Phishing Scams 
 
At Litchfield National Bank, we are committed to protecting your financial interests with secure technology and educate you with “best practices” for staying secure on the Internet. As a LNB Internet Banking customer, we want to make you aware of the increasing use of "phishing" and "spoofing" to obtain sensitive personal information. 
 
"Phishing" is a type of fraud where an e-mail asks you, often with a sense of urgency, to click a link to update or confirm your sensitive personal information, such as your account numbers, card numbers, social security/tax identification numbers, passwords, or PINs. The link goes to a fake or "spoof" website designed to look like a legitimate company. 
 
For your protection, we have removed all links to log in to LNB Internet Banking from our e-mails. LNB e-mails will not ask you to update or confirm your sensitive information by clicking a link or replying. 
 
To protect yourself from going to a spoofed website, type Litchfield National Bank into your browser when you login to Internet Banking, instead of clicking a link in an e-mail. We encourage you to monitor your accounts by logging in to Internet Banking on a regular basis – this is a very effective way to detect fraud. 
 
If you ever receive a suspicious e-mail supposedly from Litchfield National Bank, DO NOT OPEN THE EMAIL and please call give us a call at 217-324-6161. 
 
Below is an example of the phishing e- mail: 
= = = = = Sample E-mail = = = = = = 
From: nacha.org [report@nacha.org] Sent: Thursday, November 12, 2009 10:25 AM To: Doe, John 
 
Subject: Rejected ACH transaction, please review the transaction report 
 
Dear bank account holder, The ACH transaction, recently initiated from your bank account, was rejected 
by the Electronic Payments Association. Please review the transaction report by clicking the link below: 
Unauthorized ACH Transaction Report (this is how the link is presented) Sanitized link: 
hxxp://nacha[DOT]org[DOT]fffazsa[DOT]org[DOT]uk/ACHNetwork/Unauthorized/report[DOT]php?transac 
tion_id=3D00149589098593&reference= 
3D822741659237684356904818198557124583214180193361899444733=20 
= = = = = End of Sample E-mail 
 
 
Warnings Signs of a Check Scam 
 
If you answer "yes" to any of the following questions, you may be getting scammed! 
Are you about to cash a check from an item you sold on the Internet, such as a car, boat, jewelry, etc? 
o Is it the result of communicating with someone by e-mail? 
o Did it arrive via an overnight delivery service? 
o Is it from a business or individual account tht is different from the person buying your item or product? 
o Is the amount for more than the item's selling price? 
Are you sending money overseas? 
o Did you win an international lottery you didn't enter? 
o Have you been asked to pay money to receive an inheritance from another country? 
o Are you receiving a commission for accepting money transfers through your bank and/or PayPal account? 
 
This notice is being provided to LNB customers as part of our continuing education program to keep LNB customers informed and educated regarding Identity Theft trends and protection of your personal information. 
 
Online Security  
 
Litchfield National Bank has designed and maintains security procedures to prevent unauthorized access to your privileged information.  We vow to continue in our efforts to update and test our hardware and technology to guarantee security for our systems and customer information. 
We encourage our customers to routinely scan their computer and portable media devices using a reliable anti-virus product to detect and remove viruses.  Computer viruses may corrupt or possibly destroy your programs, files and even your hardware.  Additionally, you may unintentionally transmit a virus to other computers. 
Please know that LNB will never send you an e-mail asking for your personal information.  If you receive an e-mail asking you to provide personal or sensitive information, do not click on any link and do not send the information.  Regardless of how genuine the website or link appears, do not continue! 
 
ATM Safety 
 
No single formula can guarantee the security of ATM customers.  Therefore, it is necessary for ATM customers to consider the environment around each ATM and various procedures for remaining safe when using an ATM. 
Criminals select their victims and targets, focusing on the unaware or unprepared.  Criminals are also drawn to environmental conditions that enhance the opportunity to successfully complete their crime.  The attitude and demeanor you convey can have a tremendous effect on potential assailants.  There are a number of things you can do to increase your personal security and reduce your risk of becoming an ATM crime victim. 
The following crime prevention tips can help make the use of ATMs safer for everyone: 
Walk purposefully and with confidence.  Give the appearance that you are totally aware of your surroundings. 
Be aware of your surroundings and what is going on around you. 
Follow your instincts.  If you feel you are in danger, respond immediately.  Remember that your personal safety is the first priority. 
If you notice anything strange, leave and return some other time.  Even if you have already started a transaction, cancel it and leave. 
When leaving an ATM location, make sure you are not being followed.  If you are being followed, drive immediately to a police, sheriff or fire station, crowded area, well-lighted location or open business.  Flash your lights and sound your horn to bring attention to your situation. 
If you are involved in a confrontation and the attacker is armed with a weapon and demands your money or valuables, give it to the suspect!  Property may be recovered later or replaced. 
Memorize your Personal Identification Number (PIN).  Do not write it down or keep it in you wallet or purse.  Do not tell anyone else your PIN – ANYONE!  
 
 
FDIC
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