Fraud Prevention

At Maple Bank, we want to help you protect your identity and avoid fraudulent activity.

Please review the information in this portion of our website to protect yourself and your family. We invite you to share it with friends, family and co-workers, too. Let's work together for increased safety.

Below you will find articles on the following topics. You may click on the title to go directly or read through all the articles:

Protect Your Privacy

Identify theft is one of the fastest growing white-collar crimes. It occurs when an identity thief gains access to and uses an individual's personal identifying information without his or her knowledge in order to commit fraud or theft. To protect your privacy and minimize your risk of becoming a victim of identity theft you can take the following steps:

Personal Identifying Information
Credit, Debit and ATM Cards
Mail
Credit Reports

You can obtain your free credit reports as follows:

Online: www.AnnualCreditReport.com

By phone: 877.322.8228

By mail:         

Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Bank Account and Credit Card Statements
Telephone and Internet Solicitations
Home Security
PINs and Passwords
Wallets and Purses
Miscellaneous
If you become the victim of identity theft:

Please contact us immediately if you believe that you are a victim of identity theft involving one of your Maple Bank accounts.

 

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Email Scams

Maple Bank will never ask for sensitive financial or personal information, such as account numbers, passwords and Social Security numbers, via e-mail.

Protect yourself from Internet and email scams by keeping your private information secure. At Maple Bank, your privacy is very important to us. That's why we want to let you know about an email scam on the Internet called "phishing" (pronounced "fishing") a technique fraudsters use to lure online consumers to fake corporate websites through links sent via email.

In Phishing scams, the message in the email often warns consumers that their account will be closed if their information is not updated or "verified." The links within the email are often pointed to web forms that ask for bank account information, such as routing numbers, account numbers, PIN numbers, passwords and Social Security numbers.

It is Maple Bank's policy to not send or request confidential account information through email because it is not a secure form of communication. You should never enter private, personal information in a form that was sent to you by email.

Here are a few ways you can protect yourself from Internet and email fraud (phishing):

Maple Bank will NEVER request a customer's personal information (bank card number, account number, social security number, personal identification number or password) via email. If you should ever receive an email or phone call from a source that claims to be Maple Bank, requesting your personal, confidential information, DO NOT respond and contact the Bank immediately.

 

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Other Common Scams to Avoid

Lottery Scams

In the lottery scam, you receive an email notification claiming that you have won an international lottery (Jamaican Lottery, Spanish Lottery, etc). In order to claim your winnings, you must contact the claims agent, typically via an email address that is most often from a free provider (e.g., Yahoo, Hotmail, etc.). The agent then sends you a claim form to verify your identity. You must then return the form with your personal details, along with copies of your passport and/or driver's license to "verify your true identity." The fraudsters now have enough information to duplicate your identity. In addition, in order to claim the winnings, you are required to wire funds to the fraudsters to cover the transaction, insurance, tax and legal fees associated with receiving their winnings. The victims are required to transfer the money requested via Western Union. You are now out the funds that you have wired to the fraudsters, and the fraudsters have your personal identification to continue to commit fraud.

Nigerian Scams

The Nigerian Purchase Scam is another form of fraud that is becoming widespread in auction sites and on business' ecommerce web sites. A buyer will bid on or seek to purchase big-ticket goods (e.g., cars, boats, etc.) from the web site. The buyer will "accidentally" overpay the seller, stating they "wanted to make sure there were enough funds for shipping." The buyer will then ask the seller to deposit the check and refund the amount of the overpayment. The seller will deposit the counterfeit check and send the overpayment to the buyer prior to the check clearing through the international banking system. The seller is out the funds equal to the overpayment. In addition, the seller could be down the value of the shipped goods if those are sent at the same time.  To protect yourself, always be careful when transacting with unknown parties. If you question the legitimacy of a buyer, talk with your branch representative to determine the best way to validate the check and funds prior to shipping any goods or providing a refund for the overpayment.

Mystery Shopper

You get an email or a letter in the mail from a "mystery shopping company" often times the name of the company sounds official. Usually there is a check included or a promise to send a check. They tell you to cash the check and complete an assignment at a major retail store. Then they tell you to take the rest of the money that you didn't spend and send it to another mystery shopper via Western Union. The only problem is that's not a mystery shopper, that's the scammer! The check sent to you was not legitimate, but the bank won't realize it for at least a week. When the check is returned as fraudulent, you become responsible for the charges. Meanwhile, you just sent money to the scammer via Western Union and you're left holding the bag.

Check Scams

If you receive an email or letter in the mail saying you won a lottery and they send you a check or if you sell something on EBay and the buyer pays with a check, you may think you can just take the check to your bank and cash it.  Unfortunately, you can't. What's worse, if you cash it in most states, you may be assisting a criminal in passing a counterfeit check, money laundering or worse. Blank checks are stolen every day from individual mail boxes, homes, businesses and even banks. Counterfeiters and scammers use these checks to create scams and frauds.

What can you do?

http://www.ic3.gov

or contact them at:

FDIC's Cyber Fraud and Financial Crimes Section
550 17th St., NW, Room F-4040,
Washington, D.C. 20429

 

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Please contact us immediately to report a lost or stolen ATM or Debit Card. After hours, please call 800.535.8440.