Peoples State Agency
Up for Online
US Savings Bond
of Madison Lake
are aware of fraudulent e-mail scams and phone calls that ask you
for your account
information. Please be aware that we will never request account holder
information via e-mail or over the phone phone. Also, our debit
card provider does
request account information via e-mail or over the phone.
is a growing internet scam in which consumers receive emails that look
from financial institutions or other legitimate companies asking for
information such as name, account numbers, credit
card numbers and
These emails have links that direct you to a website to supply the
information. The link you click may launch a program that infects your
and the site it takes you to is designed to look like the official site
is just trying to "phish" for your data.
Steps to identify and avoid
a victim of phishing:
provide your personal information in response to an unsolicited
whether it is over the phone or over the Internet. Bank employees will never ask for your user ID,
password, or any other personal information such as your social
or account number. E-mails and
Internet pages created by phishers may
look exactly like
the real thing. They may even have a fake padlock icon that
used to denote a secure site. If you did not initiate the
should not provide any information.
- If you believe the contact may be
legitimate, please contact Peoples State Bank by calling 507-243-3511.
Remember, you can also find phone numbers and websites on monthly
or you can look the company up in a phone book or on the Internet.
password over the phone or in response to an unsolicited Internet
Peoples State Bank would never ask you to verify
online. Thieves armed with this information and your account number can
themselves to your savings.
- Check your credit card and bank
account statements regularly and look for unauthorized transactions,
ones. Some thieves hope small transactions will go unnoticed. Report
What is vishing?
the techniques of "phishing," which uses e-mail, with
"voice," which uses phone methods, to obtain
sensitive information from
We have been
informed that Advantage cardholders have received calls
stating that their debit cards have been compromised or have fraudulent
activity happening. The calls are automated recordings which
prompt customers to enter their card numbers, expiration dates, and
PINs. The phone numbers being called are primarily cell phones. The
card processor does not maintain phone numbers, and these are
fraudulent calls. Do not
provide your confidential information if you receive such a call.
avoid phishing, vishing, and online fraud:
Federal Trade Commission
Identity Theft Info
of Justice Identity Theft site
Help Us site
Trade Commission Phishing Alerts
*NOTICE OF EXPIRATION OF
THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING
operation of federal law, effective January 1, 2013,
noninterest-bearing transaction accounts no longer will be insured by
the FDIC as a separate ownership category. Thereafter, NIBTA deposits
at an IDI will be aggregated with any other deposits held by the same
person in the same ownership category, with the total insured up to the
standard maximum deposit insurance amount, which is currently $250,000.
The term “noninterest-bearing transaction account” includes
a traditional checking account or demand deposit account on which the
insured depository institution pays no interest. It also includes
Interest on Lawyers Trust Accounts (“IOLTAs”). It does not
include other accounts, such as traditional checking or demand deposit
accounts that may earn interest, NOW accounts and money-market deposit
For more information about temporary FDIC insurance coverage of
transaction accounts, visit www.fdic.gov.
Web site and all contents ©
Copyright PSB Madison Lake 2006, All rights reserved.