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Why Bank with us

Come open an account and see why we're the right choice for your banking needs!
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ID Theft Victim

Have you been a victim? Follow the link to begin the recovery process.
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Lost/Stolen Card?

Report a lost/stolen card here.
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Consumer Alerts

Alerts To Be Aware of.
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Contact Us

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Opting Out of Credit Bureau Lists.

If you have applied for credit and then receive a number of calls, texts or mailers from competing agencies, your name was probably on a list that was given or sold.

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Read the following article and follow the instructions to Opt Out.

 

Federal Trade Commission Opting out of prescreen lists

Scammers Claiming to be Affiliated with F&C Bank

We’ve been alerted to a cash app scam using our logo through Facebook.

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IMPOSTER ALERT

We have been alerted that fraudulent information is going out to people in our area and we want to assure you –

This is not us.

(Please see the below screen shot provided to us.)

  • WE are NOT affiliated with this company.
  • We are NOT affiliated with any investment company.
  • We do NOT use social media for more than alerts, job postings, fun stuff and important & educational information.
  • We are NOT going to send messages through text or email unless you signed up for notifications through your digital banking.
  • We do NOT initiate messages through Facebook messenger or any other social media platform.
  • We do NOT ask you to send us money by wire transfer, gift card codes and payment apps.
  • We will NOT ask for your personal information or codes.
  • We do NOT pressure you to act immediately.

If you have concerns- PLEASE CALL US!

816-850-5516

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Imposter Scam Close To Home!

Scammers are impersonating bank fraud departments and F&C Bank is not immune.

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Scammers are impersonating bank fraud departments to trick victims into thinking that their actual bank is calling them. Then, the scammers ask for personal data and use it to access victims’ online banking accounts.

What to Know

  • Scammers claiming to be from F&C Bank may call and say there is a fraud alert regarding suspicious account activity that they need to confirm with you.
  • Oftentimes, there may be a manufactured fraudulent “pending charge” to make it seem legitimate. They may claim that unauthorized access to your online banking has occurred, and they need to secure it.
  • During the call, the scammer will ask you to provide your online banking user ID, password, answers to your online banking security questions, or email account used for your banking statements. They may even ask you if they can sign into your online banking account to confirm a recent charge or credit/refund. Do not ever give personal information over the phone.
  • F&C Bank does make outbound service calls to our customers, when we call, we will NOT ask you to provide or verify your:
    • Full Social Security number
    • Online banking user ID
    • Online banking password
    • Online banking security question answers

Scammers use this information to reset credentials and take over online banking accounts. F&C Bank sends emails regarding account level changes to your account, such as security questions, email address, and password changes. If you receive an email from F&C Bank regarding these types of changes that you did not initiate, please call us immediately.

What to Do

  • If you receive a call requesting any of the information above, immediately hang up and call us at (816) 850-5516.  DO NOT use the number on the caller ID screen and hit Redial.
  • If you receive a suspicious call like this, begin to review your banking accounts daily. Account Alerts can be setup in online and mobile banking to monitor your account balance and any credits to your account.
  • If you discover a fraudulent transaction on your F&C Bank account, immediately contact us at (816) 850-5516.

At F&C Bank, we work to keep your accounts safe and secure, whether you’re accessing them online, through an ATM, mobile device or in one of our branches. For more information on the latest cybersecurity issues you may encounter, visit our consumer alerts page.

How Money Smart Are You?

Using the FDIC Money Smart Game-

Test how money smart you are.

14 games that help you

Earn-Save-Protect-Spend-Borrow!

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FBI Sees Rise in Fraud Schemes Related to the Coronavirus (COVID-19) Pandemic
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Ransomware

Ransomware is an ever-evolving form of malware designed to encrypt files on a device, rendering any files and the systems that rely on them unusable. Malicious actors then demand ransom in exchange for decryption.

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TAXES. SECURITY. TOGETHER

The IRS releases security awareness for taxpayers with some important information on how to protect yourself and your computer. Cybercriminals are constantly evolving and you must to.

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Click here to learn more!

Cryptocurrency & Scams

Before you use or invest in “Crypto”, it’s important to know more.

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The Federal Trade Commission (FTC) has some great information on what you need to know about Cryptocurrency, how to use it and how to avoid and report scams.

 

https://consumer.ftc.gov/articles/what-know-about-cryptocurrency-and-scams

FDIC Consumer News

FDIC Consumer News is the FDIC’s monthly newsletter to consumers, providing practical guidance on how to become a smarter, safer user of financial services, including helpful hints, quick tips, and common-sense strategies to protect and stretch your hard-earned dollars.

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Click here to learn more!

Free Trial Offers

The truth about “FREE” trial offers. They usually end up costing you a lot of money and headache. The majority of what we see in debit card disputes comes from these types of offers. You may have just ordered the latest and greatest diet aid, skin care cream or miracle acne fix for free, that is until you see they have charged you additional fees, shipment costs or even started you on their program automatically. This usually results in us having to close the debit card and issue a new one, then attempt to get back the money that you didn’t know you agreed to. Also, if you used your account number instead- This results in having to close your account and open a new one, move all of your deposits and so on. Please be aware and be careful of any “too good to be true” offers.

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Click here to learn more!

Understanding Mobile Apps

If you have a smart phone or other mobile device, you probably use apps – to play games, get turn-by-turn directions, access news, books, weather, and more. Easy to download and often free, mobile apps can be so much fun and so convenient that you might download them without thinking about some key considerations: how they’re paid for, what information they may gather from your device, or who gets that information.

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FBI Warns Banks Of Latest Scam ‘Coaching’ Victims For Money

Thieves instruct victims on how to lie when banks question wire transfer

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The Kansas City Division of the Federal Bureau of Investigation notified MBA (Missouri Bankers Association) about the rise of fraud scams nationwide, including the latest trend of criminals ” coaching” victims.

Recently, an elderly victim in Missouri was contacted by an individual claiming to be a federal agent and demanding the individual pay back taxes owed to the IRS. The caller instructed the victim on how to wire money to a specific account and how to circumvent inquiries and lie to bank employees when questioned about the wire transfer. “Coaching victims” is another way for thieves to manipulate and extort an individual while evolving and adjusting to counter any safeguards in place.

A Text Message Scam.

Let me set the scene: your friend John is rushing to get his daughter from school and his son to the soccer field, and he still needs to stop at the grocery store because there’s nothing in the fridge. In the midst of this everyday madness, he gets a text message from Google with a verification code. He thinks, “That’s weird. Maybe I should log in to my email and see what’s going on.”

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Five Key Tips from the FDIC for National Consumer Protection Week

To read more about the tips from the FDIC visit the FDIC Consumer News.

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The Secrets of Mystery Shopping...Revealed

Do you love to shop? If so, you may be tempted by Mystery Shopper emails. 

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Unsolicited emails or newspaper ads claim you can earn a living as a secret or mystery shopper by dining at elegant restaurants, shopping at pricey stores, or checking into luxurious hotels. But, according to the Federal Trade Commission (FTC), the nation’s consumer protection agency, marketers who promise lucrative jobs as mystery shoppers often do not deliver bona fide opportunities.

Click here to learn more!

Protection for your Debit Card

To protect your account from the increasing amount of debit card fraud we have BLOCKED the use of debit cards in some states & foreign countries. If you are planning to travel out of state or the United States, prior to your trip please call F&C Bank at (816) 850-5516 to authenticate your card for use while you are traveling.

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Avoid Online Scams!

It is important to keep your hard-earned money and your identity safe. Please visit the FBI website to find tips to protect yourself and your family from various forms of Internet fraud.

Learn More

Click here to learn more!