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Fraud Prevention

National Bank of Commerce is committed to helping you protect your financial information and avoid scams that can compromise the security of your financial assets or identity.

You should be aware of these common scams

Lottery Scam

The lottery scam email says that you have won a lottery in a foreign country and that to claim your winnings you must contact the claims agent and provide some banking information. Do nothing with this email; delete it.

Nigerian Purchase Scam

The Nigerian purchase scam commonly originates on online auction and e-commerce sites. A buyer will bid on a big-ticket item and "accidentally" overpay—saying that (s)he "wanted to make sure there were enough funds for shipping." The buyer then asks the seller to deposit the check and refund the amount of the overpayment. Do not transact any business with this buyer until you have asked your branch representative how to validate the payment and funds prior to shipping goods or refunding the overpayment.

Mystery Shopper

An email or a letter from a "mystery shopping company" with an enclosed check or a promise to send a check may appear legitimate. It will tell you to cash the check, complete a purchase at a major retail store, and send the remaining balance to another mystery shopper via Western Union. Do not participate; discard the communication or report it to your local police.

Check Scams

You may receive an email or letter saying you won a lottery and later receive a check. Or you may sell something on eBay and receive payment by check. If you cash the check you may be enabling a criminal to pass a counterfeit check, launder money, or worse. Blank checks are stolen every day from mailboxes at homes and businesses and are used by counterfeiters and scammers to steal money.

What can you do to prevent fraud and identity theft?

  • If you receive a check by mail that you are not expecting, do not cash it. Call the issuing bank to verify the legitimacy of the account and check.
  • If you are the victim of a counterfeit check cashing scam, email the FDIC's Special Activities Section at: alert@fdic.gov.
  • If you wish to report suspicious activity, contact the U.S. government’s Internet Crime Complaint Center at: http://www.ic3.gov or the Federal Deposit Insurance Corporation’s Cyber Fraud and Financial Crimes Section, 550 17th Street NW, Washington, DC 20429, (877) 275-3342 or (877) ASK-FDIC, http://www.fdic.gov.