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Protect Yourself from Caller ID Spoofing Scams

As technology becomes an important part of our daily lives, we need to be cautious of scams and fraudsters. There is technology now available that enables scammers to pretend the number they are calling from is legitimate. This scam can be effective, especially if the number displayed on the caller ID appears to be your financial institution’s correct phone number. 

What is Caller ID Spoofing?

Spoofing is when a scammer disguises their actual phone number and displays another phone number in the caller ID instead. Caller ID lets individuals know who is calling them, but these scammers may manipulate the caller ID and masquerade as a representative of banks, creditors or even from government agencies. This scam is often used to trick someone into giving them confidential information, which can be used in fraudulent activity.

How can you avoid a Spoof scam? 

Take caution when answering a call, especially if the caller is requesting confidential information. Below are some tips to take to avoid a spoofing scam:

  • Do not give out confidential information such as account numbers, Social Security numbers, PINs, passwords or other identifying information in response to an unexpected call from someone who says they are a representative from your financial institution, creditor, or government agency. If you are at all suspicious, hang up and call the phone number on your account statement, or on the website of your financial institution, creditor or government agency to verify the legitimacy of the request.  
  • If you answer an unexpected call and the caller asks you to click a button to stop getting the calls, you should hang up immediately.
  • If you have a voicemail account with your phone service, be sure to set a password for it. Some voicemail services are preset to allow access if you call in from your own phone number. A hacker could spoof your home phone number and gain access to your voicemail if you do not set a password.

The best way to be ahead of the scammers is to never assume that someone is who they say they represent to be just because the number displayed on your caller ID matches that of a financial institution, company or organization you know. Always be suspicious if you’re asked for confidential information. Remember, your financial institution will never ask you to do any of these things.

If you have questions or concerns about spoofing, please contact us at 708-482-7700. We are here to assist you.

Josh Mahrt Promotion

Join us in congratulating Joshua P. Mahrt on his promotion to Executive Vice President and Senior Trust Officer in our Wealth Management division. His experience, broad areas of expertise and genuine rapport with our clients and staff make Josh the ideal person to lead and grow our Wealth Management division.

Josh joined FNBC Bank and Trust in 2015 as a Vice President and Trust Officer.  He manages more than 100 client relationships with a current market value of over $100 million.  Josh services a variety of complex accounts including the settlement of federally taxable estates, advising high net worth individuals on investment and tax strategies, the administration of complex guardianship estates, and the management of a large multi-unit apartment complex. Josh specializes in trust administration, estate settlement, guardianship, and wealth management.

Josh is a member of the DuPage County Estate Planning Council and the Aging Care Connections, Adult Protective Services, Multidisciplinary Team.  Josh served on the board of Our Community of Illinois, a non-profit corporation that provides resources for minors in the Illinois foster care system.  Josh is a graduate of the University of Illinois at Urbana-Champaign and the John Marshall Law School.

PPP Activity Update

We are pleased to report that FNBC Bank & Trust accepted, processed and funded 100% of valid Paycheck Protection Program (PPP) Loan applications we received from our customers. That represents more than $34 million in assistance to local businesses in the communities we serve.

We are especially proud of the collaborative effort among our employees to deliver on our long-standing commitment to our local small business community. Teams from our Loan, Personal Banking and Cash Management departments worked around the clock and on weekends to make sure that every application was processed and funded in the short window of time that PPP funding was available. The 268 loans we funded ranged from $2,340 to $4.4 million, with an average loan amount of $130,000. We assisted clients from various industries, including manufacturing, restaurant and food services, construction, landscaping, professional services, independent contractors, non-profit organizations, schools, churches and many more.

We appreciate the opportunity to help our small business clients during this incredibly difficult time. We continue to work with our business banking clients in the next phase of the program, the application for PPP loan forgiveness.