Current Fraud Trends
Phone Calls and/or Text Message Scams
Community Bank will never call and ask you to provide your debit card information or PIN. If you receive a phone call from someone offering you a computer service, trying to sell you something, telling you that your debit card is not working, or that you have a relative in trouble or in an accident, DO NOT give them your information. Community Bank has had reports of many recent scams involving phone calls and text messages of this nature. If you are contacted by someone saying they are from a business where you are a customer, do not give them your information. Hang up and call the company using the existing phone number you already have on file for them. If you have any questions or concerns involving these types of scams, please contact our Operations Department at 406-676-4600.
We frequently see customers attempting to deposit checks received in the mail, via Fed Ex, or UPS. In this scam, these checks are received unexpectedly; no funds were owed to you from this company or individual. The majority of these envelopes will be postmarked from out of the country, or the maker of the check and the letterhead used are not the same company names. There may be information stating you've won a lottery, an inheritance, or a sweepstakes. The sender issues you a fraudulent check, has you deposit or cash the check, and then asks you to send funds back to them before you have knowledge the check isn't valid and will be returned back to you as unpaid.
If you use the Internet to advertise something for sale, be aware that your contact information is available for anyone to view. The common scam involves an e-mail from someone interested in purchasing your product. Most of the time, if you examine the e-mail closely you will find misspellings or improper grammar. The "purchaser" will issue you a fraudulent check, have you deposit or cash the check, and either have you send funds back to them or turn over your merchandise before you have knowledge the check isn't valid and will be returned back to you as unpaid.
A good rule of thumb to remember when reviewing mail or e-mail documents is if it sounds too good to be true, it usually is. If you do receive one of these checks in the mail, please do NOT try to deposit or cash it. You can either turn it into the Post Office or one of our branches with all the supporting documents (envelope, e-mails, and letter). We will send it into Homeland Security for further investigation.
If you believe you have been a victim of Identity Theft, a Debit Card Scam, or a Mail Scam, please notify the Operations Department immediately at (406) 676-4600.
To report a Lost/Stolen ATM or Debit Card or to report suspicious debit card transactions on your account please call 1-800-472-3272.
To report Identity Theft, please contact the Federal Trade Commission (FTC) Identity Theft Hotline toll-free at 1-877-IDTHEFT.
Prevention & Education
Visit the Federal Trade Commission (FTC) website for consumer information www.consumer.ftc.gov/
Visit the Federal Trade Commission (FTC) Bureau of Consumer Protection Business Center website http://business.ftc.gov/