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Fraud Alert

Please remember that no person from Farmers & Merchants Bank will ever ask for your PIN, password or secret code.


January 13th - Special Fraud Alert from the FDIC to Consumers


Recently, many Americans have received a series of fraudulent e-mails, which direct recipients to websites where they are asked to verify sensitive personal information. The websites to which the email recipients are directed are often very similar to, if not actual clones of official government sites, financial institutions, or other businesses.

The e-mails are part of a scam known as "phishing." Phishing is the fraudulent scheme of sending an e-mail to a user falsely claiming to be a legitimate company. The e-mail directs the user via a web link to visit a web-site where they are asked to update personal information, such as name, account and credit card numbers, passwords, social security numbers and other information. The Web site, however, is not genuine and set up only to steal the user’s information to be used for identity theft. Sometimes the telephone is also used to lure customers into giving out personal information.

In an effort to fight identity theft, we want to assure our customers that we do not communicate with customers by e-mail or telephone requesting important personal information such as your name, account numbers, date of birth, social security number, debit/credit card numbers, or your PIN. If you have concerns about an email or phone call, manually type the web site address instead of using links found in the email or call back to the bank by using the number found in the phone book or directory assistance.

Consumers can protect themselves from any identity theft scam by following these useful tips, developed by the Federal Trade Commission:

  • If you get an email that warns you that an account of yours will be shut down unless you confirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or Web site address you know to be genuine.
  • Avoid emailing personal and financial information. Before submitting financial information through a Web site, look for the "lock" icon on the browser's status bar. It signals that your information is secure during transmission.
  • Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
  • Report suspicious activity to the FTC. Send the actual spam to If you believe you've been scammed, file your complaint at, and then visit the FTC's Identity Theft Web site to learn how to minimize your risk of damage from identity theft.
The Treasury and federal financial regulators are working hard to combat identity theft; however, all consumers must take reasonable precautions in the use of their own personal financial information in order to help prevent themselves from becoming victims of identity thieves.