Connecticut Credit Union Association, Inc.

FDIC Check Fraud Alerts 9-9-10

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

FDIC Check Fraud Alerts 8-5-10

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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FDIC Check Fraud Alerts 8-4-10

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

FDIC Check Fraud Alerts 7-26-10

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
__________

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
__________

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
__________

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
__________

FDIC Check Fraud Alerts 6-23-10

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

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
__________

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
__________

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
__________

FDIC Check Fraud Alerts 6-22-10

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 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
__________

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
__________

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
__________

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
__________

FDIC Check Fraud Alerts 6-15-10

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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

FDIC Check Fraud Alerts 6-8-10

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

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

FDIC Check Fraud Alerts 5-27-10

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

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
__________

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
__________

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
_________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

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
__________

FDIC Check Fraud Alerts 5-14-10

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

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
__________

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
__________

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
__________

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
__________

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
__________

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

FDIC Check Fraud Alerts 5-4-10

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

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
__________

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
__________

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
__________

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
__________

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
__________

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

FDIC Check Fraud Alerts 4-28-10

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

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

FDIC Fraud Alerts 3-9-10

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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Reality Fair Sample CU Web Page

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.
_______________________________________

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.

FDIC Fraud Alerts 3-2-10

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

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

FDIC Fraud Alerts 1-29-10

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

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

FDIC Check Fraud Alerts 1-20-10

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 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

FDIC Check Fraud Alerts 1-19-10

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

FDIC Fraud Alerts 12-28-09

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

FDIC Fraud Alerts 12-17-09

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

FDIC Fraud Alerts 12-16-09

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 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

FDIC Fraud Alerts 12-4-09

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

FDIC Fraud Alerts 11-10-09

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

FDIC Fraud Alert 10-30-09

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.

FDIC Fraud Alerts 10-28-09

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

International Credit Union Day

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

FDIC Fraud Alerts 10-6-09

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 circulation.

The counterfeit items display the routing number 011975221, which is assigned to Prudential Bank and Trust, FSB. The items are very similar to authentic cashier's checks. A telephone number, which is not associated with the bank, is displayed below the bank's name and address in the top-left corner.

Authentic checks have a security feature statement embedded within a darkened top border.

Any information you have concerning this matter should be brought to the attention of:
   Heather M. Corrado
   Vice President and Chief Operating Officer
   Prudential Bank and Trust, FSB
   280 Trumbull Street
   Hartford, Connecticut 06103
   Telephone: (860) 534-4513
   Fax: (860) 534-3595
   Email: heather.corrado@prudential.com
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Counterfeit Cashier's Checks

Edmonton State Bank, Glasgow, 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 083904181, which is assigned to Edmonton State Bank. The items have ornate top and side borders with the words "CASHIER'S CHECK" inside of a rectangle in the top-center area. All of the fields on the items are shown as perforated lines. A restrictive feature statement appears to the left of two authorized signature lines.

Authentic cashier's checks have the words "CASHIER'S CHECK" in the lower-left corner. The checks display black and white borders, and a security feature statement below the written amount line. A security padlock icon appears to the right of the word "DOLLARS" at the end of the written amount line. The checks have arrows preceding each field.

Any information you have concerning this matter should be brought to the attention of:
   Chad White
   Vice President of Operations
   Edmonton State Bank
   P.O. Box 1149
   Glasgow, Kentucky 42141
   Telephone: (270) 659-3540
   Fax: (270) 659-3542
   Email: cwhite@edmontonstatebank.com
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Counterfeit Cashier's Checks

Premier Service Bank, Riverside, 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 122243240, which is assigned to Premier Service Bank. The items are very similar to authentic checks. However, the counterfeit items have a vertical security statement and padlock icon along the right side.

Any information you have concerning this matter should be brought to the attention of:
   Margaret Loya
   Vice President and Operations Administrator
   Premier Service Bank
   3637 Arlington Avenue, Suite B
   Riverside, California 92506
   Telephone: (951) 274-2400, extension 227
   Fax: (951) 274-2409
   E-mail: margaret@premierservicebank.com
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Counterfeit Checks

First Federal Savings and Loan Association of Independence, Independence, Kansas, 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 301170817, which is not assigned to First Federal Savings and Loan. The items are markedly dissimilar to authentic checks. The items display the name "FIRST FEDERAL SAVINGS & LOAN ASSN" and a P.O. Box address in the top-left corner. Seven arrows appear before the words "PAY ONLY" on the left side of the items. The statement "VOID AFTER 6 MONTHS" appears on the right side. The words "PAY" and "TO THE ORDER OF" appear on two separate lines. The phrase "MEMBER OF FDIC" appears centered on the lower-portion of the items.

Authentic checks display the routing number 011007092, which is assigned to the Bank of New York Mellon, Everett, Massachusetts. First Federal Savings and Loan issues checks through a payable-through account at the Bank of New York Mellon. The checks have an ornate border with a security feature statement below the top border. The bank's logo, name and locations are displayed in the top-left corner. The statement "VOID AFTER 6 MONTHS" appears in the top center of the checks. The words "PAYABLE THROUGH BANK OF NEW YORK MELLON, EVERETT, MA" are displayed in the lower-left corner. The bank's name appears above the signature line in the lower-right corner.

Any information you have concerning this matter should be brought to the attention of:
   Cindi Alexander
   Staff Accountant
   First Federal Savings and Loan
   P.O. Box 947
   Independence, Kansas 67301
   Telephone: (620) 331-1660
   Fax: (620) 331-1694
   E-mail: cindi@firstfederalsl.com
__________

FDIC Fraud Alerts 10-1-09

The FDIC has issued alerts on circulation of fraudulent checks bearing the name(s) of individual institution(s) (with routing numbers).
__________

Counterfeit Official Checks

First Southern Bank, Florence, Alabama, 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 262283665, which is assigned to First Southern Bank. The items have a solid pink background and display a security feature statement along the bottom border between two padlocks.

Authentic checks have a marbled pink background and display a security feature statement embedded in a darkened top border.

Any information you have concerning this matter should be brought to the attention of:
   Cindy Schlosser
   Senior Vice President Operations Manager
   First Southern Bank
   303 North Pine Street
   Florence, Alabama 35630
   Telephone: (256) 718-4204
   Fax: (256) 718-4277
   Email: cschlosser@firstsouthern.com

Alternate Contact:
   Heather Hammond
   Assistant Vice President and Bank Secrecy Act Officer
   First Southern Bank
   303 North Pine Street
   Florence, Alabama 35630
   Telephone: (256) 718-4210
   Fax: (256) 718-4277
   Email: hhammond@firstsouthern.com
__________

Counterfeit Official Checks

A. J. Smith Federal Savings Bank, Midlothian, 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 271970448, which is assigned to A. J. Smith Federal Savings Bank. The items have ornate top and bottom borders with security feature statements embedded in them.

Authentic checks have a green marbled background. A security feature statement is displayed at the top of the check above the words "OFFICIAL CHECK."

Any information you have concerning this matter should be brought to the attention of:
   Pamela Favero
   Chief Financial Officer and Bank Secrecy Act Officer
   A. J. Smith Federal Savings Bank
   14757 South Cicero Avenue
   Midlothain, Illinois 60445
   Telephone: (708) 237-8127
   Fax: (708) 687-7477
   Email: pfavero@ajsmithbank.com
__________

Counterfeit Official Checks

Lone Star Bank, S.S.B., Moulton, Texas, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. Lone Star Bank, S.S.B. does not issue official checks; however, it does issue cashier's checks.

The counterfeit items display the routing number 113119985, which is assigned to Lone Star Bank, S.S.B. The items display a security feature statement embedded in a darkened top border and along the bottom border between two padlocks. The words "OFFICIAL CHECK" appear in the lower-left corner.

Authentic checks have security feature statements embedded in darkened top and side borders. The bank's telephone number appears below its name, locations and P.O. Box address in the top center. The words "CASHIER'S CHECK" appear in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Sheryl Janak
   Auditing Officer
   Lone Star Bank, S.S.B.
   100 South Main
   P.O. Box A
   Moulton,Texas 77975
   Telephone: (361) 596-4611
   Fax: (361) 596-7519
   E-mail: sjanak@lonestarbank.net
__________

Counterfeit Money Orders

Bank Mutual, Brown Deer, Wisconsin, 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 092005411, which is assigned to First Interstate Bank, Helena, Montana. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "DRAWER" and "DRAWEE" appear in the top-right corner.

Authentic money orders display the routing number 275071330 and have ornate borders with a security statement just below the top border. The bank's name, location and a restrictive statement ("NOT VALID OVER $1,000") appear 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 53224-9534
   Telephone: (414) 362-6126
   Fax: (414) 371-8391
   Email: cynthia.frank@bankmutual.com
__________

Counterfeit Official Checks

Peoples Bank, Lynden, Washington, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. Peoples Bank does not issue official checks; however, it does issue cashier's checks.

The counterfeit items display the routing number 122042205, which is assigned to Preferred Bank, Los Angeles, California. Peoples Bank issues cashier's checks through a payable through account held at Preferred Bank. The counterfeit items display a security feature statement embedded in the top border. The words "OFFICIAL CHECK" are in the top center. A written amount line appears in the center of the items. A security feature statement appears in the lower-right corner under the "AUTHORIZED SIGNATURE" line.

Authentic checks display a security feature statement just below the top border. The words "CASHIER'S CHECK" are in the top center. The abbreviation "RE:" appears under the wording "Pay to the Order of." A "NOTICE TO CUSTOMERS" statement appears in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Deposit Operations Department
   Peoples Bank
   419 Liberty Street
   PO Box 233
   Lynden, Washington 98264
   Telephone: (360) 354-7249
   Fax: (360) 354-7242
   Email: Tera.Swan@peoplesbank-wa.com
__________

Counterfeit Official Checks

Central Bank, Houston, 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 092005411, which is assigned to First Interstate Bank, Billings, Montana. Central Bank issues official checks through Moneygram Payment Systems Incorporated, Minneapolis, Minnesota, payable through First Interstate Bank. The counterfeit items have ornate top and side borders. A security feature statement is displayed along the top border on either side of the words "OFFICIAL CHECK." The bank's name, logo and a location not associated with the bank appear in the top-left corner. The word "Date" is displayed slightly off center. A security feature statement and a padlock icon appear next to the right border. The statement "TWO SIGNATURES REQUIRED OVER $25,000" appears in the lower-right corner under the signature lines.

Authentic checks are light blue with darkened borders. A security feature statement is displayed under the top border. A box for the check amount appears under the words "OFFICIAL CHECK" in the top-right corner. The word "Remitter" is displayed under the bank's logo and name in the top-left corner. A heat-reactive thermochromic icon is top-centered. The statement "TWO SIGNATURES REQUIRED OVER $125,000.00" appears in the lower-right corner under the signature lines.

Any information you have concerning this matter should be brought to the attention of:
   Margarite Gonzales
   Vice President
   Central Bank
   P.O. Box 801263
   Houston, Texas 77280-9911
   Telephone: (832) 485-2300
   Fax: (832) 485-2422
   Email: margarite@centralbankhouston.com
__________

Counterfeit Official Checks

Manasquan Savings Bank, Manasquan, 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. Manasquan Bank issues official checks through Moneygram Payment Systems Incorporated, Minneapolis, Minnesota, payable through the Bank of New York Mellon. The items are light green and display a box in the top-left corner.

Authentic checks are light blue. The bank's telephone number is displayed below the bank's logo, name and address.

Any information you have concerning this matter should be brought to the attention of:
   Alan J. Stuart
   Senior Vice President
   Manasquan Bank
   P.O. Box E
   Manasquan, New Jersey 08736
   Telephone: (732) 223-4550, extension 234
   Fax: (732) 223-2820
   Email: astuart@manasquanbank.com

U.S. Central FCU Update

From Daily Update, Monday, September 14, 2009

New Risks Emerge at U.S. Central FCU

U.S. Central FCU, which reported a whopping $4.9 billion loss for 2008, detailed new exposures to the ongoing credit crunch in its annual report issued Friday night.

The one-time $52 billion corporate credit union, taken over by NCUA on March 20, explained that its losses for last year quadrupled from the previously announced estimates of $1.2 billion for several reasons, including the continuing deterioration of the housing markets on which its vast portfolio of mortgage-backed securities are based, and problems at the main insurer for those MBSs.

As the corporate credit union for the nation's corporate credit unions, U.S. Central sits on the top of the three-tiered credit union system. As a result, losses accrued by U.S. Central will eventually trickle down to all credit unions, first to its 27 member corporates on the second tier, then to the 8,000 natural person credit unions on the bottom tier.

Upon taking U.S. Central under conservatorship, NCUA dismissed the management and the board of directors, which included two representatives of CUNA.

The deterioration of the financial condition prompted an extraordinary apology from the management in the annual report.

"Speaking for the staff of U.S. Central, we are sorry this happened," wrote James Nance, appointed by NCUA as conservator of the troubled corporate. "We are embarrassed that we allowed this to happen on our watch."

"We are haunted by self-doubt concerning our decisions. Those entrusted and vested with authority necessary to have avoided the problems are no longer affiliated with U.S. Central," he continued. "Even while we understand that responsibility rests among them, we - as an organization and as individuals - are hurt and scarred by the resulting losses absorbed by our members and by their members."

"Our failures, combined with those of the other elements of the risk-control environment designed to protect this organization, left us more vulnerable to these extraordinary market forces than, in hindsight, was appropriate," he wrote.

The report paints a bleak picture of potential future losses. For instance, it says the continuing deterioration of the underlying collateral for the MBSs has caused the downgrade of 165 securities with a par value of $6.7 billion below investment grade. Even with realized losses of more than $6 billion over the past 18 months, unrealized losses on the portfolio stood at $8 billion at year-end 2008 and $8.5 billion at mid-year 2009.

"Many of U.S. Central's investment securities are in significant unrealized loss positions as of December 31, 2008, particularly non-agency (residential) mortgage-backed securities," explained the U.S. Central auditors, Deloite and Touche. "Management believes that the unrealized losses, and the severity thereof, are the result of 1) historically high defaults and delinquencies on mortgages underlying non-agency RMBS, and 2) a severe imbalance in the current, illiquid market between supply and demand for these same securities."

In addition, U.S. Central owns a number of investment securities guaranteed by monoline insurers. One of the monoline insurers, Financial Guaranty Insurance Company, has experienced particularly severe declines in its credit ratings. Based on internal analysis and the aforementioned downgrades, U.S. Central management has determined that FGIC's claims paying ability was not sufficient to cover its estimated losses.

The situation has worsened since the end of 2008, with the troubled corporate reporting another $470.5 million in losses for the second quarter of 2009 and a $1.1 billion loss for the first six months of this year.

The accumulated losses exceed all of U.S. Central's retained earnings and capital, although NCUA said this weekend that it has yet to revise the loss figures beyond the 62.7% of member capital shares owned by U.S. Central's 27 corporate members.

NCUA, which has pledged an unprecedented level of financial resources to rescue the U.S. Central, said Friday U.S. Central remains a viable credit union. "The NCUA has made it clear that U.S. Central is to continue offering its products and services for the foreseeable future," said the agency in releasing the 2008 financials. "U.S. Centrals goal is to minimize losses to the National CU Share Insurance Fund. Under current market conditions, the board and management generally believe that losses will be minimized by continuing to hold the impaired assets and collecting principal and interest payments."

Credit Union Journal

FDIC Fraud Alerts 9-14-09

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
__________

Counterfeit Money Orders

The Miners State Bank, Iron River, Michigan, 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 091109253, which is assigned to The Miners State Bank. The items have ornate top and side borders and a security feature statement that appears on both sides of the boxed statement "PERSONAL MONEY ORDER." The counterfeit items display the restrictive statement "Not Valid Over $1,000.00" under the payee line.

Authentic money orders have an outlined ornate border with the words "PERSONAL MONEY ORDER" top-centered in a darkened box. The security statement "THIS DOCUMENT HAS A MICROPRINT SIGNATURE LINE, WATERMARK AND A THERMOCHROMIC ICON; ABSENCE OF THESE FEATURES WILL INDICATE A COPY" and the restrictive statement "Not Valid Over $1,000.00" appear under the payee line.

Any information you have concerning this matter should be brought to the attention of:
   Geri Sloat
   Vice President Compliance
   312 West Genessee Street
   Iron River, Michigan 49935
   Telephone: (906) 265-5131
   Fax: (906) 265-5575
   E-mail: geri@msbir.com
__________

Counterfeit Money Orders

The Lowell Five Cent Savings Bank, Lowell, Massachusetts, 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 211371337, which is assigned to The Lowell Five Cents Savings Bank. The items are very similar to authentic money orders except that the words "MONEY ORDER" are circled on the authentic money orders.

Any information you have concerning this matter should be brought to the attention of:
   Glenn Goldman
   Senior Vice President of Compliance and Risk
   The Lowell Five Cents Savings Bank
   One Merrimack Plaza
   Lowell, Massachusetts 01852
   Telephone: (978) 441-6458
   Fax: (978) 452-6747
   E-mail: ggoldman@lowellfive.com
__________

Counterfeit Official Checks

The Peninsula Bank of Ishpeming, Ishpeming, Michigan, 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 091101316, which is assigned to The Peninsula Bank of Ishpeming. The items are red or blue and have ornate top and side borders with "OFFICIAL CHECK" circled in the top center. A "Memo" line appears under "REMITTER" in the top left. A "NOT VALID OVER" restrictive statement appears above the "AUTHORIZED SIGNATURE" line in the lower-right corner.

The Peninsula Bank does not issue official checks; however, it does issue cashier's checks.

Authentic checks have a green background with security feature statements embedded in darkened top and bottom borders. The words "CASHIER'S CHECK" are displayed in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Joe Havican
   Security Loan Officer and Commercial Loan Officer
   100 South Main Street
   Ishpeming, Michigan 49849
   Telephone: (906) 485-6333 or (906) 226-4354
   Fax: (906) 485-1565 or (906) 228-3939
   E-mail: jhavican@penbank.com
__________

Counterfeit Cashier's Checks

The Apple Creek Banking Company, Apple Creek, 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 041208748, which is assigned to The Apple Creek Banking Company. The items are blue and display a security feature statement embedded in a darkened top border and along the bottom-right border.

Authentic checks have a security feature statement under the written amount line and a padlock icon above "DOLLARS."

Any information you have concerning this matter should be brought to the attention of:
   Michael Coleman
   Senior Vice President and Chief Financial Officer
   The Apple Creek Banking Company
   P.O. Box 327
   Apple Creek Banking Company
   Apple Creek, Ohio 44606
   Telephone: (330) 698-5003
   Fax: (330) 698-4770
   Email: mcoleman@applecreekbank.com
__________

Counterfeit Cashier's Checks

Bank of Stockton, Stockton, 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 121101037, which is assigned to the Bank of Stockton. The items are markedly dissimilar to authentic cashier's checks. They display a security feature statement embedded in a darkened top border and along the bottom border between two padlocks. The bank's name and P.O. Box address appear in the top-left corner. The written amount line appears above the "Pay to the Order of" line.

Authentic checks are light blue with a screened image background and an ornate scroll border. The words "Cashier's Check" are written in a script font in the top center along with a large serrated blue and gold seal. The bank's name and location are also in the top center. A "RE" line appears in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Sue Feston
   Assistant Vice President and Customer Service Officer
   Bank of Stockton
   P.O. Box 1110
   Stockton, California 95201
   Telephone: (209) 929-1204
   Fax: (209) 929-1564
   E-mail: sfeston@bankofstockton.com
__________

Counterfeit Cashier's Checks

The Citizens State Bank at Mohall, Mohall, 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 091308795, which is assigned to The Citizens State Bank at Mohall. The items have a security feature statement in the top center and a padlock security icon along the right border. The bank's name and P.O. Box address appear in the top-left corner. The word "Remitter" appears in the lower-left corner. The words "AUTHORISED SIGNATURE" appear below the signature line in the lower-right corner.

Authentic checks have an ornate border with the words "CASHIER'S CHECK" boxed in the top center. A padlock security icon appears next to "DOLLARS" on the right. The bank's name and location appear in the lower-left corner. A "REMITTER" line appears in the top left. The words "EXEC. VICE PRES.-ASST. CASHIER AUTHORIZED SIGNATURE" appear above the signature line.

Any information you have concerning this matter should be brought to the attention of:
   Mary A. Marmon
   Teller
   P.O. Box 127
   Mohall, North Dakota 58761
   Telephone: (701) 756-6364
   Fax: (701) 756-6366
   E-mail: csbmsl@srt.com

Fraud Alerts 9-8-09

[Please Note: Credit union-reported fraud alerts follow the FDIC report.]
__________

FDIC Fraud Alerts

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
__________

Counterfeit Cashier's Checks

Commercial Bank of Oak Grove, Missouri, Oak Grove, 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 101206389, which is assigned to Commercial Bank of Oak Grove, Missouri. The items have darkened top and side borders. The security feature statement "TWO AUTHORIZED SIGNATURES REQUIRED IF AMOUNT IS OVER $3,000.00" appears under the written amount line. A telephone number that is not associated with the bank appears under the bank's name, logo and location in the top-center of the items.

Authentic cashier's checks have ornate borders on all sides with a security padlock icon embedded in the right border. The security feature statement "TWO AUTHORIZED SIGNATURES REQUIRED IF AMOUNT IS OVER $2,000.00" appears under the written amount line.

Any information you have concerning this matter should be brought to the attention of:
   Jeff Fortney
   Vice President and Cashier
   Commercial Bank of Oak Grove, Missouri
   1114 Broadway
   Oak Grove, Missouri 64075
   Telephone: (816) 690-4416
   Fax: (816) 690-8201
   E-mail: fortney_jeff@hotmail.com
__________

Counterfeit Cashier's Checks

East West Bank, Pasadena, 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 322070381, which is assigned to East West Bank. The counterfeit items are very similar to authentic cashier's checks; however, authentic checks have "Secure Standard Register" printed in orange on the back.

Any information you have concerning this matter should be brought to the attention of:
   Ken Tang
   Assistant Vice President and Assistant Manager Fraud and Investigations
   East West Bank
   9300 Flair Drive, Fourth Floor
   El Monte, California 91731
   Telephone: (626) 371-8533
   Fax: (626) 242-9771
   E-mail: ktang@eastwestbank.com

Alternate Contact:
   Tito Ochoa
   Fraud Investigator
   East West Bank
   9300 Flair Drive
   El Monte, California 91731
   Telephone: (626) 371-8524
   Fax: (626) 242-9771
__________

Counterfeit Cashier's Checks

CCB Community Bank, Andalusia, 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 062105778, which is assigned to CCB Community Bank. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. The words "Cashier's Check" appear in the top-left corner. The items have the bank's logo, the name "Covington County Bank" and a toll-free telephone number that is not associated with the bank in the lower-left corner. Two signature lines are displayed in the lower-right corner.

Authentic checks have ornate borders and a "NOTICE TO CUSTOMERS" statement located directly under the words "CASHIER'S CHECK" in the lower-left corner. The bank's logo, name and location are top-centered. A "REMITTER" line appears in the top-left corner. One signature line is displayed in the lower-right corner.

Any information you have concerning this matter should be brought to the attention of:
   Debbie Grissett
   Senior Vice President Operations
   CCB Community Bank
   P.O. Box 400
   Andalusia, Alabama 36420
   Telephone: (334) 427-3991
   Fax: (334) 427-4381
   E-mail: dgrissett@bankccb.com
___________

Counterfeit Official Checks

Ally Bank, Midvale, Utah, 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 031176136, which is assigned to Ally Bank. The words "OFFICIAL CHECK" appear in the lower-left corner under "GMAC Bank." The name "GMAC Bank" and location appear in the top-left corner as "GMAC Bank, P.O. Box 951, Horsham, PA 19044."

Authentic checks display the routing number 124003116, which is assigned to Ally Bank. The checks have a blue background. The words "OFFICIAL CHECK" are top-centered and "Ally Bank" is displayed in the top-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Michael O'Neill
   Fraud Manager
   Ally Bank
   1100 Virginia Drive
   Fort Washington, Pennsylvania 19034
   Telephone: (215) 734-5966
   Fax: (866) 502-8657
   E-mail: michael.o'neill@gmacbank.com
__________

Counterfeit Cashier's Checks

Iowa Trust and Savings Bank, Emmetsburg, 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 073921093, which is assigned to Iowa Trust and Savings Bank. A security feature statement is embedded in a darkened top border and along the bottom border between two padlocks. One signature line appears in the lower-right corner of the items.

Authentic checks have a security padlock icon embedded within the right border. The security statement "THIS DOCUMENT HAS A MICROPRINT SIGNATURE LINE, AUTHENTIC WATERMARK, AND CHOLOROSTAIN PAPER; ABSENCE OF THESE FEATURES WILL INDICATE A COPY" appears under the written amount line. Two signature lines appear in the lower-right corner of the check.

Any information you have concerning this matter should be brought to the attention of:
   Colleen M. Heldt
   Cashier and Chief Financial Officer
   Iowa Trust and Savings Bank
   2101 Tenth Street
   P.O. Box 159
   Emmetsburg, Iowa 50536-0159
   Telephone: (712) 852-3451, Extension 241
   Toll Free: (800) 233-9109
   Fax: (712) 852-4232
   E-mail: cheldt@iowatrustbank.com
__________

Counterfeit Cashier's Checks

Shinhan Bank America, New York, New York, 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 026011963, which is assigned to Shinhan Bank America. The items are markedly dissimilar to authentic cashier's checks. The words "Cashier's Check" are top-centered and the bank's name and logo are in the top-left corner. One signature line is displayed in the lower-right corner.

Authentic checks display the routing number 026011963 or 122041646. The words "CASHIER'S CHECK" appear directly under the written amount line in the lower-left corner of the check. The bank's logo, name and Web site are top-centered. A "REMITTER" line appears in the top-left corner. Two signature lines are displayed in the lower-right corner, along with the restrictive statement, "2 SIGNATURES REQUIRED FOR AMOUNT OVER $50,000."

Any information you have concerning this matter should be brought to the attention of:
   Carolyn Byon
   Vice President
   Shinhan Bank America
   330 Fifth Avenue
   New York, New York 10001
   Telephone: (646) 843-7304
   Fax: (212) 244-1953
   E-mail: operationsupport@shbamerica.com

_______________________________________

CU Fraud Alerts

1. A northern CT credit union reported that a member received a letter in the postal mail announcing she had won a “customer rewards” award of $8,000 dollars as a result of her purchases at a Target store. The letter included a record of actual purchases she had made at the store. Attached was a check in the amount of $985 as initial payment to help her pay the tax on her winnings. She was told to wire out $800 to a specific location. She deposited her check and wired out the funds as instructed. When the check came back to the credit union as counterfeit, the credit union called her in to explain the fraud situation. Unfortunately, the member lost the money she had wired.

Credit unions are encouraged to question every such check deposit or cashing that comes to the teller line.

2. The president/CEO of a southeastern CT credit union received an “important notice” email purportedly from Bank of America that led her to a website where she was to confirm specific information on her “account,” which she does not have. The page asked for her ATM or check card PIN, credit and debit card numbers, bank account number, phone number, SS number, and even her mother’s maiden name and driver’s license number.

This is obviously an attempt to acquire confidential information for purposes of fraud. Credit unions are cautioned to inform their members about such attempts.

FDIC Fraud Alerts 8-24-09

FDIC Fraud Alerts

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
__________

Counterfeit Official Checks

Eastern Bank, Boston, Massachusetts, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's name are in circulation. Eastern Bank does not issue official checks; however, it issues personal money orders.

The counterfeit items display the routing number 011301798, which is assigned to Eastern Bank. A security feature statement is embedded within the top and bottom borders. The words "OFFICIAL CHECK" and the statement "NOT VALID AFTER 90 DAYS" are displayed in the lower-left corner. One "AUTHORIZED SIGNATURE" line appears in the lower-right corner.

Authentic money orders have an outlined border with a security feature statement embedded in the bottom border. The words "PERSONAL MONEY ORDER" and the statement "NOT VALID FOR MORE THAN $1,000.00" appear in the lower-left corner. A "DRAWER" line and an "ADDRESS" line are in the lower-right corner.

Any information you have concerning this matter should be brought to the attention of:
John Curtis
Fraud Investigator
Corporate Security
One Eastern Place
Lynn, Massachusetts 01901
Telephone: (781) 598-7474
Fax: (781) 598-7907
E-mail: j.curtis@easternbank.com
__________

Counterfeit Cashier's Checks

Horizon Federal Credit Union, Williamsport, 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 031302528, which is assigned to Woodlands Bank. Horizon Federal Credit Union cashier's checks are issued through Woodlands Bank, Williamsport, Pennsylvania. The items are dissimilar to authentic cashier's checks. The counterfeit items display a security feature statement embedded in a darkened top border. The bank's name, P.O. Box, street address, and location appear in the top-left corner.

Authentic cashier's checks are light blue with a border that varies in color: dark blue, dark purple or dark orange. The credit union logo, name, P.O. Box, address and telephone and fax numbers are in the top-left corner.

Any information you have concerning this matter should be brought to the attention of:
Traci Donahue
Operations Manager
Horizon Federal Credit Union
P.O. Box 1355
1007 East 3rd Street
Williamsport, Pennsylvania 17701-1355
Telephone: (570) 326-3636 extension 214
Fax: (570) 326-5333
E-mail: tdonahue@horizonfcu.org
__________

Counterfeit Official Checks

New York Community Bancorp, Westbury, New York (parent company of New York Community Bank, formerly known as Synergy Bank), has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit official checks bearing the institution's former name are in circulation.

The counterfeit items display the routing number 221278721, which is assigned to New York Community Bank. Synergy Bank does not issue official checks; however, it does issue cashier's checks. The counterfeit items display the name "Synergy Federal Savings Bank"; authentic checks display "Synergy Bank." A security feature statement is embedded in the top border, and a padlock and security statement are embedded along the right border. The words "OFFICIAL CHECK" are top-centered. A line-columned box appears in the lower-left corner.

Authentic cashier's checks display a security feature statement within the top border. The words "CASHIER'S CHECK" appear in the top portion. A conditional and restrictive statement is also shown above the signature lines.

Any information you have concerning this matter should be brought to the attention of:
James Christopher
Assistant Treasurer
New York Community Bancorp (parent company of Synergy Bank)
615 Merrick Avenue
Westbury, New York 11590
Telephone: (516) 683-4180
Fax: (516) 683-8099
Email: James.Christopher@myNYCB.com
__________

Counterfeit Cashier's Checks

The Cape Cod Five Cents Savings Bank, Harwich Port, Massachusetts, 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 211371078, which is assigned to The Cape Cod Five Cents Savings Bank. The Cape Cod Five Cents Savings Bank does not issue cashier's checks; however, it issues treasurer's checks. The counterfeit items display a security feature statement embedded in a darkened top border and along a darkened bottom border. The words "CASHIER'S CHECK" appear in the bottom-left corner.

Any information you have concerning this matter should be brought to the attention of:
Diane K. Rowlings
Assistant Vice President and Security Officer
The Cape Cod Five Cents Savings Bank
19 West Road
P.O. Box 10
Orleans, Massachusetts 02653
Telephone: (508) 247-2128
Fax: (508) 247-5595
E-mail: drowlings@capecodfive.com
___________

Counterfeit Cashier's Checks

Northway Bank, Berlin, New Hampshire, 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 011700425, which is assigned to Northway Bank. Northway Bank does not issue cashier's checks. It does, however, issue official checks through MoneyGram Payment Systems Inc., Minneapolis, Minnesota. Authentic official checks display the routing number 011007092, which is assigned to a MoneyGram Payment Systems account held at Boston Safe Deposit and Trust Company, Boston, Massachusetts.

The counterfeit items display the words "CASHIER'S CHECK" inside a darkened box in the top center. A security feature statement is centered in a darkened box in the top border. A rectangle containing the numerical amount appears in the middle of the item. The restrictive statement "COUNTER SIGNATURE REQUIRED FOR AMOUNTS OVER $5,000.00" appears below the signature line.

Any information you have concerning this matter should be brought to the attention of:
Yolanda Kelley
Security Officer
Northway Bank
P.O. Box 9
Berlin, New Hampshire
Telephone: (603) 752-1171, extension 2709
Fax: (603) 752-4620
E-mail: ykelley@northwaybank.com

FDIC Fraud Alerts 1-16-09

Fedwire Phishing Scheme

Fraudulent e-mails claiming to be from the Federal Reserve Bank that warn of a phishing attack on the Fedwire system are reportedly in circulation.

The Federal Deposit Insurance Corporation (FDIC) is warning consumers, businesses and financial institutions to be aware of fraudulent e-mails allegedly from the Federal Reserve Bank. The fraudulent e-mails claim that a phishing attack has affected the Fedwire system and that restrictions are in place. The e-mails further instruct recipients to click on links within the e-mail for additional information.

The fraudulent e-mails have included various spoofed names and addresses in the "From:" line of the messages, including "Bank System Administration," "System Administration," and "Federal Reserve Bank." The e-mails contain the following message verbatim:
__________

"FEDERAL RESERVE BANK

Important:

You're getting this letter in connection with new directives issued by U.S. Treasury Department. The directives concern U.S. Federal Wire online payments.

On On January 1, 2009 a large-scaled phishing attack started and has been still lasting. A great number of banks and credit unions is affected by this attack and quantity of illegal wire transfers has reached an extremely high level.

U.S. Treasury Department, Federal Reserve and Federal Deposit Insurance Corporation (FDIC) in common worked out a complex of immediate actions for the highest possible reduction of fraudulent operations. We regret to inform you that definite restrictions will be applied to all Federal Wire transfers from January 6 till January 16.

Here you can get more detailed information regarding the affected banks and U.S. Treasury Department restrictions:"
__________

This message contains links to two Web pages that attempt to load malicious Trojan horse programs onto end users' computers.

Consumers, businesses and financial institutions should be aware that Fedwire operations are not restricted and are operating as normal, and should take the following precautions:

● If an end user received the e-mail and clicked on any of the links, fully scan the computer using updated anti-virus software. If malicious code is detected on the computer, consult with a computer security or anti-virus specialist to remove the malicious code or re-install a clean image of the computer system.

● Be aware that phishing e-mails frequently have links to Web pages that host malicious code and software. Do not follow Web links in unsolicited e-mails from apparent federal banking agencies. Instead, bookmark or type the agency's Web address.

● Always use anti-virus software and ensure that the virus signatures are automatically updated. Ensure that the computer operating systems and common software applications security patches are installed.

● Do not open unsolicited or unexpected e-mail attachments because of the risk of malicious code or software in the attachments. Instead, call the agency using a known and appropriate telephone number to verify the legitimacy of the message and attached file.
● Be alert to different variations of the fraudulent e-mails.
__________

Fraudulent Checks

The FDIC has issued an alert on circulation of fraudulent checks bearing the name of the following institution (with routing numbers):

Counterfeit Checks

The First State Bank, Stockbridge, Georgia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.

There are two different versions of counterfeit items:

1. The first version displays a security feature statement embedded in the top and bottom borders and a padlock icon in the right border. The routing number 061101171, which is assigned to The First State Bank, is also displayed.

2. The second version of counterfeit items shows a security feature statement embedded in a darkened top border and along the bottom border between two padlock icons. A logo is shown in the center of the item. The routing number 044015543, which is assigned to The Huntington National Bank, Columbus, Ohio, is also displayed.

Authentic official checks display a security statement just below the top border and the routing number 044015543, which is assigned to The Huntington National Bank, Columbus, Ohio. The bank issues its official checks through a Moneygram Payment Systems, Inc. account at The Huntington National Bank.

Copies of the counterfeit items 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:
   Lee Ann McCullough
   Loss Prevention Officer
   The First State Bank
   P.O. Box 928
   Stockbridge, Georgia 30281
   Telephone: (770) 474-7293
   Fax: (770) 474-8053
   E-mail: fsbadmin1@firststateonline.com

FDIC Fraud Alerts 1-9-08

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
__________

Counterfeit Checks

Oceanside Bank, Jacksonville, Florida, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit checks bearing the institution's name are in circulation.

Some counterfeit items display the routing number 063105515, which is assigned to Lafayette State Bank, Mayo, Florida, and some counterfeit items display the routing number 063114276, which is assigned to Oceanside Bank. The counterfeit items display a security feature statement embedded in the top border and the bank's name and address in the top-center area.

Authentic cashier's checks display the words "CASHIER'S CHECK" vertically along the left side and the bank's name, address and telephone number in the top-left corner. "VOID AFTER 90 DAYS," "PAYABLE THROUGH BB&T, CHARLESTON, WV," and "REMITTER:" are shown below the bank's name, address, and telephone number.

Any information you have concerning this matter should be brought to the attention of:
   Ann Van Voorst
   Senior Vice President
   Oceanside Bank
   13799 Beach Boulevard
   Suite 100
   Jacksonville, Florida 32224
   Telephone: (904) 247-9494
   Fax: (904) 247-4672
   E-mail: avanvoorst@oceansidebank.com
__________

Counterfeit Cashier's Checks

Ossian State Bank, Ossian, 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 074910087, which is assigned to Ossian State Bank. The items also display a security feature statement embedded in the top border and along the bottom border between two padlocks. The word "REMITTER" appears in the lower-left side and a toll-free telephone number is displayed in the bottom-left corner.

Authentic checks display a security statement within the top border. The bank's name, address and toll-free telephone number appear in the upper-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Carol Forst
   Compliance & BSA Director
   Ossian State Bank
   P.O. Box 325
   Ossian, Indiana 45777
   Telephone: (260) 622-4141, extension 36
   Fax: (260) 622-6142
   E-mail: cforst@ossianstatebank.com
__________

Counterfeit Checks

First Federal Savings and Loan Association of Charleston, Charleston, South Carolina, 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 253271945, which is assigned to First Federal Savings and Loan Association of Charleston. The counterfeit items are similar to authentic official checks; however, they display the address "P.O. Box 113058" in the top center and a vertical security feature statement along the right side.

Authentic checks display the address "P.O. Box 118068" in the top center. A security feature statement is displayed above the bank's name, city and state in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Robert C. Bailey
   Senior Vice President
   First Federal Savings and Loan Association of Charleston
   2440 Mall Drive
   Charleston, South Carolina 29406
   Telephone: (843) 529-5800
   Fax: (843) 529-5449
   E-mail: rbailey@firstfederal.com
__________

Counterfeit Cashier's Checks

First County Bank, New Baden, 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 081914856, which is assigned to First County Bank. The counterfeit items are similar to authentic cashier's checks; however, they are printed on blue, green and brown check stock and display a security feature statement along the bottom border between two padlock icons.

Authentic cashier's checks are printed on grey check stock.

Any information you have concerning this matter should be brought to the attention of:
   Darlene Larsen
   Bank Secrecy Act Officer
   First County Bank
   14-22 East Hanover
   New Baden, Illinois 62265
   Telephone: (618) 346-9000
   Fax: (618) 346-9051
   E-mail: dlarsen@fcbbanks.com
__________

Counterfeit Cashier's Checks

Greer State Bank, Greer, 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 053202062, which is assigned to Greer State Bank. They also display a security feature statement along the bottom border between two padlock icons. A toll-free telephone number, which is not associated with the bank, is displayed in the lower-left corner.

Authentic cashier's checks display the bank's address to the right of the logo in the top-left corner and "VOID OVER $ 1.00" in the bottom center.

Any information you have concerning this matter should be brought to the attention of:
   Rick Danner
   Vice President of Security
   Greer State Bank
   P.O. Box 1029
   Greer, South Carolina 29652
   Telephone: (864) 848-5140
   Fax: (864) 968-1437
   E-mail: rdanner@greenstatebank.com
__________

Counterfeit Cashier's Checks

First Independent Bank of Nevada, Reno, Nevada, 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 121202062, which is assigned to First Independent Bank of Nevada. The items also display the words "Cashiers Check" inside a rectangular box embedded in the top border. The top and side borders have an ornate design.

Authentic cashier's checks display vertical security statements and padlock icons along the left and right sides.

Any information you have concerning this matter should be brought to the attention of:
   Dana Paull
   Assistant Vice President and Compliance and BSA/AML Officer
   First Independent Bank of Nevada
   P.O. Box 11100
   Reno, Nevada 89511
   Telephone: (775) 824-4248
   Fax: (775) 824-4255
   E-mail: dpaull@firstindependentnv.com
__________

Counterfeit Cashier's Checks

Welcome State Bank, Welcome, 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 091210993, which is assigned to Welcome State Bank. The items also display security feature statements embedded in the top border and along the bottom border between two padlock icons. The word's "CASHIER'S CHECK" are shown in the top-left corner and a toll-free telephone number is shown below the bank's name and address in the top-center area.

Authentic cashier's checks display a designed border on all four sides and a security statement below the written dollar amount line. A padlock icon is shown on the right side of the dollar amount line and the words "CASHIER'S CHECK" are shown in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Mark A. Stoffel
   Vice President
   Welcome State Bank
   111 Guide Street, North
   P.O. Box 238
   Welcome, Minnesota 56181
   Telephone: (507) 728-8251
   Fax: (507) 728-8819
   E-mail: stoffel@welcomestatebank.com

Alternate Contact:
   Jon Saxen
   President
   Welcome State Bank
   111 Guide Street, North
   P.O. Box 238
   Welcome, Minnesota 56181
   Telephone: (507) 728-8251
   Fax: (507) 728-8819
   E-mail: jsaxen@welcomestatebank.com

FDIC Fraud Alerts 1-6-09

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
_______________________________________

Counterfeit Official Checks

Bank of Bolivar, Bolivar, Missouri, 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 096016765, which is assigned to U.S. Bank, Saint Paul, Minnesota. Bank of Bolivar issues authentic official checks through a Moneygram Payment Systems, Inc., account held at U.S. Bank.

There are two versions of counterfeit items. The first version displays a security feature statement embedded in a darkened top border. The second version displays security feature statements embedded in darkened top and bottom borders.

Authentic official checks have ornate borders on all sides and display a security statement just beneath the top border.

Any information you have concerning this matter should be brought to the attention of:
Barbara Hensley
Senior Vice President and Cashier
Bank of Bolivar
495 South Springfield Avenue
P.O. Box 560
Bolivar, Missouri 65613
Telephone: (417) 777-6500
Fax: (417) 777-5649
_______________________________________

Counterfeit Cashier's Checks

Bank of Dickson, Dickson, 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 064108236, which is assigned to Bank of Dickson. The items also display a security feature statement embedded in the top border and along the bottom border between two padlocks. A logo not associated with the bank and the bank name appear in the top-left corner.

Authentic cashier's checks display the bank's name and address in the upper-left corner. The words "CASHIER'S CHECK" appears in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
Brenda Legg
Senior Vice President
Bank of Dickson
466 Highway 46
Dickson, Tennessee 37055
Telephone: (615) 446-3732
E-mail: blegg@bankofdickson.com
_______________________________________

Counterfeit Official Checks

New York Community Bank, Islandia, 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 counterfeit items display the routing number 021412114, which is assigned to New York Community Bank. The checks include the added statement "and original document security screen on back with padlock device icon." The security statement is along the top border of the check.

Authentic official checks display a security feature statement embedded in the top border and along the bottom border between two padlocks. A toll-free telephone number is displayed in the lower-left corner. An oval, bordered with lettering, surrounds a skeleton key picture and is displayed in the bottom center.

Any information you have concerning this matter should be brought to the attention of:
Peter Lindner
Assistant Security Manager
Security Department
New York Community Bank
615 Merrick Avenue
Westbury, New York 11590
Telephone: (516) 683-4112
Fax: (516) 683-8099
E-mail: PLinder@mynycb.com
_______________________________________

Counterfeit Cashier's Checks

Springs Valley Bank & Trust Company, Jasper, 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 are reportedly associated with a sweepstakes scam.

The counterfeit items display the routing number 083909445, which is assigned to Springs Valley Bank & Trust Company. The items are similar to authentic cashier's checks; however, the counterfeit items display the words "CASHIER'S CHECK" in a rectangular-shaped frame in the top center.

Authentic cashier's checks display ornate borders on all four sides and a security statement and padlock icon on the right side. The checks also display lines for "REMITTER," "DATE" and "PAY TO THE ORDER OF."

Any information you have concerning this matter should be brought to the attention of:
Craig Buse
Assistant Vice President, IT Manager
1500 Main Street
Jasper, Indiana 47546
Telephone: (812) 634-4926
Fax: (812) 634-4833
E-mail: cbuse@svbt.com

Deborah L. Wilson
Vice President, Information Security Officer
Springs Valley Bank & Trust Company
1500 Main Street
Jasper, Indiana 47546
Telephone: (812) 634-4921
Fax: (812) 634-4833
E-mail: dwilson@svbt.com
_______________________________________

Counterfeit Treasurer's Checks

The Bancorp Bank, Wilmington, Delaware, 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 031101114, which is assigned to The Bancorp Bank. The items also display the words "TREASURER'S CHECK" in the top-left corner and a security feature statement along the bottom border between two padlock icons.

Authentic treasurer's checks display a vertical security statement and padlock icon in the right border.

Any information you have concerning this matter should be brought to the attention of:
Michele Klesius
Vice President and Compliance Officer
The Bancorp Bank
409 Silverside Road, Suite 100
Wilmington, Delaware 19809
Telephone: (302) 385-5085
Fax: (302) 385-5124
E-mail: mklesius@thebancorp.com
_______________________________________

Counterfeit Cashier's Checks

Century Bank of Kentucky, Inc., Lawrenceburg, 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 083908310, which is assigned to Century Bank of Kentucky, Inc. The items also display security feature statements embedded in the top border and along the bottom between two padlock icons. Two signature lines are displayed in the lower-right corner.

Authentic cashier's checks display a security statement within the top border and a padlock icon to the right side of one signature line in the lower-right corner.

Any information you have concerning this matter should be brought to the attention of:
Christine Riggle
Assistant Vice President and Security Officer
Century Bank of Kentucky, Inc.
201 West Woodford Street
Lawrenceburg, Kentucky 40342
Telephone: (502) 859-5111, extension 225
Fax: (502) 859-5177
E-mail: christine.riggle@centurybankky.com
_______________________________________

Counterfeit Cashier's Checks

Advantage Bank, Cambridge, 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 044172282, which is assigned to Advantage Bank. The items are labeled as "CASHIER'S CHECKS" and display the bank's name and address in the top-left corner. They have security feature statements embedded in the top border and along the bottom between two padlocks. The date, check number and amount appear in the top right.

Authentic checks display the routing number 044015543, which is assigned to Huntington National Bank, Columbus, Ohio. Advantage Bank issues its checks through Moneygram Payment Systems, Inc., Minneapolis, Minnesota, using a payable-through account at Huntington National Bank. Authentic checks display the bank's logo in the top center and include a security statement just below the top border.

Any information you have concerning this matter should be brought to the attention of:
Jim Miller
Director of Security
Advantage Bank
P.O. Box 700
814 Wheeling Avenue
Cambridge, Ohio 43725
Telephone: (740) 435-1368
E-mail: jmiller@advantagebank.com
_______________________________________

Counterfeit Cashier's Checks

Hanmi Bank, Los Angeles, California, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the name Pacific Union Bank are in circulation.

The counterfeit items display the routing number 122234482, which is assigned to Hanmi Bank. Hanmi Bank acquired Pacific Union Bank four years ago. The counterfeit items display a security feature statement embedded in a darkened top border and the name and address for Pacific Union Bank in the top-left corner. The words "CASHIER'S CHECK" appear in the lower-left corner.

Hanmi Bank no longer issues checks drawn against Pacific Bank. Hanmi Bank's cashier's checks display the routing number 122039399. Authentic checks are pink and have darkened top and bottom borders. The bank's logo, name, address and a toll-free phone number appear in the upper-left corner. A notice to purchasers is displayed in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
Nancy U. Chong Lee
First Vice President and Operations Manager
Hanmi Bank
3660 Wilshire Boulevard, PH-A
Los Angeles, California 90010
Telephone: (213) 427-4274
Fax: (213) 351-5966
E-mail: nancyc@hanmi.com
_______________________________________

Counterfeit Official Checks

Missouri Bank and Trust Company of Kansas City, Kansas City, Missouri, 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 101000158, which is assigned to Missouri Bank. The items also display a security feature statement in the top border and a padlock icon in the lower-right corner. The words "OFFICIAL CHECK" appear in the top-right corner.

Missouri Bank does not issue official checks; however, it does issue cashier's checks. Authentic checks are labeled as "CASHIER'S CHECK" in the lower-left corner and display a notice to customers below the written amount line. The bank's name, location and toll-free telephone number appear in the top-center area.

Any information you have concerning this matter should be brought to the attention of:
Sabrina Lauck
Compliance and BSA Officer
Missouri Bank and Trust Company of Kansas City
1044 Main Street
Kansas City, Missouri 64105
Telephone: (816) 881-8239
E-mail: sabrinal@mobank.com
_______________________________________

Counterfeit Official Checks

Marion Bank & Trust Company, Marion, Alabama, 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 062201630, which is assigned to Marion Bank & Trust Company. The items also display the words "OFFICIAL CHECK," and the bank's name, city, state and ZIP code appear in the top-center area. Security feature statements are embedded in the top and bottom borders.

Marion Bank & Trust Company does not issue official checks; however, it does issue money orders. Authentic checks are issued as "BANK MONEY ORDERS" and display designed borders on all sides. The bank's name, city, state and ZIP code appear in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
Will Stewart
Vice President and Cashier
Marion Bank & Trust Company
601 South Washington Street
Marion, Alabama 36756
Telephone: (334) 683-6131
E-mail: wstewart@marion-bank.com
_______________________________________

Counterfeit Cashier's Checks

The Lyndon State Bank, Lyndon, 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 101104407, which is assigned to The Lyndon State Bank. The items also display security features embedded in a darkened top border and along the bottom border between two padlock icons. The bank's name appears in the top-left corner, and the words "CASHIER'S CHECK" appear in the top center.

The Lyndon State Bank does not issue cashier's checks; however, it does issue money orders. Authentic checks display the words "BANK MONEY ORDER" inside a box embedded in the top border. The bank's name is shown below the box. A floral design is displayed on the left side.

Any information you have concerning this matter should be brought to the attention of:
Kathy Zabel
Cashier and Human Resource Director
The Lyndon State Bank
817 Topeka Avenue
Lyndon, Kansas 66451
Telephone: (785) 828-4411
Fax: (785) 828-4808
E-mail: kzabel@lyndonstatebank.com

_______________________________________

FDIC Fraud Alerts 12-15-08

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
__________

Counterfeit Money Orders

Liberty Bank, Middletown, Connecticut, 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 211170282, which is assigned to Liberty Bank. The items are similar to authentic money orders; however, the counterfeit items display preprinted lines for the "DATE" and "PAY TO THE ORDER OF" fields.

Authentic money orders display an octagon-shaped icon above a padlock symbol and security statement in the lower-right corner.

Any information you have concerning this matter should be brought to the attention of:
Gary E. Mackiewicz
Security Officer and Assistant Vice President
Liberty Bank
315 Main Street
Middletown, Connecticut 06457
Telephone: (860) 638-2902
Fax: (860) 343-7429
E-mail: gmackiewicz@liberty-bank.com
__________

Counterfeit Cashier's Checks

Bank of Gower, Gower, 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 101215451, which is assigned to Bank of Gower. A security feature statement is embedded in a darkened top border and along the bottom between two padlocks. The items display the bank's logo and name in the top-left corner and have one signature line.

Authentic cashier's checks display the bank's logo and name in the top-center area. The statement "TWO SIGNATURES REQUIRED OVER $2000.00" is shown above two signature lines. A padlock icon and vertical security statement are shown in the right border.

Any information you have concerning this matter should be brought to the attention of:
Betty Hensley
Vice President
Bank of Gower
P.O. Box 197
Gower, Missouri 64454
Telephone: (816) 424-6476
Fax: (816) 424-6645
E-mail: bettyh@bankofgower.com
__________

Counterfeit Cashier's Checks

The Farmers State Bank of Blue Mound, Blue Mound, 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 101111490, which is assigned to The Farmers State Bank of Blue Mound. The counterfeit items are similar to authentic cashier's checks. However, authentic cashier's checks display the word "DATE" next to the date line and have a line below the word "REMITTER" in the top-left corner.

Any information you have concerning this matter should be brought to the attention of:
Lonnie Sprague
Executive Vice President
Farmers State Bank
517 South Oak
Garnett, Kansas 66039
Telephone: (785) 448-5451
Fax: (785) 448-5453
E-mail: fsbgar@embarqmail.com
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Counterfeit Cashier's Checks

Carter Bank & Trust, Martinsville, Virginia, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the name Patriot Bank are in circulation. Patriot Bank was consolidated into Carter Bank & Trust in December 2006. Carter Bank & Trust still honors Patriot Bank's cashier's checks.

The counterfeit items display the routing number 051402932, which is assigned to Carter Bank & Trust. The items are similar to authentic cashier's checks; however, the counterfeit items display a black border on all sides and "VOID AFTER 365 DAYS" above the signature line.

Authentic cashier's checks display "VOID AFTER 365 DAYS" centered below the written dollar amount line and "OFFICER'S SIGNATURE" below the signature line.

Any information you have concerning this matter should be brought to the attention of:
Jane Ann Davis
Chief Financial Officer
Carter Bank & Trust
1300 Kings Mountain Road
Martinsville, Virginia 24112
Telephone: (276) 656-1776
Fax: (276) 656-6765
E-mail: jane.davis@bsvacorp.com

Summary of Key Provisions of the Economic Stabilization Bill

A Summary of Key Provisions of the Economic Stabilization Bill
Dan Mica, President, CUNA

We have just learned that the President has signed into law the new Emergency Economic Stabilization legislation passed by the House today, following the Senate’s adoption Wednesday. It is over 450 pages long and contains many provisions that do not impact credit unions directly. We are still reviewing the details of the legislation but wanted to provide this initial summary.

CUNA worked very diligently as the legislation developed to ensure that credit unions’ interests were protected to the fullest extent possible, given the circumstances. Of interest to credit unions, the legislation includes:

● A temporary increase in federal share insurance coverage to the same extent permitted for FDIC insured banks;

● Eligibility to sell assets under the troubled assets purchase program, if needed;

● Suspension of the mark-to-market accounting rules and a study on these standards;

● An immediate effective date for the payment of interest by the Federal Reserve on institutions’ reserves posted on transaction accounts under Regulation D; and

● Several studies that we will need to monitor.

It is also important to note that the bill does not include provisions for modifications of mortgage loans under the bankruptcy process (although there are provisions for mortgage loan modifications for assets purchased by the Treasury).

This summary highlights those provisions that have significance for credit unions and includes guidance, which we have discussed with the National Credit Union Administration, on what credit unions need to do with insurance signs and related issues in light of the temporary increase in the share and deposit insurance coverage. Following that, we also summarize other key provisions in the legislation for your general information. If you have questions about this information, you may contact Eric Richard, Ryan Donovan, or Mary Dunn at (202) 638-5777.
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Insurance Coverage

● The new law raises the maximum insurance coverage for federally insured shares and deposits at credit unions and banks from $100,000 to $250,000 (the current $250,000 limit on Individual Retirement Accounts and other certain retirement accounts is not impacted by the new law).

● The provisions were added as a means to reinforce to consumers the safety of bank and credit union accounts in light of the financial crisis. It was also added in recognition of the Treasury’s guarantee program for money market mutual funds held by uninsured financial companies.

● The increase in the coverage amount is effective upon enactment through December 31, 2009. (House Financial Services Committee Chairman Barney Frank (D-MA) has indicated he will hold hearings on this issue early next year and it may be very difficult for Congress to roll back the coverage level to $100,000.

● The law precludes an insurance premium from credit unions or an adjustment to their 1% deposit to fund the additional coverage. This means that funding for the coverage will come from the National Credit Union Share Insurance Fund’s operating funds or reserves.

● Also, if necessary, while the additional temporary coverage is in effect, NCUA may increase its borrowing from the U.S. Treasury to fund the coverage.
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What Do Federally Insured Credit Unions Need to be Doing in Light of the Coverage Increase?

● Now that the President has signed the new legislation, credit unions will certainly want to let their members know that their funds are insured up to $250,000.

● NCUA plans to send information to credit unions on this issue shortly. In light of the legal requirement that credit unions must ensure that statements and advertising about federal insurance are accurate, CUNA is working closely with NCUA for federally insured credit unions to have flexibility in dealing with advertising of the increased insurance coverage.

● It is anticipated that NCUA will shortly have downloadable signs and language available on its website, www.ncua.gov, that federally insured credit unions may use to reflect the new level.

● NCUA will also be coordinating with the Federal Deposit Insurance Corporation and may be providing stickers and/or new signs to federally insured credit unions.

● NCUA has also modified its insurance rules to parallel the changes that the FDIC announced last week for revocable trust accounts, often referred to as payable on death or living trust accounts. NCUA and FDIC are coordinating on how this change is affected by the new law.

Here is the link to the change:
http://www.ncua.gov/RegulationsOpinionsLaws/RecentFinalRegs/finalregs.html
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Mark-to-Market

● If the Securities and Exchange Commission determines it is in the public’s interest and to protect investors, it may suspend the application of Statement of Financial Accounting Standards No. 157 ("FAS 157"). These are the standards that have forced institutions to mark mortgage backed securities and related investments to their current value in an unstable market.

● While the SEC does not supervise credit unions, it does oversee the Financial Accounting Standards Board, which determines Generally Accepted Accounting Principles, GAAP that credit unions are required to follow.

● CUNA has talked with NCUA about this and will be coordinating with them on the application to credit unions of any suspension of the standards.

● The SEC would also be required, in consultation with the Federal Reserve and the Treasury, to conduct a study on mark-to-market accounting standards, including FAS 157’s effects on financial institutions and bank failures.
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Troubled Assets Relief Program

● Any credit union that is contemplating selling eligible assets through this program is strongly encouraged to work with its league, other credit unions, others in the credit union system and NCUA to address its issues, including any liquidity needs.

● For purposes of information, here are the key provisions regarding the program. The Treasury Secretary is authorized to spend $700 billion to purchase troubled assets. The Secretary may use $250 billion immediately and may use up to $350 billion if the President submits a written certification to Congress. In order to use the full amount, the President must submit a report to Congress detailing the plan to use the funds, and Congress has the authority to disapprove the plan.

● Credit unions are included in the definition of “financial institutions” that are eligible to sell troubled assets to the U.S. Treasury under the new Troubled Assets Relief Program.

● Troubled assets include residential or commercial mortgages and other instruments “based on or related to” mortgages that have been originated or issued on or before March 14, 2008. The Secretary may also purchase “any other instrument” necessary to promote financial stability.

● Treasury must coordinate with the Federal Reserve Board, the Federal Reserve Bank of New York, the FDIC, and the Comptroller of the Currency, the Office of Thrift Supervision, the Department of Housing and Urban Development and NCUA, in implementing the program.

● Private institutions may be used as agents for the program.

● Treasury’s implementation of these provisions is subject to review in court.

● Authority for the program ends 12/31/09, unless the Treasury certifies to Congress the need to extend it for another year.

● Institutions must provide warrants or debt instruments to Treasury that will help protect taxpayers against losses that may result from the program.

● When the TARP is established, the Treasury must also establish a program to guarantee troubled assets originated or issued prior to March 14, 2008. Under this program, the Treasury must collect premiums for the guarantees from participating financial institutions sufficient to cover anticipated claims, and can vary the rates for the premiums based on credit risk.

● The premiums paid will go into a Troubled Assets Insurance Fund, which will consist of the premiums paid by participating institutions, and will be used to fulfill the obligations or guarantees provided to financial institutions.

● In five years, the President is required to submit to Congress a legislative proposal that recoups from the financial industry any projected losses to taxpayers.
__________

Foreclosure Mitigation

● Treasury is required to implement a plan to maximize homeowner assistance and to encourage servicers of the underlying mortgages purchased through TARP to take advantage of the HOPE for Homeowners Program.

● Treasury may use loan guarantees and credit enhancements to facilitate loan modifications to prevent avoidable foreclosures.

● Treasury may consent to reasonable loan modification requests arising under existing investment contracts.

● The government is also directed to minimize foreclosures on properties underlying the mortgages and mortgage-backed securities the government purchases.
__________

Payment of Interest on Federal Reserve Deposits

● The Monetary Control Act requires financial institutions, including covered credit unions, to post reserves on certain transaction accounts, under Regulation D. Under the Financial Services Regulatory Relief Act of 2006, the Federal Reserve is authorized to pay interest on these reserves beginning in 2011. The legislation allows the payment of interest to begin this month.
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Reports

● Special Report on Regulatory Reform – the Oversight Panel (comprised of individuals appointed by Congress) must submit a report to Congress on regulatory reform no later than January 20, 2009, analyzing the current state of the regulatory system and its effectiveness at overseeing the participants in the financial system. CUNA will be weighing in on this report and on the one due in April mentioned below.

● Treasury must provide monthly reports to Congress on the troubled assets program, including expenditures and obligations.

● Treasury must also report to Congress on every $50 billion of assets purchased.

● By April 30, 2009, Treasury must provide a written Regulatory Modernization Report to Congress analyzing the current state of the market, evaluating the effectiveness of the regulatory system, and providing recommendations.
__________

Executive Compensation

● If Treasury makes direct purchases of troubled assets from a financial institution and receives an equity or debt position in the institution, the Secretary will set executive compensation and corporate governance standards for the institution. The standards will only apply while the Secretary holds a debt or equity position in the institution.

● A “senior executive officer" is an individual who is one of the top 5 highly paid executives of a public company, whose compensation is required to be disclosed pursuant to the Securities Exchange Act of 1934, and non-public company counterparts.

● If Treasury purchases an institution’s troubled assets through an auction and those purchases exceed $300 million (including direct purchases), any new contract with a senior executive officer that provides a golden parachute in the event of involuntary termination, bankruptcy filing, insolvency, or receivership is prohibited for the duration of the temporary assets program.
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Summary of Other Provisions in the Legislation

● Requires any federal financial regulatory agency to cooperate with the FBI or other law enforcement agencies investigating fraud, misrepresentation and malfeasance with respect to development, advertising, and sale of financial products.

● Changes the tax treatment by financial institutions of gains and losses on the preferred stock of Freddie Mac and Fannie Mae.

● The annual tax deduction for corporate executive compensation is limited to $500,000 for compensation paid to the CEO, CFO or one of the other three highest compensated officers or employees from whom one or more troubled assets are acquired under the Act if the aggregate amount of such assets exceeds $300 million.

● The current tax treatment of the cancellation of mortgage debt for qualified principal residences is extended until January 1, 2013.

● The misuse of the FDIC logo, symbols or name to falsely advertise or misrepresent that deposits or shares are insured is prohibited. (CUNA discussed this provision with NCUA which feels the misuse of NCUA’s logo, etc. is already sufficiently covered in other statutes.)

Moran-Nixon Chapter

Moran-Nixon Chapter Financial Reality Fair Committee Meeting

Thursday, January 29, 2009

In Attendance:
● Andrew Klimkoski, Achieve Financial Credit Union
● Barbara Bass, Credit Union League of CT
● Siobhan Shea, Torrington Municipal and Teachers Federal Credit Union
● Rene Fjeldal, Meriden Schools Federal Credit Union
● Libby D’Orso, Waterbury CT Teachers Federal Credit Union
● Brandi Carey, First Bristol Federal Credit Union
● Viviana Villanueva, Newington VA Credit Union
● Christina Dufour, Achieve Financial Credit Union
● Lisa Calabro, Achieve Financial Credit Union
● Mary Budnick, Achieve Financial Credit Union

The meeting agenda was reviewed. The results of the pre-packet survey were reviewed and the starting time for each school was scheduled. Seven schools and 239 students have committed to attending the Fair. The survey from Bristol Central High School has not yet been returned.

The schedule for the Fair will be:
● 15 minutes for registration
● 2 hours for students to complete the Fair
● 5 minutes for students to complete a survey
● 5 minutes for students to pick up their gift packet

Registration will include checking the students’ names off on the list, handing out the padfolios with name stickers, and handing out a bag with refreshments. Three tables will be used for sections of the alphabet.

Lisa Calabro will send each teacher a “cover” email early next week with the following attachments:
1. Photo release/permission form (Barbara will edit)
2. Participant data worksheet (to be returned no later than 2/25)
3. Schedule including their assigned starting time
4. One page of instructions and suggestions for completing the career research and choice. (Barbara will create.)

The Vendor /Sponsor Solicitation letter was reviewed and edited. The edited letter will be emailed to all committee members for their personalization and use later today.

Vendor solicitations assignments were made and the spreadsheet will be updated with the assignments.

Keith Wiemert was selected to coordinate the arrangement of vendor booths, the traffic flow plan, and the booth signage based upon his experience with other Fairs.

Committee members will contact the teachers they invited and ask them to forward an invitation we will develop to people who should receive special invitations, such as principals, superintendents, guidance counselors, and other teachers. RSVP will be to Lisa Calabro.

Teachers will be sent samples of student materials and parking directions when we are closer to the date of the Fair.

Committee members will forward contacts at their local newspapers to Mary Budnick for press releases.

Andrew Klimkoski asked the group to consider phone conferencing for weekly check-ins between committee meetings. This will be discussed at the next meeting.

Barbara Bass reported that wooden roses are being sold in credit unions for Valentine’s Day, Easter, and Mother's Day to raise money for the Credit Union Solutions Foundation. Anyone interested should contact Barb. Barb also reported that the Credit Union Times has been in contact with the Hartford Chapter about their Fair and will also mention our Fair in an article. Barb has been able to obtain the lesson plans for the first season of Biz Kid$ and these are available for credit unions to utilize for classroom presentations.

The next meeting will be held on February 12, 2009 at 9:15 a.m. at Achieve Financial Credit Union in Berlin.

FDIC Fraud Alerts 9-5-08

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers):
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Counterfeit Cashier's Checks

The Edgartown National Bank, Edgartown, Massachusetts, 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 011305684, which is assigned to The Edgartown National Bank. The items also display a security feature statement embedded in the top border and along the bottom between two padlock icons. The bank's logo appears in the upper-left corner. A toll-free telephone number, which is not associated with the bank, is displayed in the lower-left corner.

Authentic cashier's checks display the bank's logo, name and address in the top center. The word "REMITTER" appears in the top-left corner. A padlock icon and security statement are displayed at the end of the written amount line and the word "CASHIER'S CHECK" appears below the written amount line on the lower-left side.

Any information you have concerning this matter should be brought to the attention of:
   Greg Berks
   Vice President and Chief Operations Officer
   The Edgartown National Bank
P.O. Box 96
   2 South Water Street
   Edgartown, Massachusetts 02539
   Telephone: (508) 627-1126
   Fax: (508) 627-1155
   E-mail: gberks@yourislandbank.com
_______________________________________

Counterfeit Cashier's Checks

Lake City Bank, Warsaw, 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 096016765, which is assigned to U.S. Bank, St. Paul, Minnesota. Lake City Bank issues cashier's checks through Moneygram Payment Systems, Inc., Minneapolis, Minnesota, using a payable-through account at U.S. Bank. The items are similar to authentic cashier's checks; however, the counterfeit items display "Pay to the Order of" on one line, rather than on two lines. The written dollar amount is shown inside of a box above the signature line.

Authentic cashier's checks display a "REMITTER" line just above the payee. The FDIC logo is displayed at the bottom center and "PAYABLE THROUGH BANK IS U. S. BANK ST. PAUL, MN" is located in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Eric Shrock
   Assistant Vice President for Bank Secrecy Act and Loss Prevention
   Lake City Bank
   113 East Market Street
   Warsaw, Indiana 46581- 1387
   Telephone: (574) 267-9198, extension 6303 or (877)-718-9198, extension 6303
   E-mail: eric.shrock@lakecitybank.com
______________________________________________

Counterfeit Official Checks

Provident Community Bank, National Association, Rock Hill, 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 Boston Safe Deposit & Trust Company, Boston, Massachusetts. Provident Community Bank, National Association, issues official checks through Moneygram Payment Systems, Inc., Minneapolis, Minnesota, payable through an account at Boston Safe Deposit & Trust Company.

The counterfeit items are almost identical to authentic official checks; however, they display a security feature statement embedded in the top border and along the bottom border between two padlocks.

Authentic official checks display a vertical security statement and padlock icon in the right border. Also, the bank's telephone number is displayed below its name and address in the top-center area.

Any information you have concerning this matter should be brought to the attention of:
   Hollie R. Mitchell
   Banking Center Operations Manager
   Provident Community Bank
   203 West Main Street
   Union, South Carolina 29379
   Telephone: (864) 429-1851
   Fax: (864) 429-1866
   E-mail: hmitchell@providentonline.com
_______________________________________

Counterfeit Official Checks

Dairy State Bank, Rice Lake, 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 091811004, which is assigned to Dairy State Bank. The words "OFFICIAL CHECK" appear in the top center and a security feature statement is embedded in the top and bottom borders.

Dairy State Bank does not issue official checks; however, it does issue cashier's checks. Authentic cashier's checks display the words "CASHIER'S CHECK" in the lower-left corner and a "NOTICE" in the top-left corner. A "MEMO" line is just below the bank's address in the top center. Two signature lines are displayed.

Any information you have concerning this matter should be brought to the attention of:
   David Bridges
   Vice President and Security Officer
   Dairy State Bank
   16 South Main Street
   Rice Lake, Wisconsin 54868
   Telephone: (715) 234-9181
   Fax: (715) 236-3704
   E-mail: dbridges@dairystatebank.com

Alternate Contact:
   Kelley Draeger
   Assistant Vice President
   Dairy State Bank
   16 South Main Street
   Rice Lake, Wisconsin 54868
   Telephone: (715) 234-9181
   Fax: (715) 236-3704
   E-mail: kdraeger@dairystatebank.com
_______________________________________

Counterfeit Cashier's Checks

Fidelity Bank, Wichita, 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 301171353, which is assigned to Fidelity Bank. The items are similar to some of the bank's authentic cashier's checks; however, the counterfeit items show a telephone number beginning with area code "(406)" after the zip code and have only one signature line.

Authentic checks from Fidelity Bank are issued in two forms. The first check displays a "NOTICE TO CUSTOMERS" above two signature lines. The bank's local telephone number, which begins with area code "(316)," is shown on a line below the bank's address. The second authentic check displays the bank name as "Oklahoma Fidelity Bank" and also has a "NOTICE TO CUSTOMERS" above two signature lines. The bank's local telephone number, which begins with area code "(316)," is shown on a line below the bank's address.

Any information you have concerning this matter should be brought to the attention of:
   Beverly Dixon
   Vice President
   Loss Prevention & Security Manager
   Fidelity Bank
   100 East English Street
   Wichita, Kansas 67202
   Telephone: (800) 658-1637, extension 7215
   Fax: (316) 268-7324
   E-mail: bdixon@fidelitybank.com
_______________________________________

Counterfeit Cashier's Checks

Milledgeville State Bank, Milledgeville, 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 071121620, which is assigned to Milledgeville State Bank. "CASHIER'S CHECK" and a notice to customers are displayed in the top center. A security feature statement is embedded in the top border and along the bottom between two padlock icons. The bank's name, city, state and a toll-free telephone number, which is not associated with the bank, are shown in the bottom-left corner.

Milledgeville State Bank does not issue cashier's checks. It does, however, issue money orders. Authentic money orders display the bank's logo in the top center and the words "MONEY ORDER" appear vertically on the left side. The bank's name, address and telephone number are shown in the top-left corner.

Any information you have concerning this matter should be brought to the attention of:
Jerry Carter
Vice President and Cashier
Milledgeville State Bank
P.O. Box 789
451 North Main Avenue
Milledgeville, Illinois 61051
Telephone: (815) 225-7171
Fax: (815) 225-7173
E-mail: jerry@milledgevillebank.com

Alternate Contact:
   Scott Foltz
Operations Officer
   Milledgeville State Bank
   P.O. Box 789
   451 North Main Avenue
   Milledgeville, Illinois 61051
   Telephone: (815) 225-7171
   Fax: (815) 225-7173
   E-mail: scottf@milledgevillebank.com
________________________________________

Counterfeit Cashier's Checks

Northstar Bank of Texas, Denton, 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 111904817, which is assigned to Northstar Bank of Texas. The items also display ornate top and side borders with the words "CASHIER'S CHECK" centered inside a rectangle embedded in the top border. The wording "Non Negotiable For Amounts Over $ 5,000" appears above the signature line.

Authentic cashier's checks display security feature statements embedded in the top and bottom borders. The bank's logo appears in the top-left corner along with the name, address and telephone number. A "NOTICE TO CUSTOMERS" is shown in the lower-left corner.

Any information you have concerning this matter should be brought to the attention of:
   Reida Bennett
   Senior Vice President and Cashier
   Northstar Bank of Texas
   400 North Carroll Boulevard
   Denton, Texas 76201
   Telephone: (940) 383-6218
   Fax: (940 591-7050
   E-mail: rbennett@nstarbank.com
_______________________________________

Counterfeit Cashier's Checks

The Morrill and Janes Bank and Trust Company, Merriam, 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 101101950, which is assigned to The Morrill and Janes Bank and Trust Company. The items are dissimilar to authentic cashier's checks and have one signature line. They display ornate top and side borders with the words "CASHIER'S CHECK" centered inside a rectangle embedded in the top border. The bank's name, logo, state charter designation and address appear in the top-left corner. The word "REMITTER" is in the lower-left corner.

Authentic cashier's checks display a vertical security statement and padlock icon in the right border. The words "CASHIER'S CHECK" appear in the lower-left corner and the word "REMITTER" is in the top-left corner. The bank's name, logo, state charter designation, address and telephone number are in the top center. The wording "TWO AUTHORIZED SIGNATURES REQUIRED OTHERWISE VOID" and two signature lines appear in the lower-right corner.

Any information you have concerning this matter should be brought to the attention of:
   Pat Elam
   Fraud Analyst
   The Morrill and Janes Bank and Trust Company
   6740 Antioch Road, Suite 225
   Merriam, Kansas 66204
   Telephone: (913) 384-8185
   Fax: (913) 384-8259
   E-mail: PElam@mjbtrc.com
_______________________________________

Counterfeit Cashier's Checks

Grant County Bank, Medford, Oklahoma, has contacted the Federal Deposit Insurance Corporation

The counterfeit items display the routing number 103103765, which is assigned to Grant County Bank. The items also display a security statement just below the top border. The words "CASHIER'S CHECK" appear in the center area. The bank's name ("PIEDMONT BANK"), address and telephone number appear in top-left corner.

Authentic checks display a vertical security statement with a padlock icon in the right border. The bank's logo, name ("GRANT COUNTY BANK") and location appear in the top center. Lines are displayed for "REMITTER," "PAY TO THE ORDER OF," "DATE" and "DOLLARS."

Any information you have concerning this matter should be brought to the attention of:
   Jo Hula
   Proof Processing Department
   Grant County Bank
   120 South Main
   Medford, Oklahoma 73759
   Telephone: (580) 395-3335
   Fax: (580) 395-3338
   E-mail: qcb395@kskc.net

FDIC Fraud Alerts 8-27-08

The FDIC has issued alerts on circulation of fraudulent checks bearing the names of the following institutions (with routing numbers).
_______________________________________

Counterfeit Cashier's Checks

Castroville State Bank, Castroville, 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 114923439, which is assigned to Castroville State Bank, but are dissimilar to authentic cashier's checks. The counterfeit items display the words "CASHIER'S CHECK" in the top center and a security feature statement along the bottom border between two padlocks. The word "REMITTER" appears in the lower-left corner. The toll-free telephone number provided is not associated with the bank.

Authentic cashier's checks display the words "CASHIER'S CHECK" vertically on the left side. The bank's address is shown to the right of the bank's logo and name in the top-left portion of the check.

Any information you have concerning this matter should be brought to the attention of:
   Steven G. Hoog
   Senior Vice President and Comptroller
   Castroville State Bank
   502 Paris Street
   Castroville, Texas 78009
   Telephone: (830) 931-2201
   Fax: (830) 931-3118
   E-mail: skhoog@sbcglobal.net
_______________________________________

Counterfeit Cashier's Checks

First Texas Bank, Round Rock, 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 251473088, which is not assigned to First Texas Bank. A security feature statement is embedded in the top border and the words "CASHIERS' CHECK" appear in the top center. The bank's logo, name and address are displayed in the lower-left corner.

Authentic checks display the routing number 114904746, which is assigned to First Texas Bank. A "NOTICE TO CUSTOMERS" is shown in the top-left corner and a security statement is displayed below the written dollar amount line. The words "Cashier's Check" appear in the lower-left side.

Any information you have concerning this matter should be brought to the attention of:
   Lisa Garza
   Assistant Cashier
   First Texas Bank
   P.O. Box 5
   Round Rock, Texas 78680
   Telephone: (512) 255-2501
   Fax: (512) 255-2349
   E-mail: lgarza@firsttexasbank.com

Alternate Contact:

   Corinne Hooker
   Vice President and Cashier
   First Texas Bank
   P.O. Box 5
   Round Rock, Texas 78680
   Telephone: (512) 255-2501
   Fax: (512) 255-2349
   E-mail: chooker@firsttexasbank.com
_______________________________________

Counterfeit Cashier's Checks

Garfield County Bank, Jordan, Montana, 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 092105337, which is assigned to Garfield County Bank. Garfield County Bank does not issue cashier's checks; it issues bank money orders. The counterfeit items display a security feature statement embedded in the top border and along the bottom border between two padlocks. The bank's logo and name are shown in the top-left corner. The word "REMITTER" appears below the written dollar amount line. The bank's name, city, state and a toll-free telephone number, which is not associated with the bank, appear in the lower-left corner.

Authentic money orders display a "NOTICE TO MEMBERS" in the top-left corner. The words "BANK MONEY ORDER" appear inside of a rectangle in the top center. The bank's logo appears in the lower-left corner along with the address and telephone number.

Any information you have concerning this matter should be brought to the attention of:
   Rex Phipps
   Vice President and Security Officer
   Garfield County Bank
   P.O. Box 6
   Jordan, Montana 59337
   Telephone: (406) 557-2201
   Fax: (406) 557-2204
   E-mail: rex@garfieldcountybank.com

CUNA Membership Growth Series

This is the eighth installment of News Now's Membership Growth series of interviews with fast-growing-membership credit unions. The series is part of an initiative of the CUNA Membership Growth Task Force. The series focuses on fast "organic" membership growth, not growth by merger or indirect loans.

The task force, chaired by Dick Ensweiler, president of the Texas Credit Union League, was convened at the request of CUNA's Immediate Past Board Chair Allan Kemp McMorris. Its purpose is to investigate, report on, and encourage credit unions to embrace opportunities, techniques and processes that will increase credit unions' membership retention and growth.
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North East Texas Credit Union Targets Segment Markets for Solid Growth

By using "very direct forms of marketing," striving to be the first in the area in technology, and designing programs that target specific groups, North East Texas Credit Union (NETCU), Lone Star, Texas, has realized solid membership growth, which it projects will continue.

The $83.5 million asset, Lone Star, Texas-based credit union experienced 5.7% membership growth from 2006 to 2007, and projects 8.2% growth this year. NETCU is a community credit union serving members who live or work in Morris, Marion and Upshur counties, and anyone who lives, works or attends school in Titus County.

By conducting direct visits with small groups, and participating in community events both formal and informal, NETCU has successfully reached out to members, Kay Stewart, president/CEO of the credit union, told News Now.

"We are located in a rural area, and we found that these very direct forms of marketing have better served us than print and broadcast advertising," Stewart explained. "We tried TV commercials, but the TV viewing area is so broad that the advertising went out of our area. And it was so expensive. It wasn't cost effective. The key for us is working in the community and community events," she added. "For example, it is raining today. So we are handing out free rainwear containing our credit union logo. We also hand out our rainwear at football games. Whatever fits with an event, we try to get involved somehow."

The credit union targets Hispanics, youth and small businesses, and "anyone else we can find," Stewart said.

For Hispanic members, NETCU uses financial literature and loan applications printed in Spanish, and an audio response system that allow members to choose English or Spanish when they call in for information or to check on accounts.

"We also have Hispanic employees at all our branches and a Hispanic loan officer," Stewart said.

Regarding the youth market, the credit union has always offered a youth savings account, but also started a program called "Dollar Dog," for kids up to 12 years old, in three schools. Now it is in seven. One NETCU employee dresses up in a Dollar Dog costume and goes into schools to tell students about NETCU's youth savings program.

Students in this age group can open a savings account with as little as $5 and can make deposits as small as 25 cents. They also can go the NETCU website and play games. Students initially receive program T-shirts, and the credit union goes to the schools once a month to take students' deposits and present students with little gifts for making the deposits.

From January to May of this year, 150 new youth members signed up, and their average account balance was $100, Stewart said.

Two new NETCU youth programs will start this fall. One is called Cha-Ching, which targets 13- to 17-year-olds. The program will feature a website for participants to download music, and will teach them how to open a checking account. As part of the program, credit union employees also will go to schools to teach financial literacy using materials from the National Endowment for Financial Education program.

NETCU also will introduce the Edge Account program in the fall for 18- to 24-year-olds. The program will offer young adults their first credit cards and first loans, and will in essence be a bridge into financial adulthood.

All three youth programs will have spots on NETCU's website, which allows participants to enhance their financial education online.

The credit union also goes directly to small businesses to recruit members. "We'll go anywhere to get in front of people," Stewart said. "We buy lunch for employees at their place of work and make presentations with PowerPoint. We have had a lot of success with this. We'll sign people up for the credit union on the spot. "

Not only does NETCU attempt to attract employees, it also tries to attract small businesses as a whole. "We have maxed out our small-business loans, and we've started our own CUSO (credit union service organization) to make more business loans," Stewart said.

NETCU became a community credit union in 2000 when it went from a federal to a state-charter to serve a broader area of people, Stewart said.

NETCU has always strived to be the first in technology in its area, and this is a key priority for the credit union. "We've been the first to use ATMs and an audio response system," Stewart explained.

The credit union also sends e-alerts to notify members when their accounts drop down to a certain amount so they don't get overdrawn. Another technology first for NETCU is its online banking product called Net Teller. The credit union is upgrading the product in 2009 so members can join the credit union and obtain loans online.