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COMING
SOON!!
Another
ATM location in CARBONDALE
South Side of University Mall Parking Lot
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TECH TIP
Illinois Bankers Association Provides Tips on ATM Safety and Awareness
The Illinois Bankers Association is aware of several recent incidences of Automated
Teller Machine “skimming” that have occurred in the state. Skimming involves a device that is fraudulently attached to an ATM at the point where the card is inserted into the machine. The fraudulent device reads the magnetic strip on the back of the card thereby capturing account information. Similar scams have surfaced in recent years, and they have quickly subsided as more and more consumers become aware of skimming tactics.
If such a device is detected or if the card insert opening looks suspicious, consumers
should not use that ATM and are asked to call their bank and local police department.
ATM card safety tips from the Illinois Bankers Association.
Thieves have targeted some stand-alone ATMs or retailers’ point of-sale machines for “skimming” scams. They rig the “swipe” machine with a device that
can capture the magnetic stripe and keypad information.
Be wary of nearby strangers or “good Samaritans” that offer to help you, particularly when an ATM “eats” your card. They could be trying to obtain your card and PIN. Also be wary of “shoulder surfing” where the person behind you is close enough to read the information you enter into the machine.
If an ATM looks suspicious – for instance, if it has a discolored card reader or an unresponsive keypad – use another machine.
Check your bank statements regularly. Make sure all payments are yours.
Contact your bank immediately if your card is lost, stolen or subject to fraudulent
use.
Memorize your PIN. Never store it with your card.
Keep your receipts. You’ll need them to check your statement. If they have your
account number on them, shred them before throwing them away.
Know your limits. Many issuers limit daily purchases and withdrawals for your
own protection.
If you suspect something is amiss, contact your bank and your local law
enforcement agency.
The Illinois Bankers Association is a full-service trade association dedicated to creating a
positive business climate that benefits the entire banking industry and the communities
they serve. Founded in 1891, the IBA brings together state and national banks, savings
banks, and savings and loan associations of all sizes in Illinois. Collectively, the IBA
represents nearly 90 percent of the assets of the Illinois banking industry, which employs
nearly 100,000 men and women in nearly 5,000 offices across the state.
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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Community
Interest
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MURPHYSBORO
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As of January 1, 2012
New rules in Illinois regarding
electronic and household recycling
link to website
Historical
Preservation
"Bald Knob
Cross"
website
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City of Murphysboro
Chamber of Commerce
Red Devils
THE FIRST BANK AND TRUST COMPANY OF MURPHYSBORO
is proud to be a
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