We want you to have a safe banking experience with us. Review the current alerts on scams reported to First Dakota National Bank. If you have a scam to report, please contact us.
Find advice for protecting your business from malicious attacks and data breaches at the Better Business Bureau.
Report Compromised Info Immediately
If you believe your debit card, PIN, or personal information have been compromised, contact us at First Dakota immediately at 800.486.4712 or after bank hours at 1.888.297.3416 within the United States and 1.206.389.5200 outside of the United States.
How does First Dakota's Fraud Risk Management Program work?
- If our Risk Management team suspects fraud, an Auto Dialer will start the contact process with an email message first, then a text alert. If no response from either of those methods, an automated voice call will be made.
- Our message will never ask for your Social Security #, PIN, account or card number.
- If fraud is confirmed, you will be instructed to contact the financial institution.
- If you cannot be reached, the fraud analyst will place a block on the card and leave a message with the toll-free phone number, so you can contact the Fraud Center.
- If you are in doubt about what our Fraud Center is questioning, please call us directly at 605.665.7432 or 800.486.4712.
External Company Scams and Breaches
Watch for texts from TransUnion
Beware of texts that say "Alert Message - FINAL REMINDER: TRANSUNION has Flagged Your Account for Unusual Activity." This is a phishing scam. Do not call them back or click on any links in their text message. TransUnion is a credit reporting agency, so you wouldn't have an account with them.
Avoid Coronavirus Vaccine Scams - Advice from the Better Business Bureau
Con artists are offering up ways to get a vaccine by telling people they can take part in clinical trials. False offers like this are likely to continue as COVID-19 cases skyrocket.
Be aware of text messages, emails, or social media messages stating you could qualify for a clinical trial and make money doing it. Scammers might offer hundreds or thousands of dollars, but there’s usually a catch and they might ask for money upfront or personal information.
Watch out for red flags -- if you haven’t inquired about a clinical trial and you get a message about one, delete it.
Real clinical trials will never ask you to pay them. Do not click on links as the scammer may be putting malware on your computer. Never give out your Social Security number and never share financial information -- like your bank account or routing number -- unless you are 100% sure who you are doing business with.
Avoid Coronavirus Scams - Advice from the Federal Trade Commission
- Do not respond to texts, emails or calls about checks from the government. With the government relief checks you don't need to do anything. As long as you filed taxes for 2018 and/or 2019, the federal government likely has the information they need. Do not give anyone your personal information to "sign-up" for your relief check. To set up direct deposit of your check, communicate only with the IRS at irs.gov/coronavirus. No one has early access to this money. Anyone that claims to have early access is a scammer.
- Ignore online offers for vaccinations and home test kits. There are no products proven to treat or prevent Covid-19 at this time.
- Hang up on robocalls. Scammers are using illegal robocalls to pitch everything from low-priced health insurance to work-at-home schemes.
- Watch for emails claiming to be from the CDC or WHO. Make sure the website address is correct. Don't click on links from sources you do not know.
- Do your homework when it comes to donations. Never donate in cash, by gift card, or by wiring money.
The FTC and FDA have jointly issued warning letters to seven sellers of unapproved and misbranded products, claiming they can treat or prevent the Coronavirus. The companies' products include teas, essential oils, and colloidal silver. If you see a scam, report it to ftc.gov/complaint.
12/15/2020: FTC Consumer Alert Warns of Potential Fraud Related to COVID-19 Vaccines
With multiple promising COVID-19 vaccines on the horizon, a new consumer alert from the Federal Trade Commission this week warned consumers of potential fraud scams associated with the vaccines. The FTC outlined several facts that can help consumers steer clear of potential scams. For example, the FTC said that consumers will likely not have to pay out of pocket to receive the vaccine; will not be able to pay to put their name on a list to receive the vaccine or receive early access; and will not be contacted by a representative from a vaccine distribution site or health care payer asking for their Social Security number or bank account information in order to sign up to receive the vaccine. The FTC also urged consumers to be wary of providers offering products, treatments or medicines to prevent the virus, and to consult their healthcare provider before paying for or receiving any kind of COVID-19 treatment. If a scam is suspected, the FTC directed consumers to report it by visiting ReportFraud.ftc.gov or filing a complaint with their state or territory attorney general through consumerresources.org.
4/3/2020: Alert Tips from the SD Office of the Attorney General
- Be alert to “phishing” emails – ones that appear to come from legitimate government agencies such as the Centers for Disease Control, especially if the email encourages you to click on a link for more information. Simply delete them without response.
- Ignore phone calls, emails, advertising or mail items offering a miracle cure for, or protection against, Coronavirus. There is currently is no vaccine or cure. When one is available, residents can be sure that the appropriate government agencies will promptly provide information to the public. When receiving these calls do not press a number to be removed from the calling list.
- Don’t be fooled by calls or text messages claiming that you are required to pay for testing or to provide personal information as part of a government response to the Coronavirus.
- Beware of unauthorized or fraudulent charities or solicitations. Bogus charities will try to solicit donations during these emergencies.
- There have been reports of a scam that involves automatic credit or bank charges for Coronavirus test kits which can only be cancelled and refunded if the unsuspecting victim will "verify" their account information and mailing address.
4/3/2020: Alert Tips from the South Dakota Department of Labor and Regulation regarding Unemployment Insurance
- There is no fee to file for unemployment compensation. The Department of Labor and Regulation will never ask for a payment method to process a claim.
- There are several false websites that advertise they can assist claimants in filing for unemployment benefits. Use only the official DLR Reemployment Assistance website: RAclaims.sd.gov.
- Personal Documents: DLR will ask for a social security number and driver's license/state-issued ID, but will not require you to upload them.
- You will not be called and asked to verify your identity after filing a claim, so don't believe it if someone calls. The next step is receiving a packet in the mail.
- DLR does not pay claimants to take surveys, so do not complete any survey that appear to be from the State.
3/18/2020: Checks from the Government - Advice from the FTC
As the Coronavirus takes a growing toll on people’s pocketbooks, there are reports that the government will soon be sending money by check or direct deposit to each of us. The details are still being worked out, but there are a few really important things to know, no matter what this looks like.
- The government will not ask you to pay anything up front to get this money. No fees. No charges. No nothing.
- The government will not call to ask for your Social Security number, bank account, or credit card number. Anyone who does is a scammer.
- These reports of checks aren’t yet a reality. Anyone who tells you they can get you the money now is a scammer.
Look, normally we’d wait to know what the payment plan looks like before we put out a message like this. But these aren’t normal times. And we predict that the scammers are gearing up to take advantage of this. So, remember: no matter what this payment winds up being, only scammers will ask you to pay to get it. If you spot one of these scams, please tell the Federal Trade Commission: www.ftc.gov/complaint. We’re doing our best to stop these scammers in their tracks, and your report will help.
3/18/2020: COVID-19 Scam
Be cautious of scammers taking advantage of COVID-19! Please be extra cautious when you receive emails with links to click to "protect" yourself and/or your assets. General tips on fraud prevention:
- If you receive a call from anyone asking for information about your debit card, mobile banking, checking accounts, or online banking credentials, hang up immediately as we would never call and ask for this information.
- Never provide to anyone your Personal Identification Number (PIN) or your user name and password used to access Digital Banking. There is NEVER a legitimate reason to provide this information, no matter how insistent a caller may be. In fact, the more insistent the caller, the more confident you can be they are a scammer.
2/13/2020: Dating Scam
The Dating Scam was the costliest scam reported to the FTC in 2019. Scammers know millions of people use online dating sites. They are there, too, hiding behind fake profiles. Signs of the Dating Scam include:
- Professes love quickly. Claims to be overseas for business or military service.
- Asks for money and lures you off the dating site.
- Claims to need money - for emergencies, hospital bills or travel. Plans to visit, but can't because of an emergency.
What should you do?
- Slow down. Talk to someone you trust. Don't let the scammer rush you.
- Never transfer money from your bank account, buy gift cards or wire money to an online love interest. You won't get it back.
- Contact your Bank right away if you think you've sent money to a scammer.
- Report your experience to:
- The online dating site
- Federal Trade Commission: ftc.gov/complaint
- Federal Bureau of Investigation: ic3.gov
2/10/2020: Postal Scam
The United States Post office and the Postal Inspection Service are alerting customers to an email scam in which the sender - who claims to be a Postal Service leader - asks for personal information in order to deliver a high-value package. Other scams seek payment on unpaid online postage charges or ask the recipient to confirm a delivery by downloading an attachment. Please remember: The Postal Service will not contact customers directly for payment. The organization doesn't ask customers to confirm delivery by downloading attachments.
1/7/19: Microsoft Scam
Tech support scams are an industry-wide issue where scammers use scare tactics to trick you into paying for unnecessary technical support services that supposedly fix a contrived device, platform, or software problems. Scammers may call you directly on your phone and pretend to be representatives of a software company. They might even spoof the caller ID so it displays a legimate support phone number from a trusted company. They ask you to install applications that give them remote access to your device. Always remember:
- Microsoft does not send unsolicited email messages or make unsolicited phone calls to request personal or financial information, or to provide technical support to fix your computer.
- Any communication with Microsoft has to be initiated by you.
- If a notification appears with a phone number, do not call the number. Error and warning message from Microsoft never include a phone number.
Help Microsoft stop scammers, whether they claim to be from Microsoft or from another tech company, by reporting tech support scams to www.microsoft.com/reportascam.
VISA or MasterCard Fraud Scams
The scam works like this:
Person calling says, "This is (name), and I'm calling from the Security and Fraud Department at VISA/MasterCard. My badge number is 12460. Your card has been flagged for unusual purchase patterns, and I'm calling to verify. This would be on your VISA/MasterCard, which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona?"
When you say "no", the caller continues with, "Then we will be issuing a credit to your account. Before your next statement, the credit will be sent to (gives your address); is that correct?" You say "yes".
The caller continues. "I will be starting a fraud Investigation. If you have any questions, you should call the 1-800 number listed on the back of your card (1-800-VISA) and ask for security. You will need to refer to the control number.” The caller then gives you a six-digit number.
Here's the important part on how the scam works. The caller then says, "I need to verify you are in possession of your card." They will ask you to turn your card over and provide the last three numbers. After you tell the caller the three numbers, he'll say, "That is correct. I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?"
After you say no, the caller then thanks you and states, "Don't hesitate to call back if you do," and hangs ups. You actually say very little, and they never ask for or tell you the card number.
What the scammers wants is the 3-digit PIN number on the back of the card. Don’t give it to them. Instead, tell them you'll call VISA or MasterCard directly for verification of their conversation. VISA stated that is a scam and they will never ask for anything on the card as they already know the information since they issued the card. If you give the scammers your three-digit PIN, you are led to believe you're receiving a credit; however, by the time you get your statement, you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.
2/5/18 IRS Issues Warning about Tax Scam Targeting Preparers’ Data
With the 2018 tax filing season kicking off last week, the IRS on Friday issued a warning about an emergent identity theft tax scam that targets tax preparers’ computers and, in some cases, involves depositing funds in victims’ bank accounts. The agency warned that cybercriminals are sending phishing emails to tax preparers that contain malware allowing them to make off with sensitive tax filer data. The fraudsters then use that information to file for fraudulent tax returns. “In a new twist, the fraudulent returns in a few cases used the taxpayers' real bank accounts for the deposit,” the IRS said. “A woman posing as a debt collection agency official then contacted the taxpayers to say a refund was deposited in error and asked the taxpayers to forward the money to her.” The novel approach comes as fraudsters continue modifying their efforts to steal tax refunds. The IRS advised taxpayers who receive a direct deposit refund that they did not request to ask their bank to return the direct deposit to the IRS and to call the IRS to explain why it is being returned. “Keep in mind interest may accrue on the erroneous refund,” the agency added. Read more at IRS.gov.
2/2/18 Equifax New Mobile App
Equifax has rolled out a new mobile application called Lock & Alert. It allows you to lock your Equifax report from your mobile device or computer. You are also able to unlock it quickly and easily, with just a swipe of your finger. Any time you lock or unlock your report you will receive an alert from Equifax on your device. A lock is a mobile version of a freeze, so when you lock your credit report down, no one can pull it. The app is free for life and it will not cost anything to lock or unlock your credit report, you can find out more by visiting www.equifax.com.
9/27/17 Sonic Drive-In
Sonic Drive-In, a U.S. fast-food chain with nearly 3,600 locations across 45 states, has acknowledged a breach affecting an unknown number of store payment systems. The ongoing breach may have led to millions of stolen credit and debit card numbers that are now being sold. Sonic issued the following statement to KrebsOnSecurity: "We are working to understand the nature and scope of this issue, as we know how important this is to our guests. We immediately engaged third-party forensic experts and law enforcement when we heard from our processor. While law enforcement limits the information we can share, we will communicate additional information as we are able."
9/8/17 Equifax Discloses Massive Consumer Data Breach
On September 7, 2017 consumer credit reporting bureau Equifax announced a major data breach affecting approximately 143 million Americans. The company said from mid-May through the end of July, criminals exploited an Equifax website vulnerability to access names, Social Security numbers, birth dates, addresses and in some cases driver’s licenses.
Equifax has set up a website to help consumers determine if their information was breached and, if so, to sign up for credit monitoring and identity theft protection offered by TrustedID, an Equifax subsidiary. Equifax has said they will also mail notices to consumers whose credit card numbers or dispute documents were breached. Their website address is www.equifax.com
Based upon the size of this breach, it appears a large percentage of all American consumers’ files may have been impacted. First Dakota National Bank advises all consumers to take the following steps:
- Go to the Equifax website to confirm if your data may have been breached (this site appears to be very busy; we suggest you keep trying, if you receive an error message)
- We suggest you place a fraud alert on your credit report
- Monitor monthly your credit cards and other accounts for unauthorized activity
- Pull yearly a free credit report through www.annualcreditreport.com and view for unauthorized loans or credit card accounts
Fraud alerts only need to be placed with one credit bureau and the information will be reported to the other two. They can be placed directly through the credit bureau’s website or via phone.
If you do this through a website, page down to the option to request a fraud alert. Fraud alerts are only valid for 90 days so we suggest you put a note on your calendar to re-enter it every 90 days. First Dakota National Bank does not endorse any credit monitoring or ID Theft Protection products. Each consumer needs to research available options and make a decision regarding the best option for them. For more information go to Federal Trade Commission at FTC.gov.
7/28/17: Microsoft Scam Twist
We had a customer who received a call from “Microsoft” indicating that she was due a refund from them. She gave the scammers access to her computer and they obtained a checking and savings account number from her. Here is the interesting twist. They told her that she was owed $500 but they accidently gave her $2500 so she would need to send the $2000 back. What they actually did was transfer $2500 from her savings account to her checking account. On the checking account transfer they used “refund” language to make it look as though they made a deposit instead of a transfer. They then asked her to purchase 2000 in Wal-Mart gift cards to return the “overpayment”. At that point she knew it was a scam and came into the bank. She had to have both accounts and her internet banking closed as she had been breached. Fortunately she did not send the money.
6/23/2017: Credit Card Scam
There is a credit card scam going around right now in which an employee of the “Security and Fraud” department of VISA or Mastercard is calling to discuss and confirm a fraudulent transaction. Following a conversation regarding the amount and source of the alleged charge, the security employee will say something to the effect of “In order to confirm that you have the card in your possession, we need you to read the 3 digit number on the back of your card”. Once read to them, the person will confirm that it is correct and terminate the call. This is the piece of information the scammer needs to access that card because they have the rest of the information, and within minutes will have made fraudulent charges. No credit card company will ask for the card number or the 3 digit number on the back of the card. If you receive this call, do not give out the information and terminate the call. If you really want to confirm that there is or is not e fraud on your card, call the 800 number on the back of your card and speak to a customer service rep. If there was fraud, there will be notes on their system and the CSR can assist you.