK NO." are displayed in the top-right corner. A box for the numeric dollar amount appears on the right side. The statement "VOID AFTER 60 DAYS FROM CHECK DATE" appears in the lower-left corner. The words "AUTHORIZED SIGNATURE" are in the lower-right corner.
Authentic checks have security feature statements embedded in the top border between darkened squares (one in each corner and one in the center). The bank's name ("Advanta Bank Corp") appears in the top-center area. A padlock security icon is embedded in the right border.
Any information you have concerning this matter should be brought to the attention of:
Chris J. Callister
Senior Fraud Operations Manager
Advanta Bank Corporation
11850 South Election Road
Draper, Utah 84020
Telephone: (801) 619-7453
Fax: (877) 584-0481
Email: ccallister@advanta.com
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Counterfeit Official Checks
Elsa State Bank and Trust Company, Elsa, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. Elsa State Bank and Trust Company does not issue official checks; however, it does issue cashier's checks.
The counterfeit items display the routing number 114922142, which is assigned to Elsa State Bank and Trust Company. The counterfeit items are markedly dissimilar to authentic cashier's checks. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "OFFICIAL CHECK" are in the top-center area. The bank's logo, name and location are displayed in the top-left corner. There is one "AUTHORIZED SIGNATURE" line in the lower-right corner. The word "MEMO" appears in the lower-left corner.
Authentic cashier's checks display the routing number 092005411, which is assigned to First Interstate Bank, Billings, Montana. Elsa State Bank issues its cashier's checks through a payable-through account held at First Interstate Bank. Authentic checks display a security feature statement directly below the top border. The words "CASHIER'S CHECK" are displayed on the right side of the checks. The bank's name and location are in the top-center area. A "NOTICE TO CUSTOMERS" statement appears in the top-left corner above a "Remitter" line. There are two "AUTHORIZED SIGNATURE" lines in the lower-right corner. A "PAYABLE THROUGH" statement appears in the lower-left corner of the checks.
Any information you have concerning this matter should be brought to the attention of:
Irma Solis
Bookkeeper
Elsa State Bank and Trust Company
300 West Edinburg Avenue
P.O. Box 397
Elsa, Texas 78543-0397
Telephone: (956) 262-1391
Fax: (956) 262-4768
Email: irmasolis@elsastatebank.com
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Counterfeit Cashier’s Checks
Elgin State Bank, Elgin, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 071908063, which is assigned to Elgin State Bank. A security feature statement is top-centered on the items. The bank's name and address appear twice toward the top of the items. The words "CASHIER'S CHECK" are displayed below the bank's name on the left side. A "MEMO" line appears in the lower-left corner and a signature line appears in the lower-right corner.
Authentic cashier's checks display a security statement near the lower-left corner. A security padlock icon is displayed in the right border. The bank's name and logo appear in the top-left corner, with the words "Cashier's Check" top-centered. Two signature lines appear in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Mike Morrison
Anti-Money Laundering and Fraud Analyst
Elgin State Bank
1001 South Randall Road
Elgin, Illinois 60123
Telephone: (847) 429-6780
Fax: (847) 429-6785
Email: mmorrison@elginstatebank.com
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Lost or Stolen Cashier’s Checks
Mega Bank, San Gabriel, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that 125 cashier's checks bearing the institution's name were lost or stolen.
The associated cashier's checks range in numbers from 011751 to 011875 and display the routing number 122244870, assigned to Mega Bank.
Any information you have concerning this matter should be brought to the attention of:
Peter Leung
Vice President and Operations Administrator
Mega Bank
245 West Valley Boulevard
San Gabriel, California 91776-3737
Telephone: (626) 382-1538
Fax: (626) 282-9333
E-mail: pleung@megabankusa.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Official Checks
Urban Trust Bank, Orlando, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 263184815, which is assigned to Urban Trust Bank. A security feature statement is embedded between two padlock icons along the bottom border. The word "Remitter (s)" appears above the indemnity notice in the lower-left corner. The words "CASHIER'S CHECK" are displayed near the top center. A restrictive feature statement appears above two "AUTHORIZED SIGNATURE" lines.
Authentic checks have a "NOTICE TO CUSTOMER" statement above a darkened bottom border. The words "CASHIER'S CHECK" are displayed above two microprint "AUTHORIZED SIGNATURE" lines.
Any information you have concerning this matter should be brought to the attention of:
Russell C. Brown
Vice President of Operations and Compliance
Urban Trust Bank
400 Colonial Center Parkway, Suite 150
Lake Mary, Florida 32746
Telephone: (407) 732-5617
Fax: (407) 732-5677
E-mail: ComplianceSecurity@urbantrustbank.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Official Checks
Yadkin Valley Bank and Trust Company (known as Yadkin Valley Bank), Elkin, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053102117, which is assigned to Yadkin Valley Bank and Trust Company. The items are dissimilar to authentic official checks and do not display an "OFFICIAL CHECK" designation. An incorrect city (Jefferson) is noted in the top center. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The word "MEMO" is found in the lower-left corner.
Authentic official checks are white with green lettering and when copied have a "VOID" background. A security feature statement is embedded in a darkened top and bottom border. The check number is listed in the top-right corner and is shown in red.
Any information you have concerning this matter should be brought to the attention of:
Debbie M. Hollar
Vice President and Security Officer
Yadkin Valley Bank and Trust Company
120 South Elm Street
Statesville, North Carolina 28677
Telephone: (704) 768-1127
Fax: (704) 871-8919
E-mail: dhollar@piedmontbank.com
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Counterfeit Official Checks
Bank of Dade, Trenton, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is a payable-through account at Bank of New York Mellon, Everett, Massachusetts. The items are nearly identical to authentic official checks; however, they have a light blue brick-patterned background and dark blue borders. Payee name is handwritten.
Authentic official checks have a purple ornate-patterned background and a double black border. An MGI watermark is on the back. The bank's telephone number is displayed in the top-left corner and all check information is computer-generated.
Any information you have concerning this matter should be brought to the attention of:
Shannon D. Henry
Assistant Vice President of Operations
Bank of Dade
12634 North Main Street
P.O. Box Drawer 9
Trenton, Georgia 30752
Telephone: (706) 657-6842, extension 239
Fax: (706) 657-2265
E-mail: shenry@bankofdade.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Official Checks
Investors Savings Bank, Short Hills, New Jersey, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 221272031, which is assigned to Investors Savings Bank. A security feature statement is embedded in a darkened top border. The words "AUTHORIZED SIGNATURE" appear in the middle of the items. The word "DOLLARS" appears on the right side. One signature line is displayed in the lower-right corner.
Authentic checks have ornate top and bottom borders. The words "MEMBER FDIC" appear in the top-left corner below the bank's name and location. A "REMITTTER" line appears in the lower-left corner. The word "DOLLARS" is displayed in the middle of the checks. A restrictive feature statement appears above two "AUTHORIZED SIGNATURE" lines.
Any information you have concerning this matter should be brought to the attention of:
Kathy Gerling
Demand Deposit Account Coordinator
Investors Savings Bank
101 JFK Parkway
Short Hills, New Jersey 07078
Telephone: (973) 924-5125
Fax: (973) 376-1217
E-mail: kgerling@isbnj.com
__________
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier’s Checks
The Commercial Bank, Mason, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 114905499, which is assigned to The Commercial Bank. The items are markedly dissimilar to authentic checks. A security feature statement is embedded within a darkened top border. The words "CASHIER'S CHECK" along with "122 BIG HORN ROAD, SAN ANTONIO, UTAH 76856" are displayed toward the top-left corner. The bank's name, address, and a telephone number ("915-347-6324"), which is not associated with the bank, appear in the top middle of the check. A "Memo" line appears in the lower-left corner and one signature line appears in the lower-right corner.
Authentic checks are yellow and have ornate borders with a security padlock icon embedded in the right border. The words "CASHIER'S CHECK" appear in the lower-left corner below a "NOTICE TO CUSTOMERS" statement. The bank's logo (a steer's head) appears to the left of the bank's name, address and telephone number in the top center. The phrase "MEMBER F.D.I.C" is below the bank's address and telephone number. A "REMITTER" line appears in the top-left corner and the title "ASST. CASHIER-VICE PRESIDENT" appears below the first of two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Brenda Comer
Vice President, Compliance
The Commercial Bank
100 Moody Street
Mason, Texas 76856
Telephone: (325) 347-6324
Fax: (325) 347-5960
E-mail: bcomer@tcbmason.com
__________
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Cashier’s Checks
Bank of Granite, Granite Falls, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053012087, which is assigned to Bank of Granite. The items also display a security feature statement embedded in the top border and along the bottom border between two padlocks. The words "CASHIER'S CHECK" are top-centered. The bank's name, address and a telephone number, which is not associated with the bank, appear in the lower-left corner.
Bank of Granite does not issue cashier's checks; however, it does issue official checks. Authentic official checks display the routing number 011007092, which is assigned to a MoneyGram Payment Systems, Inc. account, payable at The Bank of New York Mellon, Everett, Massachusetts. Bank of Granite issues its official checks through MoneyGram Payment System, Inc. Authentic checks have ornate top and side borders. The words "OFFICIAL CHECK" are encircled in the top center. An "ISSUED BY" statement appears below the word "Remitter" in the lower-left corner. Two signature lines are displayed in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
John R. Williams
Vice President and Senior Auditor
Bank of Granite
56 North Main Street
P.O. Box 128
Granite Falls, North Carolina 28630
Telephone: (828) 496-2123
Fax: (828) 496-2065
E-mail: jwilliams@bankofgranite.com
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Counterfeit Cashier’s Checks
Bay Bank & Trust Company, Panama City, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 063205208, which is assigned to Bay Bank & Trust Company. The items are dissimilar to authentic cashier's checks and have a security feature statement embedded in a darkened top border and along the bottom border between two padlocks. In the top-left corner is a dark box containing the bank's logo (white vertical double "B") and a toll-free telephone number, which is not associated with the bank.
Authentic cashier's checks are green and have a basket-weave background and ornate borders. The bank's logo (dark vertical double "B"), P.O. Box address and telephone number are in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
John G. Hindsman
Executive Vice President and Chief Operating Officer
Bay Bank & Trust Company
509 Harrison Avenue
Panama City, Florida 32401
Telephone: (850) 769-3333, extension 1428
Fax: (850) 784-2215
E-mail: jhindsma@bankandtrust.com
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Counterfeit Cashier’s Checks
Olde Cypress Community Bank, Clewiston, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 267084144, which is assigned to Olde Cypress Community Bank. A "NOTICE TO CUSTOMERS" statement appears in the top-left corner. The bank's name and an address, which is not associated with the bank, are top-centered. One "AUTHORIZED SIGNATURE" line is displayed in the lower-right corner.
Authentic checks display an indemnity bond statement in the lower-left corner below the words "CASHIER'S CHECK." The bank's name and street address appear in the top-left corner. The bank's logo, P.O. Box and telephone number are top-centered. The statement "VOID AFTER 6 MONTHS" appears next to the two "AUTHORIZED SIGNATURE" lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
James J. Johnson
Vice President and Chief Financial Officer
Olde Cypress Community Bank
205 South W.C. Owen Avenue
Clewiston, Florida 33440
Telephone: (863) 983-6181
Fax: (863) 983-7155
E-mail: jjohnson@oldecypressbank.com
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Counterfeit Cashier’s Checks
Panhandle State Bank, Sandpoint, Idaho, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's routing number are in circulation.
The counterfeit items display the routing number 123103606, which is assigned to Panhandle State Bank. The items are green and have the words "ORIGINAL DOCUMENT" printed on the back. The words "Intermountain COMMUNITY BANK" and a logo are top-centered.
Authentic checks are blue with a security feature statement along the right border. Authentic items also display remitter, payee and amount as computer-generated.
Any information you have concerning this matter should be brought to the attention of:
Michelle C. Martin
Security Officer
Panhandle State Bank
113 Main Avenue West
Twin Falls, Idaho 83301
Telephone: (208) 736-5066
Fax: (208) 733-8833
E-mail: michellem@magicvalleybank.com
Young Credit Union Employee Collaboration Network
In a time where many credit unions are setting their sights on attracting the next generation of members, the Credit Union League of Connecticut is launching an inaugural young credit union employee networking council.
Following the success of the Filene Research Institute’s 30 Under 30 Program, the Connecticut League is recruiting credit union employees under the age of 35 to participate in a year-long networking and collaboration council. In Filene’s model, 30 credit union leaders under the age of 30 banded together as an entrepreneurial swat team to come up with ten implementable ideas to attract a new generation of credit union members, employees and volunteers. Following a presentation at the California Credit Union League Annual Meeting, many of these ideas were spearheaded by credit unions across the country as viable ways to focus on the future of the industry.
Young Pro Network
The League is seeking young credit union professionals to participate in this council. To read the entire description, which includes the charactertistics we are looking for in the individuals, click Young Professonals Network Letter to see what was recently sent out to affiliated credit unions in Connecticut.
To recommend an individual, please contact:
• Barb Bass, VP Education & HRD, CU League of CT – bbass@culct.coop
• Amy Stanton, AVP Marketing, Connex CU - astanton@connexcu.org
For more information about the Young Professionals Council, click Frequently Asked Questions.
Please consider attending and register with Susan O'Loughlin at 800-228-2285, ext. 7061, 203-608-7061, or soloughlin@culct.coop.
League Education Center, Meriden
9:30 - 11:30 a.m.
To provide an opportunity for as many credit union marketers and interested staffers as possible to attend this valuable idea exchange, the meeting frequently takes place in chapter areas around the state. Meetings still periodically convene at League offices in Meriden, however. Meeting locations are publicized in advance, including appearance on the League's website calendar.
Program
The program varies depending on the number of attendees and topics they wish to discuss.
Please bring copies of marketing materials to share, as well as discuss marketing strategies for 2012.
● Is your marketing budget being squeezed?
● How are you responding?
Participants will be asked to share ideas on how they encourage front line staff to participate in marketing campaigns.
Coordinator
Fred Brown, Director of Marketing & Member Development, Northeast Family FCU
fred@nefamily.coop
League Liaison
Barb Bass, VP - Education & Human Resources
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________
Counterfeit Official Checks
The Citizens Bank of Philadelphia, Philadelphia, Mississippi, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. The Citizens Bank does not issue official checks; however, it does issue cashier's checks.
The counterfeit items display the routing number 065302154, which is assigned to The Citizens Bank, but are dissimilar to authentic cashier's checks. The counterfeit items display a security feature statement embedded within a darkened top border and along the bottom border between two padlocks. The words "OFFICIAL CHECK" are top-centered, with an indemnity bond directly below it. The bank's name and a logo are displayed in the top-left corner. A box for an "AUTHORIZED SIGNATURE" is displayed in the lower-right corner.
Authentic checks have ornate borders and display a padlock icon and security statement embedded within the right border. The words "CASHIER'S CHECK" are displayed near the lower-left corner. The bank's name and logo are top-centered. Two "Authorized Signature" lines appear in the lower-right corner, along with the restrictive statement "TWO SIGNATURES REQUIRED ON AMOUNTS $25,000 AND OVER."
Any information you have concerning this matter should be brought to the attention of:
Erdis Chaney
Vice President and Cashier
The Citizens Bank
P.O. Box 209
Philadelphia, Mississippi 39350
Telephone: (601) 656-4692
Fax: (601) 656-4183
E-mail: echaney@tcbphila.com
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Counterfeit Cashier's Checks
The Dime Bank, Honesdale, Pennsylvania, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 031308551, which is assigned to The Dime Bank, and are similar to authentic cashier's checks. The items display a security feature statement embedded within a darkened top border and along the bottom border between two padlocks.
Authentic checks display a padlock icon and security statement embedded within the right border.
Any information you have concerning this matter should be brought to the attention of:
Cynthia Burdick
Security Officer
The Dime Bank
120 Sunrise Avenue
P.O. Box 509
Honesdale, Pennsylvania 18431
Telephone: (570) 253-1970, extension 7719
Fax: (570) 251-9295
E-mail: cburdick@thedimebank.com
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Counterfeit Cashier's Checks
First Volunteer Bank of Tennessee, Chattanooga, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061303348, which is assigned to First Volunteer Bank. The items are very similar to authentic cashier's checks. However, authentic checks are light blue and have ornate borders.
Any information you have concerning this matter should be brought to the attention of:
Sue A. Wilson
Executive Vice President and Chief Administrative Officer
First Volunteer Bank
728 Broad Street
Chattanooga, Tennessee 37402
Telephone: (423) 668-4548
Fax: (423) 668-4838
E-mail: sue.wilson@firstvolunteer.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Grand Bank of Texas, Grand Prairie, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111906624, which is assigned to Grand Bank of Texas, and have ornate top and side borders. The words "CASHIER'S CHECK" appear below a lined box in the top center of the items. A heat-sensitive circle with the words "RUB HERE" appears in the top-right corner. A "Memo" line is displayed in the lower-left corner.
Authentic checks have darkened top and bottom borders with security feature statements embedded in each. The words "CASHIER'S CHECK" appear in the lower-left corner. A "NOTICE TO CUSTOMERS" statement appears near the top-right corner.
Any information you have concerning this matter should be brought to the attention of:
Linda Allen
Anti-Money Laundering and Compliance Officer
Grand Bank of Texas
2341 South Beltline Road
Grand Prairie, Texas 75051
Telephone: (972) 264-4811, Extension 119
Fax: (972) 264-3609
E-mail: lallen@grandbankoftexas.com
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Counterfeit Cashier's Checks
Silvergate Bank, La Jolla, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 322077818, which is assigned to Fiscal Credit Union, Glendale, California. The items are markedly dissimilar to authentic cashier's checks. The words "LEXINGTON BANKING CENTER" and an address appear next to "SILVERGATE BANK" and another address. One signature line appears in the lower-right corner.
Authentic checks display the routing number 122000496, which is assigned to Union Bank, N.A., Los Angeles, California. Silvergate Bank issues its checks through Union Bank, N.A. The bank's name, logo, address and telephone number are displayed near the top-left corner. Two signature lines appear in the lower-right corner, along with a padlock security icon next to "DOLLARS."
Any information you have concerning this matter should be brought to the attention of:
Kathleen M. Fraher
Vice President, Compliance and Bank Secrecy Act Officer
Silvergate Bank
4275 Executive Square, Suite 800
La Jolla, California 92037
Telephone: (858) 362-2653
Fax: (858) 605-4526
E-mail: kfraher@silvergatebank.com
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Counterfeit Official Checks
Iberville Bank, Plaquemine, Louisiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 065400603, which is assigned Iberville Bank, and have ornate top and side borders. The words "OFFICIAL CHECK" are encircled in the top center of the items.
Authentic checks display the words "OFFICIAL CHECK" in the top-right corner. An "ADDRESS" line appears in the lower-left corner below the "REMITTER" line. Two "AUTHORIZED SIGNATURE" lines are displayed in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Susan Bujol
Compliance and Bank Secrecy Act Officer
Iberville Bank
23405 Eden Street
Plaquemine, Louisiana 70764
Telephone: (225) 687-7785, Extension 6004
Fax: (225) 692-5904
E-mail: sbujol@IbervilleBank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
ProBank, Tallahassee, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 063116407, which is assigned to ProBank. A security feature statement is embedded in the top and bottom borders. The words "CASHIER'S CHECK" (spelled with an apostrophe) are in the top-right corner. The words "Tallahassee, FL" are shown below the bank's name in the top-left corner.
Authentic cashier checks are light blue and graduate horizontally to white in the center. A padlock and vertical security feature statement are along the right border. The words "CASHIER'S CHECK" (spelled without an apostrophe), "Date" and "Branch" are in the top-right corner. The word "REMITTER" is shown below the bank's name in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Sandy Milton
Vice President, Information Security Officer
ProBank
536 North Monroe Street
Tallahassee, Florida 32301
Telephone: (850) 681-7761, extension 210
Fax: (850) 383-8328
E-mail: smilton@theprobank.com
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Counterfeit Personal Money Orders
Western National Bank, Odessa, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit personal money orders bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to Boston Safe Deposit & Trust Company, Boston, Massachusetts. Western National Bank's personal money orders are issued by Moneygram Payment Systems, Inc., Minneapolis, Minnesota, through an account at Boston Safe Deposit & Trust Company. The items are dissimilar to authentic personal money orders and have a "VOID" background when copied. A security feature statement is embedded in a darkened top border and a heat-sensitive circle is centered at the bottom border. A toll-free telephone number, which is not associated with the bank, is shown below that bank's logo and name in the top center. A padlock and security statement are on the reverse side.
Authentic personal money orders have a blue background with a white center and blue borders. A security feature statement is shown below the top border in the centered area. Above the signature line is the conditional purchase statement: "Purchasers, by signing you agree to the service charge and other terms on the reverse side."
Any information you have concerning this matter should be brought to the attention of:
Rebecca Lozano
Security Officer
Western National Bank
508 West Wall
Midland, Texas 79701
Telephone: (432) 617-1216
Fax: (432) 617-1345
E-mail: rebeccal@westernnb.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
Counterfeit Official Checks
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Counterfeit Cashier's Checks
Independent National Bank, Ocala, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 063113141, which is assigned to Independent National Bank. The items are markedly dissimilar to authentic cashier's checks and have a speckled background. The words "Cashier's Check" are top-centered. The bank's logo, name and a toll free telephone number, which is not associated with the bank, are in the top-left corner.
Authentic cashier's checks are blue and have thick dark blue top and bottom borders. A security feature statement is embedded in the top border. The bank's logo, name and location are top-centered. The words "CASHIER'S CHECK" are in the lower-left corner. An indemnity bond statement is in the top-left corner. The words "ORIGINAL FINANCIAL INSTRUMENT" are in the top-right corner.
Any information you have concerning this matter should be brought to the attention of:
Lois Ellis
Vice President of Compliance, Training and Security
Independent National Bank
P.O. Box 2900
60 Southwest, 17th Street
Ocala, Florida 34478
Telephone: (352) 620-2610
Fax: (352) 237-7021
E-mail: lellis@inatbank.com
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Counterfeit Treasurer Checks
Savings Bank of Maine, Gardiner, Maine, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit treasurer checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 211272465, which is assigned to Savings Bank of Maine. The items are dissimilar to authentic treasurer checks and have a "VOID" background when copied. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks.
Authentic treasurer checks have a pale blue background with blue ornate borders. The bank's logo in the top-left corner is green. The bank's name and location are blue.
Any information you have concerning this matter should be brought to the attention of:
Frederick P. Cunningham
Vice President of Security
Savings Bank of Maine
190 Water Street
Gardiner, Maine 04345
Telephone: (207) 582-5550, extension 3148
Fax: (207) 588-2254
E-mail: fcunningham@savingsbankofmaine.com
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Counterfeit Official Checks
Union Credit Bank, Miami, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 066015084, which is assigned to Union Credit Bank. Union Credit Bank does not issue official checks; however, it does issue cashier's checks. The counterfeit items display the words "OFFICIAL CHECK" and a "NOTICE TO CUSTOMERS" in the lower-left corner. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The statement "THE AMOUNT IN NUMBER MUST MATCH THE AMOUNT IN WORDS" is repeated as background in the written dollar amount section. The bank's logo, name and address are in the top-left corner.
Authentic cashier's checks graduate from pale green to beige in color and display the words "CASHIER'S CHECK" in the lower-left corner. An indemnity bond statement is in the top-left corner, and the bank's logo, name and address are top-centered. A security feature statement is below the written dollar amount line, which has a security padlock and statement to the right of the word "DOLLARS."
Any information you have concerning this matter should be brought to the attention of:
Julio R. Martinez
Chief Financial Officer
Union Credit Bank
1150 South Miami Avenue
Miami, Florida 33130
Telephone: (305) 398-9085
Fax: (305) 372-0246
E-mail: jmartinez@ucbmiami.com
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Counterfeit Cashier's Checks
The Shelby County State Bank, Harlan, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 104903391, which is assigned to The Shelby County State Bank. The items are blue with a "VOID" background when copied and one signature line. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "Cashier's Check" are top-centered. The bank's logo, name, location and telephone number, unassociated with the bank, are in the top-left corner.
Authentic cashier's checks are marble green and have two signature lines. The words "CASHIER'S CHECK" are along the left side. A "NOTICE TO CUSTOMERS" is in the lower-left corner. The bank's logo, motto, branch locations and a toll-free number are in the top-left corner. A lined octagon containing the dollar amount is in the center.
Any information you have concerning this matter should be brought to the attention of:
Stefanie E. Kramer
Chief Financial Officer and Chief Operations Officer
The Shelby County State Bank
508 Court Street
Harlan, Iowa 51537
Telephone: (712) 755-5112, extension 221
Fax: (712) 755-2767
E-mail: skramer@scsbnet.com
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Counterfeit Official Checks
Security First Bank, Lincoln, Nebraska, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 104113819, which is assigned to Security First Bank. The items are nearly identical to authentic official checks. However, the counterfeit items are yellow and authentic official checks are pink.
Any information you have concerning this matter should be brought to the attention of:
Cheryl Dreyer
Vice President Operations
Security First Bank
1540 Samco Road, Suite B
Rapid City, South Dakota 57702
Telephone: (605) 718-8070, extension 312
Fax: (605) 721-4198
E-mail: cdreyer@security1stbank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
Counterfeit Official Checks
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Counterfeit Bank Checks
American Savings, FSB, Munster, Indiana, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit bank checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 271974017, which is assigned to American Savings, FSB. The items are very similar to authentic bank checks; however, the counterfeit items have double borders on all sides with squared corners.
Authentic bank checks have borders with rounded corners and thicker dark blue lines for the top and bottom borders. The bank's telephone number, (219) 836-5870, is below the bank's name and location in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Ginger Watts
Assistant Vice President
American Savings, FSB
8230 Hohman Avenue
Munster, Indiana 46231-0198
Telephone: (219) 836-5870
Fax: (219) 836-5883
E-mail: ginger@ambfinancial.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
Legence Bank, Eldorado, Illinois, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 081204867, which is assigned to Legence Bank. The items are similar to authentic official checks and display "Remitter:" on the left side of the items.
Authentic official checks are green with a security statement and padlock icon embedded within the right border. The bank's website is displayed below the bank's name and logo in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Dee A. Adams
Compliance Officer/Internal Auditor
Legence Bank
946 Fourth Street
Eldorado, Illinois 62930
Telephone: (618) 273-2271
Fax: (618) 273-2508
E-mail: dadams@legencebank.com
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Counterfeit Expense Checks
GBC International Bank, Los Angeles, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit expense checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122235902, which is assigned to GBC International Bank. The items have ornate borders on all sides with a security feature statement embedded within the top border. The words "PAY TO THE ORDER OF" are in the lower-left corner.
Authentic checks have blue top and side borders. The word "PAYEE" is displayed on the left side.
Any information you have concerning this matter should be brought to the attention of:
Richard Holmes
Senior Vice President
Chief Financial Officer and Security Officer
GBC International Bank
168 West Garvey Avenue
Monterey Park, California 91754
Telephone: (626) 243-1186
Fax: (626) 573-6606
E-mail: rholmes@gbcib.com
Alternate Contact:
Elaine Leung
Vice President – Central Operations
GBC International Bank
1355 Stockton Street
San Francisco, California 94133
Telephone: (415) 392-0900, ext. 8311
Fax: (415) 392-3220
E-mail: eleung@gbcib.com
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Counterfeit Cashier's Checks
Macon Bank and Trust Company, Lafayette, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 064106283, which is assigned to Macon Bank and Trust Company. A security feature statement is shown along the bottom border between two padlocks. The words "Cashier's Check" are top-centered with the word "Date" appearing directly below. The word "Remitter" is displayed in the lower-left corner. The bank's location and a telephone number, which is not associated with the bank, appear below the bank's logo and name in the top-left corner.
Authentic cashier's checks display the routing numbers 064101204 or 064106283. The words "CASHIER'S CHECK" (in all capital letters) are top-centered. The word "Purchaser" appears below the bank's logo and name in the top-left corner, and the word "PURPOSE" appears in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Debra Miller
Macon Bank and Trust Company
P.O. Box 10
Lafayette, Tennessee 37083
Telephone: (615) 666-2121
Fax: (615) 666-2238
Email: dkm@maconbtc.com
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Counterfeit Cashier's Checks
Pike National Bank, McComb, Mississippi, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 065303124, which is assigned to Pike National Bank. The items are dissimilar to authentic cashier's checks and have a "VOID" background when copied. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks.
Authentic checks have a padlock and vertical security feature statement embedded in the right border.
Any information you have concerning this matter should be brought to the attention of:
Helen R. Lambert
Senior Vice President
Pike National Bank
P.O. Box 1666
350 Rawls Drive
McComb, Mississippi 39649
Telephone: (601) 249-4680
Fax: (601) 684-7133
E-mail: hlambert@pcnb.net
Alternate contact:
Diane Cothern
Executive Vice President
Pike National Bank
P.O. Box 1666
350 Rawls Drive
McComb, Mississippi 39649
Telephone: (601) 684-7575
Fax: (601) 684-7133
E-mail: dcothern@pcnb.net
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
The Palmetto Bank, Laurens, South Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to a MoneyGram Payment Systems, Inc. account, payable through the Bank of New York Mellon, Everett, Massachusetts. The Palmetto Bank issues its official checks through MoneyGram Payment System, Inc. The items are dissimilar to authentic official checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened green top border and along the bottom border between two padlocks. The statement "This Check Void After 90 Days" is below the signature line.
The Palmetto Bank issues two types of authentic official checks: (1) a laser check and (2) a three-part left snap check. Both types have a green basket-weave background with an ornate green border. Authentic official laser checks are computer-generated in black print. Authentic three-part left snap official checks are printed in green ink and include a security feature statement centered below the top border.
Any information you have concerning this matter should be brought to the attention of:
Derrick M. Copeland
Chief Security Officer
The Palmetto Bank
306 East North Street
Greenville, South Carolina 29601
Telephone: (864) 250-6052
Fax: (864) 250-6068
E-mail: dcopeland@palmettobank.com
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Counterfeit Missouri Department of Revenue Checks
Central Bancompany, Jefferson City, Missouri, a multi-bank holding company, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit Missouri Department of Revenue checks bearing the name Central Bank are in circulation. The Central Trust Bank (doing business as Central Bank), Jefferson City, Missouri, is a subsidiary of Central Bancompany.
The counterfeit items display the routing number 086500634, which is assigned to Central Bank. The items are dissimilar to authentic state treasurer checks. They display the words "Missouri Department of Revenue" and a P.O. Box address in the top-left corner. The bank's name, address and telephone number are in the top-right area.
Authentic state treasurer checks have a two-tone background that fades from blue to green to blue. A security feature statement is shown vertically along the right border. The words "TREASURER OF THE STATE OF MISSOURI" or "MISSOURI DEPARTMENT OF REVENUE" are in the top center. The state seal is to the right of center below the date line. The bank's logo, name and location are centered at the bottom of the checks along with a security feature statement.
Any questions regarding the validity of a Department of Revenue check may be directed to the Department of Revenue's Financial and General Services Bureau at (573) 751-7429. Any other information you have concerning this matter should be brought to the attention of:
Anna M. Rentschler
Vice President and Bank Secrecy Act Officer
Central Bancompany
2100 Stewart Drive
Jefferson City, Missouri 65109
Telephone: (573) 634-1259
Fax: (573) 681-6317
E-mail: Anna_Rentschler@centralbank.net
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Counterfeit Checks
Summit Bank, Prescott, Arizona, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 122105964, which is assigned to Summit Bank. The items are dissimilar to authentic cashier's checks and display a "VOID" background when copied. A security feature statement is embedded in a darkened top border. The bank's name is repeated in the top-left corner and in the top center.
Authentic cashier's checks are tan/beige and display the words "CASHIER'S CHECK" in the top center. A security feature statement is across the top and the word "REMITTER" is in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Amiee Benson
Vice President and Internal Operations Manager
Summit Bank
201 North Montezuma Street
Prescott, Arizona 86301
Telephone: (928) 778-6648
Fax: (928) 778-3432
E-mail: abenson@summitbankaz.com
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Counterfeit Cashier's Checks
Cherokee Bank, National Association, Canton, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 061119736, which is assigned to Cherokee Bank, National Association. Cherokee Bank, National Association does not issue cashier's checks; however, it does issue official checks. The items are markedly dissimilar to authentic official checks. A security statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "CASHIER'S CHECK" are top-centered. A toll-free telephone number, which is not associated with the bank, appears below the bank's name and location in the top-left corner.
Authentic official checks display the routing number 011007092, which is a payable-through account at The Bank of New York Mellon, Everett, Massachusetts. Authentic checks are blue with an ornate border and display a "VOID" background when copied. The words "OFFICIAL CHECK" appear in the top-right corner.
Any information you have concerning this matter should be brought to the attention of:
Marsha Fowler
Client Services Manager
Cherokee Bank, National Association
1275 Riverstone Parkway
Canton, Georgia 30114
Telephone: (770) 479-3402, Extension 110
Fax: (770) 720-6923
E-mail: marshafowler@cherokeebank.com
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Counterfeit Cashier's Checks
The Bank of Currituck, Moyock, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053107303, which is assigned to The Bank of Currituck. The items have a security feature statement below the top border. The words "AUTHORIZED SIGNATURE" are below the signature line in the lower-right corner.
Authentic cashier's checks display the words "AUTHORIZED SIGNATURE" above the signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Lane Fox
Vice President and Security Officer
The Bank of Currituck
250 Caratoke Highway
Moyock, North Carolina 27958
Telephone: (252) 435-6331, extension 227
Fax: (252) 435-2513
E-mail: lane@bankofcurrituck.com
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Counterfeit Cashier's Checks
Texas Champion Bank, Alice, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 114914723, which is assigned to Texas Champion Bank. The items have a security feature statement embedded in the top border and display one signature line.
Authentic cashier's checks have an ornate border and two signature lines. A security padlock and statement are displayed above the signature lines. The bank's logo (a flamed torch), address and telephone number are in the lower left-corner. The words "CASHIER'S CHECK" are inside of a rectangle with ornate arrows at each end in the top-center area.
Any information you have concerning this matter should be brought to the attention of:
Teri Dunlap Vice President
Texas Champion Bank
6124 South Staples
Corpus Christi, Texas 78413
Telephone: (361) 994-7109 or (361) 992-9850, extension 2228
Fax: (361) 992-9854
E-mail: DunlapT@texaschampionbank.com
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Counterfeit Certified Bank Drafts
Rolfe State Bank, Rolfe, Iowa, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit certified bank drafts bearing the institution's name are in circulation.
The counterfeit items display the routing number 073921611, which is assigned to Rolfe State Bank. The items are very similar to authentic certified bank drafts. However, the "DATE" and "PAY TO THE ORDER" sections are hand-printed on the counterfeit items, while they are typed on authentic bank drafts. Also, on authentic certified bank drafts, the words "ORIGINAL DOCUMENT" are displayed at an angle across the back.
Any information you have concerning this matter should be brought to the attention of:
Lynn Johnson
Data Operations Officer
Rolfe State Bank
316 Garfield Street
Rolfe, Iowa 50581-0101
Telephone: (712) 848-3480
Fax: (712) 848-3228
E-mail: lynn@rolfestatebank.com
The FDIC has issued an alert on fraudulent correspondence along with alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Fraudulent Correspondence Claiming to be from the FDIC
Summary: Fraudulent correspondence bearing the FDIC's name continues to be mailed, faxed and e-mailed. This correspondence is being used in illegal schemes to collect sensitive personal information, such as bank account numbers, and to steal money and other assets.
The Federal Deposit Insurance Corporation (FDIC) is reminding financial institutions, businesses and consumers that fraudulent correspondence claiming to be from the FDIC continues to be mailed, faxed and e-mailed in the United States and other countries. The correspondence uses various techniques to gain the trust of recipients in hopes they will provide sensitive personal information, including bank account numbers, that can be used to steal money and other assets. Recipients should NOT, under any circumstances, respond to the fraudulent requests. Institutions also are encouraged to inform customers that fraud artists may use the names of the FDIC and other government agencies and to take appropriate precautions.
The criminals, knowing that people trust the FDIC name, have duplicated the official logo and seal in fraudulent letters, forms, certificates and other correspondence. Recent examples have included invoices, bills, transfer forms, guarantees, endorsements, and confirmations of stock and investment purchases. In some cases, recipients were asked to complete fraudulent forms and return them by fax or e-mail. In other cases, recipients were asked to remit funds via check or wire transfer service.
The FDIC rarely sends unsolicited bills or other similar documents to financial institutions, businesses and consumers. In particular, the FDIC does not send unsolicited correspondence asking for sensitive personal information, including bank account information. Anyone receiving such correspondence should contact the FDIC immediately by calling toll-free at 1-877-ASK-FDIC (1-877-275-3342) or by e-mailing to alert@fdic.gov. Do not use contact information listed for the FDIC in the correspondence because it is likely to be falsified.
Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-3054, Washington, D.C. 20429, or transmitted electronically to alert@fdic.gov. Questions related to fraudulent correspondence, deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2009/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
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Counterfeit Cashier's Checks
LegacyTexas Bank, Plano, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 111901234, which is assigned to LegacyTexas Bank. A security feature statement is embedded in the top border. The bank's Web site address and a telephone number, which is not associated with the bank, are shown below its name in the top-left corner. The word "HAMILTON" appears below the words "Cashier's Check" in the top center.
Authentic cashier's checks display a "Declaration of Lost Instrument Notice" below the top border. The bank's logo and name appear as watermarks in the center of the check.
Any information you have concerning this matter should be brought to the attention of:
Paul Dille
Fraud Investigator
Legacy Texas Bank
P.O. Box 869111
Plano, Texas 75086-9111
Telephone: (972) 461-1433
Fax: (972) 461-1446
E-mail: Paul.Dille@legacytexas.com
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Counterfeit Cashier's Checks
Plattsmouth State Bank, Plattsmouth, Nebraska, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 104900750, which is assigned to Plattsmouth State Bank. The items are very similar to authentic cashier's checks; however, the items have a solid border and display a security feature statement below the top border.
Authentic cashier's checks have ornate borders and a "VOID" background when copied or scanned. A security feature statement is embedded in the top and bottom borders.
Any information you have concerning this matter should be brought to the attention of:
Scott Frazier
Vice President and Cashier
Plattsmouth State Bank
446 Main Street
Plattsmouth, Nebraska 68048
Telephone: (402) 296-2265 or (402) 296-2194
Fax: (402) 296-5164
E-mail: sfrazier@plattsmouthbank.com
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Counterfeit Personal Money Orders
Country Bank for Savings, Ware, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit personal money orders bearing the institution's name are in circulation.
The counterfeit items display the routing number 011007092, which is assigned to a MoneyGram Payment Systems, Inc. account, payable at The Bank of New York Mellon, Everett, Massachusetts. Country Bank for Savings issues its money orders through MoneyGram Payment System, Inc.
The items are similar to authentic personal money orders. The counterfeit items have security feature statements embedded in a dark green top border and along the bottom border between two padlocks. A toll-free telephone number, which is not associated with the bank, appears below the bank's name in the top-left corner.
Authentic personal money orders include the statement "By signing you agree to the service charge and other terms on the reverse side" below the right side of the written dollar amount line. The back of the personal money order lists the following: "LIMITED RECOURSE," "PURCHASER'S AGREEMENT," "SERVICE CHARGE" AND "RESTRICTIONS ON USE."
Any information you have concerning this matter should be brought to the attention of:
Celeste M. Talarico
Assistant Vice President
Country Bank for Savings
75 Main Street
Ware, Massachusetts 01082
Telephone: (413) 967-6221
Fax: (413) 277-2521
E-mail: ctalarico@countrybank.com
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Counterfeit Cashier's Checks
American Momentum Bank, Tampa, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 113125995, which is assigned to American Momentum Bank. They also display a security feature statement embedded in a darkened top border and along the bottom border between two padlocks. The words "cashier's check" are in the top center. The bank's name and logo are shown in the top-left corner. The word "remitter" and the bank's name, location, and a toll-free telephone number, which is not associated with the bank, appear in the lower-left corner. The words "AUTHORIZED SIGNATURE" appear below the signature line.
Authentic cashier's checks display the routing number 063116025, which is assigned to American Momentum Bank. They are grayish in color and have a padlock and vertical security statement embedded in the right border. The bank's logo and name are in the top center. The words "CASHIER'S CHECK," an indemnity bond statement and "MEMO" appear in the lower-left corner. The words "ISSUER," "BRANCH" and "REMITTER" are in the top-left corner. The words "AUTHORIZED SIGNATURE" appear above the signature line.
Any information you have concerning this matter should be brought to the attention of:
Jen Saylor
SVP Operations Manager
American Momentum Bank
4830 West Kennedy Boulevard, Suite 200
Tampa, Florida 33609
Telephone: (813) 549-4709
Fax: (813) 282-3935
Email: jsaylor@americanmomentumbank.com
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Counterfeit Cashier's Checks
Crescent State Bank, Cary, North Carolina, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 053112275, which is assigned to Crescent State Bank. The items are dissimilar to authentic cashier's checks and when copied have a "VOID" background. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "CASHIER'S CHECK" are in the top-center area. The bank's logo and name appear in the top-left corner. The bank's name, location and a toll-free telephone number appear in the lower-left corner.
Authentic cashier's checks are computer-generated with a microprint frame. The background is blue and white with a repeated pattern of the bank's name. A padlock icon and a vertical security statement are embedded in the right border. The bank's logo, name and location ("Raleigh, NC") are in the top-center area.
Any information you have concerning this matter should be brought to the attention of:
Jo Sorbi
Security Officer
Crescent State Bank Operations
206 High House Road
Cary, North Carolina 27513
Telephone: (919) 466-1032 or (919) 466-1031
Fax: (919) 469-5604
E-mail: jsorbi@crescentstatebank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Official Checks
Carver Federal Savings Bank, New York, New York, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. The bank does not issue official checks.
The counterfeit items display the routing number 226072498, which is assigned to Carver Federal Savings Bank. A padlock icon and security statement are embedded vertically within the right border. The words "OFFICIAL CHECK" appear in a box in the center of the items.
Authentic documents display the words "PERSONAL MONEY ORDER" or "TELLER CHECK" in a box in the top center of the items. A "Memo" line appears in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Rochelle Herbano
Branch Operations and Support
Carver Federal Savings Bank
12 Metrotech Center
Brooklyn, New York 11201
Telephone: (718) 676-8795
Fax: (718) 237-1329
Email: Rochelle.herbano@carverbank.com
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Counterfeit Cashier's Checks
Alton Bank, Alton, Missouri, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 081508602, which is assigned to Alton Bank. A security feature statement is embedded within a darkened top border and along the bottom border between two padlocks. The words "CASHIER'S CHECK" are top-centered. The bank's name and a logo appear in the top-left corner. The word "REMITTER" appears in the lower-left corner along with the bank's name, location and a telephone number, which is not associated with the bank. The items display one "AUTHORIZED SIGNATURE" line.
Authentic checks have a blue background and ornate borders. A padlock icon and security statement are embedded within the right border. The bank's name, logo and location are top- centered. The words "CASHIER'S CHECK" appear in the lower-left corner. The statement "TWO SIGNATURES REQUIRED FOR CHECKS IN EXCESS OF $1,000.00" appears above two signature lines in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Anna M. Roberts
Assistant Cashier
Alton Bank
P.O. Box 6
Alton, Missouri 65606
Telephone: (417) 778-7211
Fax: (417) 778-6789
Email: altonbank@yahoo.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
First Farmers and Merchants Bank, Columbia, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 064108113, which is assigned to First Farmers and Merchants Bank. The items are similar to authentic cashier's checks; however, they display a security feature statement embedded within a darkened top border.
Authentic checks are green and display a padlock icon and security statement embedded vertically in the right border.
Any information you have concerning this matter should be brought to the attention of:
Glynis D. Smith
Security Officer
First Farmers and Merchants Bank
816 South Garden Street
Columbia, Tennessee 38401
Telephone: (931) 380-8273
Fax: (931) 490-5923
E-mail: glynis.smith@fandmbank.com
Alternate contact:
Marie McGrew
Internal Control Officer
First Farmers and Merchants Bank
816 South Garden Street
Columbia, Tennessee 38401
Telephone: (931) 380-8230
Fax: (931) 490-5923
E-mail: marie.mcgrew@fandmbank.com
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Counterfeit Cashier's Checks
Union State Bank, Kewaunee, Wisconsin, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 075903006, which is assigned to Union State Bank. The items are green and display security feature statements embedded in darkened top and bottom borders. The words "CASHIER'S CHECK" are in the top center. A box with "DATE" and "AMOUNT" appears in the top-right area. The word "Purchaser" appears in the lower-left corner. "Union State Bank" appears above the "Authorized Signature" line in the lower-right corner.
Authentic checks are printed on a multicolored background. The restrictive feature statement "AMOUNTS OVER $1,000.00 REQUIRES TWO SIGNATURES" and the words "CASHIER'S CHECK" are displayed in the lower-left corner. Two signature lines appear in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Charles Geimer
Compliance Officer
Union State Bank
223 Ellis Street
Kewaunee, Wisconsin 54216
Telephone: (920) 388-3466
Fax: (920) 388-3487
E-mail: Charlie.geimer@unionstatebank.org
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Counterfeit Cashier's Checks
Columbia River Bank, The Dalles, Oregon, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 123206011, which is assigned to Columbia River Bank. A security feature statement is embedded within a darkened top border and along the bottom border between two padlocks.
Authentic checks display a green and white background, and have a foil strip hologram along the top border.
Any information you have concerning this matter should be brought to the attention of:
Tammy Hoffmann
Compliance Director
Columbia River Bank
P.O. Box 1050
The Dalles, Oregon 97058
Telephone: (541) 298-3156
Fax: (541) 298-3154
E-mail: thoffmann@columbiariverbank.com
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Counterfeit Cashier's Checks
Community National Bank, Derby, Vermont, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 011601029, which is assigned to Community National Bank. The items are very similar to authentic checks.
Any information you have concerning this matter should be brought to the attention of:
Beth Morin
Vice President, Community Reinvestment Act and Special Asset Administration
Community National Bank
P.O. Box 259
Derby, Vermont 05829
Telephone: (802) 334-7915
Fax: (802) 334-3148
E-mail: bmorin@communitynationalbank.com
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Counterfeit Cashier's Checks
Coppermark Bank, Oklahoma City, Oklahoma, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 103000800, which is assigned to Coppermark Bank. The counterfeit items are similar to authentic checks; however, they display a security feature statement embedded in a darkened top border and along the bottom border between two padlocks.
Authentic checks display the word "REMITTER" above the payee line. The bank's toll-free telephone number and Web site address are displayed below the bank's name in the top-center area.
Any information you have concerning this matter should be brought to the attention of:
Heather Converse
Fraud Detection Specialist
Coppermark Bank
2301 Minnie Lane
Oklahoma City, Oklahoma 73127
Telephone: (405) 945-8131, extension 3248
Fax: (405) 943-5859
E-mail: Hconverse@coppermarkbank.com
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Counterfeit Official Checks
Merchants and Farmers Bank, Kosciusko, Mississippi, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 084201621, which is assigned to Merchants and Farmers Bank. The words "OFFICIAL CHECK" appear inside of a rectangle with rounded corners in the top center. The restrictive statement "TWO SIGNATURE REQUIRED FOR ANY AMOUNT OF FIVE THOUSAND OR MORE" appears above the "AUTHORIZED SIGNATURE" line in the lower-right corner.
Authentic checks display three "REMITTER" lines at the top. The bank's toll-free telephone number and website are displayed below the bank's name and address in the lower-left corner. There is a heat sensitive icon to the left of the signature line in the lower-right corner.
Any information you have concerning this matter should be brought to the attention of:
Michael Lann
Security Officer
Merchants and Farmers Bank
16623 US Highway 280
Chelsea, Alabama 35043
Telephone: (205) 678-4010
Fax: (205) 678-4016
Email: mslann@mfbank.com
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Checks
Citizens & Northern Bank, Wellsboro, Pennsylvania, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 031308302, which is assigned to Citizens & Northern Bank. The items have an ornate top border and display the bank's street address below its name in the top-left corner. The word "Dollars" appears on the right side of the items and a "FROM" line appears in the lower-right corner.
Authentic checks have a security feature statement embedded within a darkened top border and display the bank's logo in the top-left corner. The word "AMOUNT" appears on the right side of the checks.
Copies of a counterfeit item and an authentic check (VOID) are attached for your review. Be aware that the appearance of counterfeit items can be modified and that additional variations may be presented.
Any information you have concerning this matter should be brought to the attention of:
Julie Lane
Security Officer and Bank Secrecy Act Administrator
Citizens and Northern Bank
90-92 Main Street
P.O. Box 58
Wellsboro, Pennsylvania 16901
Telephone: (570) 723-2113
Fax: (570) 723-2180
E-mail: JulieL@cnbankpa.com
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Federal and regulators will discuss their views on the safest and soundest approaches to member business lending at a Nov. 18 Webinar hosted by NCUA Board Member Gigi Hyland.
The agency said the free event is aimed at providing guidance, best practices and insight into examination of member business lending.
The session, the agency said in its announcement, will draw from the diverse expertise at the NCUA Central Office, NCUA Regional Offices and state regulators. It will provide "guidance, best practices and insight into examination of member business lending," and the session will be interactive with Q-and-A an integral part of the presentation.
During the Webinar, which is scheduled for 1:00 p.m. EST to 2:30 p.m. EST on that date, there will be presentations from:
● Director of Credit Unions for the State of Washington, Division of Credit Unions Linda Jekel;
● NCUA Member Business Lending Program Officer Erika Eastep; and
● NCUA Region IV Agricultural and Commercial Lending Specialist Linda Vick.
● Email Fraud Attempt
The following email was received by five League employees. Credit unions are cautioned not to respond and to delete the message if it is received.
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From: jude jena phillipe [mailto:jmednar@yahoo.fr]
Sent: Sunday, November 01, 2009 5:08 PM
Subject: Attached Certified Bank Draft /Check for deposit reasons please
Hello,
I live in Ecuador.my Cel Phone Number is:593-82635893.but I want to deposit the
ATTACHED Certified Bank Draft/Check with your Bank please.
1-can I open an Account with your Bank in order to deposit the attached Certified
Bank Draft please?
2-could your Bank please give me Two Debit Cards and One Credit Card and Ship
them to ECUADOR,QUITO?
please OPEN the attached and contact me NOW.
Thanks,
Jean Philippe Jude Mednar.
______________________________________________
● FDIC Check Fraud Alert
The FDIC has issued an alert on circulation of fraudulent checks bearing the name of the following institution (with routing number).
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Counterfeit Checks
Citizens & Northern Bank, Wellsboro, Pennsylvania, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 031308302, which is assigned to Citizens & Northern Bank. The items have an ornate top border and display the bank's street address below its name in the top-left corner. The word "Dollars" appears on the right side of the items and a "FROM" line appears in the lower-right corner.
Authentic checks have a security feature statement embedded within a darkened top border and display the bank's logo in the top-left corner. The word "AMOUNT" appears on the right side of the checks.
Any information you have concerning this matter should be brought to the attention of:
Julie Lane
Security Officer and Bank Secrecy Act Administrator
Citizens and Northern Bank
90-92 Main Street
P.O. Box 58
Wellsboro, Pennsylvania 16901
Telephone: (570) 723-2113
Fax: (570) 723-2180
E-mail: JulieL@cnbankpa.com
Fraudulent Work-at-Home Funds Transfer Agent Schemes
Individuals are using deposit accounts to receive unauthorized electronic funds transfers and forward funds overseas to criminals.
The Federal Deposit Insurance Corporation (FDIC) is warning financial institutions of an increase in schemes to recruit individuals to receive and transmit unauthorized electronic funds transfers (EFTs) from deposit accounts to individuals overseas. These funds transfer agents, often referred to as "money mules," are typically solicited on the Internet by criminals who have gained unauthorized access to the online deposit account of a business or consumer. In a typical scenario, the criminal will originate unauthorized EFTs from a victim's account to a money mule's deposit account. The money mule is then instructed to quickly withdraw the funds and wire them overseas after deducting a "commission" (commonly eight to ten percent).
Criminals target online deposit accounts at institutions where business customers can originate EFTs, such as automated clearing house (ACH) and wire transfers, over the Internet. Money mules, however, can be customers at any depository institution where EFTs can be received and funds withdrawn. In some cases, the money mule may be an unknowing accomplice in a fraud scheme. Because EFTs are often made immediately available by the receiving institution, funds may be removed and wire transferred overseas before the fraud is detected. Refer to SA-147-2009 http://www.fdic.gov/news/news/specialalert/2009/sa09147.html for more information on fraudulent EFT schemes.
Money mule schemes can take many different forms, but most involve receiving unauthorized EFTs into a deposit account and then withdrawing the funds or forwarding them on to another party via another EFT. The following are common scenarios:
- Online job posting Web sites are used by criminals to locate individuals seeking employment with flexible work hours that can be performed from home. These work-at-home schemes often involve written employment contracts, job descriptions and procedures to legitimize the scam.
Advance fee scams promising large monetary rewards for acting as a financial intermediary can entice individuals to participate in this activity.
- Mystery shopping jobs may be used that require the employee to assess the performance of money service businesses by completing EFTs and then evaluating the service using customer satisfaction forms.
- Social networking sites may be used to recruit individuals to act as money mules. Criminals conjure up various imaginative stories to befriend and persuade individuals to receive and forward stolen funds.
- Some hesitant or skeptical money mules have been intimidated, harassed and threatened by their criminal "employers" to process the funds transfers quickly and with secrecy.
The personal identifiable information provided by the money mule might later be used to commit identity theft or account takeover.
The following are examples of events that may indicate money mule account activity:
- A deposit account opened with a minimal deposit soon followed by large EFT deposits.
Deposit customers who suddenly begin receiving and sending EFTs related to new employment, investments, business opportunities or acquaintances (especially opportunities found on the Internet).
- A newly opened deposit account with an unusual amount of activity, such as account inquiries, or a large dollar amount or high number of incoming EFTs.
- An account that receives incoming EFTs then shortly afterward originates outgoing wire transfers or cash withdrawals approximately eight to ten percent less than the incoming EFTs.
- A foreign exchange student with a J-1 Visa and fraudulent passport opening a student account with a high volume of incoming/outgoing EFT activity.
Money mule activity is essentially electronic money laundering addressed by the Bank Secrecy Act and Anti-Money Laundering Regulations. Strong customer identification, customer due diligence, and high-risk account monitoring procedures are essential for detecting suspicious activity, including money mule accounts. Financial institutions can find additional guidance about customer identification, account monitoring, suspicious activity reporting, and identity theft red flags below:
● FDIC Risk Management Manual of Examination Policies - Bank Secrecy Act:
www.ffiec.gov/bsa_aml_infobase/documents/FDIC_DOCs/BSA_Manual.pdf;
● FFIEC Bank Secrecy Act/Anti-Money Laundering Examination Manual:
www.ffiec.gov/bsa_aml_infobase/default.htm
● FFIEC Identity Theft Red Flags – Interagency Final Regulations and Guidelines:
www.fdic.gov/news/news/financial/2007/fil07100.pdf
Financial institutions should act promptly when they believe fraudulent or improper activities have occurred, such as those of a money mule. Appropriate actions may include, but are not limited to, filing a Suspicious Activity Report and/or closing the deposit account in accordance with existing, board-approved account closure policies and procedures.
Cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-4004, Washington, D.C. 20429, or transmitted electronically to alert@fdic.gov. Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.
For your reference, FDIC Special Alerts may be accessed from the FDIC's website at http://www.fdic.gov/news/news/specialalert/2009/index.html. To automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
Fraudulent E-Mails Claiming to be from the FDIC
Summary
E-mails fraudulently claiming to be from the FDIC are attempting to trick recipients into installing unknown software on personal computers. These e-mails falsely indicate that recipients should download and open a "personal FDIC insurance file" to check their deposit insurance coverage. The "insurance file" may actually be a form of spyware or malicious code and may collect personal or confidential information.
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The Federal Deposit Insurance Corporation (FDIC) has become aware of e-mails appearing to be sent from the FDIC that are asking recipients to download and open a "personal FDIC insurance file" to check their deposit insurance coverage. These e-mails are fraudulent and were not sent by the FDIC. The FDIC is attempting to identify the source of the e-mails and disrupt the transmission.
Currently, the subject line of the fraudulent e-mails includes the wording "check your Bank Deposit Insurance Coverage." The e-mails state: "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets."
The e-mails ask recipients to "visit the official FDIC website" by clicking on a hyperlink provided, which appears to be related to the FDIC and directs recipients to a fraudulent Web site. The Web site includes hyperlinks that appear to open forms. However, it is believed that clicking on the hyperlinks will cause an unknown executable file to be downloaded. While the FDIC is working with the United States Computer Emergency Readiness Team (US-CERT) to determine the exact effects of the executable file, recipients should consider the intent of the software as a malicious attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to online banking services or to conduct identity theft. Financial institutions and consumers should NOT access the Web site or download the executable files provided on the Web site.
Federal Deposit Insurance Corporation
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Counterfeit Cashier's Checks
Bank of Pine Hill, Pine Hill, Alabama, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 062105781, which is assigned to Bank of Pine Hill. A security feature statement is embedded within a darkened top border and along the bottom border between two padlocks. The words "CASHIER'S CHECK" and a "NOTICE TO CUSTOMERS" statement appear in the lower-left corner. The word "DRAWER" appears on the right above the "AUTHORIZED SIGNATURE" line.
Authentic checks display the words "CASHIER'S CHECK" vertically along the left side. The bank's telephone number appears below that bank's name and address in the top-left corner. The word "REMITTER" appears in the center and the word "DOLLARS" appears on the right side of the checks. The word "DATE" appears on the right side along with the statement "THIS CHECK VOID 90 DAYS AFTER THE ISSUE DATE."
Any information you have concerning this matter should be brought to the attention of:
Melody D. Godbold
Vice President and Chief Financial Officer
Bank of Pine Hill
P.O. Box 310
Pine Hill, Alabama 36769
Telephone: (334) 963-4343
Fax: (334) 963-4943
Email: melody@pinebelt.net
The FDIC has issued an alert on circulation of fraudulent checks bearing the name of the following institution (with routing number).
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Counterfeit Cashier's Checks
Westfield Bank, FSB, Westfield Center, Ohio, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation. Westfield Bank does not issue cashier's checks; however, it does issue treasurer's checks.
The counterfeit items display the routing number 041272279, which is assigned to Westfield Bank, FSB. A security feature statement is embedded within a darkened top border. The words "Cashier's Check" are top-centered and the date appears directly below. The word "Remitter" appears in the lower-left corner. The word "Drawer" appears directly below the numerical dollar amount on the right side of the items.
Authentic checks display the bank's logo in the background with the words "Treasurer's Check" in the top center. A "Memo" line is displayed in the lower-left corner.
Any information you have concerning this matter should be brought to the attention of:
Melanie Vonovick
Accounting Manager
Westfield Bank, FSB
Two Park Circle
P.O. Box 5002
Westfield Center, Ohio 44251
Telephone: (330) 887-6980
Fax: (330) 887-4027
Email: melanievonovick@westfieldgrp.com
Today is International Credit Union Day
CUs Celebrating 'Choice' on ICU Day
This year's International Credit Union Day theme - Your Money. Your Choice. Your Credit Union - celebrates choice, which is what gave birth to the credit union as a not-for profit, cooperative alternative to for-profit, investor-owned banks, according to Credit Union National Association President/CEO Dan Mica.
Today is ICU Day. It has been celebrated on the third Thursday of October since 1948 to celebrate what credit unions do to improve their members' financial well-being, Mica said. "Whether it is opening that first account for a child, arranging financing on a used car, making a small-business loan, holding a seminar on improving credit scores or opening a branch in a community without financial services, credit unions play a role in changing lives," he added.
"As we celebrate International Credit Union Day, we recommit to the credit union spirit of unity and service to members," Mica said. "We also look to spread the credit union idea to the millions in the U.S. and abroad who are yet unfamiliar with our philosophy and benefits so that they may discover what millions already know: When you are a member, it really is your credit union."
On ICU Day, credit unions are recommitting to the credit union spirit of unity and service to members and spreading the credit union philosophy to those in the U.S. and overseas. The World Council of Credit Unions (WOCCU) is kicking off its celebration with a "Celebrating Our Heritage" webinar, led by WOCCU President/CEO Pete Crear. The webinar takes place at 2 p.m. EDT today.
"The role credit unions play has gained even greater importance this past year in light of the global financial crisis, which continues to negatively affect our members worldwide," said Barry Jolette, WOCCU chair. "The strength and empowerment that comes through cooperative financial ownership cannot be underestimated, making credit union access more critical to members than ever before."
Jolette also echoed Mica's thoughts about the importance of choice.
"On ICU Day and every day, credit union involvement is a choice we have made," he said. "It remains the responsibility of each of us to make sure the world understands the value of credit unions so that next year, even more people will be served by credit unions."
Washington Gov. Chris Gregoire proclaimed today as Credit Union Day in the state to celebrate the 75th year of the Washington Credit Union League. This is the fifth consecutive year the governor has proclaimed ICU Day as Credit Union Day. Several credit unions, including O Bee CU in Tumwater and Evergreen Direct CU in Olympia, also are participating in a contest that honors the 75,000th new credit union member with gift certificates and prizes. More than 67,000 Washingtonians joined credit unions by the end of June, and 75,000th person is expected to join during the remainder of the year (The Olympian Oct. 13).
The Maryland and District of Columbia Credit Union Association is hosting a reception today at Credit Union House in Washington, D.C., with guest speakers including National Credit Union Administration board member Gigi Hyland and Mica. The association also will celebrate its international partnerships with the United Kingdom and Nicaraguan credit union movements (Focus newsletter Oct. 12).
BECU, Tukwila, Wash., is reaching out to college students this week by teaching them how to manage their finances and avoid scams. The BECU Mobile Financial Center will lead the "GO BECU Tour" with visits to four college campuses around Puget Sound, Wash., to teach students about money. The average college student graduates with between $3,000 and $4,000 in credit card debt, according to the credit union.
"The 'Go BECU Tour' is about making sure students know their options and understand how to navigate the confusing financial landscape," said Gary Oakland, BECU CEO.
Alabama and Florida state government declared today as ICU Day. The League of Southeastern Credit Unions (LSCU), in honor of its Alabama and Florida member credit unions, created a proclamation that recognized accomplishments of the credit union movement, and submitted it for signature to the governors of both states.
"We at LSCU wanted to highlight in a public way the many reasons why people choose credit unions for access to fair and affordable financial services," said Patrick La Pine, president/CEO of LSCU. "Credit union members reap the benefits of doing business with a financial institution they own--one focused on service to its members, not profits for its stockholders. That means value, service, respect, and the opportunity to be part of a financially sound and socially responsible institution."
In Alabama, Gov. Bob Riley signed the proclamation. In Florida, Gov. Charlie Crist and members of the Florida Cabinet signed and presented the proclamation at a Sept. 29 cabinet meeting.
Retired Florida league leaders Guy M. Hood, former president/CEO, and Aletta Shutes, former executive vice president, were also honored for their many contributions to the credit union movement. Both retired from the league in August and July, respectively.
CUNA News Now
The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Citibank, N.A., Hagatna, Guam, has contacted the Federal Deposit Insurance Corporation
The counterfeit items display the routing number 121405034, which is assigned to Citibank, N.A. The items have ornate top and side borders. A security feature statement is displayed along the top border on either side of the words "CASHIERS CHECK." The words "NAME OF REMITTER" and "ADDRESS" appear in the lower-left corner of the items. A thermochromic icon appears in the top-right corner.
Authentic checks display a security feature statement embedded within a darkened top border. The words "CASHIER'S CHECK" appear vertically along the left side of the checks. The words "LOAN NO." and "REMITTER" appear in the lower-left corner. The bank's logo is top-centered. The bank's location and the statement "Cleared through the U.S. Federal Reserve" are displayed in the top-left corner.
Any information you have concerning this matter should be brought to the attention of:
Ruby De Lima
Check Clearing and Processing Unit
Citibank, N.A.
P.O. Box FF
Hagatna, Guam 96932
Telephone: (671) 475-4138
Fax: (671) 475-4147
E-mail: ruby.delima@citi.com
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Counterfeit Cashier's/Certified Checks
Republic Bank & Trust Company, Louisville, Kentucky, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's/certified checks bearing the institution's name are in circulation.
The counterfeit items display the routing number 083001314, which is assigned to Republic Bank & Trust Company. The items have a thick top border and are otherwise similar to authentic checks.
Authentic checks display both top and bottom borders.
Any information you have concerning this matter should be brought to the attention of:
Vickie Reiter
Fraud Investigator
Republic Bank & Trust Company
601 West Market Street
Louisville, Kentucky 40202
Telephone: (502) 560-8687
Fax: (502) 498-1276
E-mail: vreiter@republicbank.com
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The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
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Counterfeit Cashier's Checks
Prudential Bank and Trust, FSB, Hartford, Connecticut, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in cir
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