Cornhusker Bank is pleased to welcome you to our blog. You’ll find tips and advice from our collaborative associates, as well as updates on the bank and events. Cornhusker Bank associates feel it is important to share insights and we love bringing you into the conversation. Our posts on this blog are an extension of our relationship with you, and we hope you find value here which proves our commitment to your success!
MS-ISAC provides the following information to help with your security. Tax season is in full swing, which means criminals will go to great lengths to separate you from your money, your identity, or anything of value that is within their reach. They may offer seemingly legitimate “tax services” that are actually designed to steal your identity and your tax refund. Often times, criminals will lure you in with an offer of larger write-offs or refunds. Such scams might include fake websites and tax forms that look like they belong to the Internal Revenue Service (IRS) in order to trick you into providing your personal information.
Due to the rise in data breaches, you should always take steps to minimize your risk of identity theft and other online-related crimes; this is especially important this time of the year. Below are some warning signs to look for and basic precautions you can take to minimize risk and avoid becoming the next victim!
Warning Signs of an Online Tax Scam
- An email or link requesting personal and/or financial information, such as your name, social security number, bank or credit card account numbers, or any additional security-related information.
- Emails containing various forms of threats or consequences if no response is received, such as additional taxes or blocking access to your funds.
- Emails from the IRS or federal agencies. The IRS will not contact you via email.
- Emails containing exciting offers, tax refunds, incorrect spelling, grammar, or odd phrasing throughout.
- Emails discussing “changes to tax laws.” These email scams typically include a downloadable document (usually in PDF format) that purports to explain the new tax laws. However, unbeknownst to many, these downloads are almost always populated with malware that, once downloaded, will infect your computer.
How to Avoid Being the Victim
- Never Send Sensitive Information in an Email: Information sent through email can be intercepted by criminals. Make sure to consistently check your financial account statements and your credit report for any signs of unauthorized activity.
- Secure Your Computer: Ensure your computer has the latest security updates installed. Check that your anti-virus and anti-spyware software are running properly and receiving automatic updates from the vendor. If you haven’t already done so, install and enable a firewall.
- Carefully Select the Sites You Visit: Safely searching for tax forms, advice on deductibles, tax preparers, and other similar topics requires great caution. NEVER visit a site by clicking on a link sent in an email, found on someone’s blog, or in an advertisement. The websites you land on might look like legitimate sites, but can also be very well-crafted fakes.
- Be Wise with Wi-Fi: Wi-Fi hotspots are intended to provide convenient access to the internet, however, this convenience can come at a cost. Public Wi-Fi is not secure and is susceptible to eavesdropping by hackers, therefore, never never use public Wi-Fi to file your taxes!
- Look for Clear Signs: Common scams will tout tax rebates, offer great deals on tax preparation, or offer a free tax calculator tool. If you did not solicit the information, it’s likely a scam.
- Be on the Watch for Fake IRS Scams: The IRS will not contact you via email, text messaging, or your social network, nor does it advertise on websites. Additionally, if an email appears to be from your employer or bank claiming there is an issue that requires you to verify personal information, this is most likely a scam as well. Don’t respond to these types of emails; always contact the entity directly.
- Always Utilize Strong Passwords: Cybercriminals have developed programs that automate the ability to guess your passwords. To best protect yourself, make your passwords difficult to guess. Passwords should have a minimum of nine characters and include uppercase and lowercase letters, numbers, and symbols.
If you receive a tax-related phishing or suspicious email at work, report it according to your organization’s cybersecurity policy. If you receive a similar email on your personal account, the IRS encourages you to forward the original suspicious email (with headers or as an attachment) to its email@example.com email account, or to call the IRS at 800-908-4490. More information about tax scams is available on the IRS website and in the IRS Dirty Dozen list of tax scams.
For More Information
These links are provided because they have information that may be useful. The Center for Internet Security (CIS) does not warrant the accuracy of any information contained in the links and neither endorses nor intends to promote the advertising of the resources listed herein. The opinions and statements contained in such resources are those of the author(s) and do not necessarily represent the opinions of CIS.
Fraud schemes are hardly limited to the holidays, but they tend to spike during this high-spending and stressful time of the year. You can be aware of fraud tactics that will help you avoid becoming a victim.
Be skeptical about calls, texts, and emails:
- Cornhusker Bank and its fraud partners will not contact you asking for cardholder data, such as card numbers, PINs, CV2 Codes, or Expiration Dates.
- Do not respond to people who contact you asking for personal or financial information. Do not share your account numbers, Social Security numbers or other sensitive information.
- Do not open emails, email attachments or click on links in emails that you do not recognize.
- Do not share your online banking information with anyone.
Beware of common scams:
- Avoid online shopping deals that are too good to be true.
- Always book travel through a business that is familiar to you.
- Do not make any donations or payments with a gift card or wire transfer.
- Legitimate charities will not pressure you to make donations immediately.
- Do not send money by wire to a “relative” who claims to be stuck in a crisis away from home.
Protect your accounts:
- Enrollment in online/mobile banking provides peace of mind with 24/7 access to balances and transactions.
- Debit card fraud services alert customers by text or by phone of potential unauthorized transactions.
- CardValet allows customers control their debit card usage; limits can be set on transaction amounts, merchant types and spending locations, with alerts each time the debit card is used.
Call Cornhusker Bank at 402-434-2265 if you are concerned about any contact or solicitation. The Customer Engagement team will be glad to help!
A scam targeting customers and their banks recently resulted in millions of dollars of losses for financial institutions and the customers they serve. Fraudsters are performing sophisticated phishing scams where they impersonate bank personnel to get personal identifying information from customers. Using the information they obtain, fraudsters will then impersonate customers by contacting their bank’s debit card fraud services. If the fraudster is lucky, they will deceive the bank and gain approval for fraudulent transactions to post to customer accounts.
Fraudsters have been successful in deceiving banks and customers alike across the United States. While we take every measure possible to keep your accounts safe and secure, please help us by taking a moment to review the tips below to avoid being a victim. You can also find more detailed information by visiting our Fraud and Identity Theft webpage: https://www.cornhuskerbank.com/Fraud-Identity-Theft.aspx
• Cornhusker Bank or our 24/7 Fraud Service will never call, e-mail, or text you to ask for personal identifying information. Personal identifying information includes your debit card number, your debit card PIN, your debit card CVV Code, or your online banking password.
• You can control your debit card usage, customize alerts, and manage your spending with card controls within the Cornhusker Bank Mobile Banking App. Select Manage My Card – Select About Cards – to set up spending alerts, customize your spending limits by location or merchant or temporarily lock your card.
• Ensure the bank always has updated contact information for your account. Legitimate text messages will be sent to your phone if fraud is suspected for you to confirm or deny fraud attempts. We won’t, however, ask you for your PIN, debit card number, etc. through text or phone calls.
• If you receive a call from someone claiming to be from “the Bank” asking for sensitive information, please hang up and inform us by calling the Customer Engagement Team immediately at (402) 434-2265.
Cornhusker Bank and Burgher Family Dentistry
The relationship between Cornhusker Bank and Burgher Family Dental seems to have been a natural. Both businesses feel a strong commitment to help their customers realize a better life. Cornhusker Bank’s commitment to customers is a foundation for the bank, being upheld in every aspect, with the logo’s constant reminder that “Cornhusker Bank is committed to your success”. At Burgher Family Dentistry, they are committed to “keeping up-to-date with the most current technologies and techniques to provide the most thorough and optimal treatment and oral health.” Patients’ comfort is their number one priority as they pride themselves on being able to design individual treatment plans to suit every patient, mirroring Cornhusker Bank’s efforts to tailor plans to individuals and businesses through the creation of financial roadmaps to help customers meet their goals in life.
Luke Burgher, DDS and Molly Burgher, Office Manager of Burgher Family Dentistry, located at 7120 Stephanie Lane, Suite 100 in Lincoln, Nebraska lead Burgher Family Dentistry. Their team offers a complete range of dental health services, including traditional dentistry and cosmetic services and utilizes state of the art ceramic reconstruction and CAD/CAM technology for crowns.
Cornhusker Bank recently did a short Q&A with Burghers which follows:
Q: What brought you to banking with Cornhusker Bank and why do you continue to bank with us?
A: We decided to move to Cornhusker Bank for several reasons. Originally, we were able to get a great home loan working with Mike Barrett for the house we built. Then we built a new dental office and secured the financing for the building through Cornhusker Bank with David Shiffermiller. Both of these individuals were wonderful to work with. As time went on, we realized how many people we were already connected with who worked at Cornhusker Bank from our kids’ school, to church, to neighbors and others we met along the way. It is wonderful to walk in the bank and see the smiling face of an employee, and quite possibly one we already know. We stay at Cornhusker Bank because everyone is so easy to work with and they go above and beyond to help us achieve our goals.
Q: What types of products/services do you use at Cornhusker Bank?
A: To simplify our finances, we have moved all our home and business accounts over to Cornhusker Bank. This makes everything easy to manage. We also enjoy being able to send one email or make one phone call and have all our questions answered.
Q: How did you begin working with your Cornhusker Bank Relationship Manager, Matt Biggs and how do you feel about his service?
A: We originally started working with Matt Biggs at the advice of our accountant, Jim Watts. He told us Matt would be able to help us consolidate loans and lower the interest payment, and he was right. Matt was great and very easy to work with. He came out to our office to meet with us and he was able to answer all of our questions and get the loan set up quickly. Because of this, we are in a better place financially than we would have been without his help.
Q: How would you describe the customer service you have experienced from Cornhusker Bank?
A: Over the past 10 years of doing business with Cornhusker Bank, we have experienced wonderful customer service. We know they will always go above and beyond to help us. We also enjoy coming into the bank and while we are there, different bankers stop in to greet us and ask about our kids and how school is going. We discuss topics from football to kids moving into college and everything in between. It’s a small community that we appreciate being part of.
Q: What is most important to you in choosing a financial partner?
A: Finding the right financial partner has been really important to us. We were able to find bankers in every area that understood where we were at, the nature of our business, and our goals at Cornhusker Bank. They have worked with us every step of the way to achieve those goals and for that we are grateful.
Cornhusker Bank and Burgher Family Dentistry share values which have allowed them to find common ground upon which to build a trusting, valued relationship. One of Cornhusker Bank’s values is “Do Life Together”. That value in particular seems to be of major importance to Burgher Family Dentistry.
Akira Coffee and Cornhusker Bank
Akira Coffee Founder & CEO, David Sievers, was recently in the Cornhusker Bank Center closing on a business line of credit and talked to bank staff about his company. One of the things he noted when discussing how and why he chose to do business with Cornhusker Bank was the fact the bank is a locally owned, community bank.
Cornhusker Bank has a 116 year history as a community bank and offering customers our expertise in understanding and navigating the economic conditions here in Nebraska.
Some of the basic benefits of doing business locally to all residents of a community include:
- Local businesses are more likely to utilize other local businesses, keeping more money in the local economy, with $68 of every $100 dollars spent locally staying local.
- Local businesses help employ individuals from our community.
- Local businesses return more money to their community in donation and social causes.
- Local businesses get to know their customers and vice-versa, forming long relationships.
Mr. Sievers noted he and his staff are based locally, giving him the opportunity to “work in an area I care about and try to do a little more good in the world”. Akira Coffee Co sources products and uses local vendors whenever possible. Akira Coffee Co doesn’t sell coffee under its own brand. Instead, they partner with social media influencers to build their very own coffee brands. Akira Coffee has a commitment to high quality ingredients for its coffees and teas. One way they do this is by sourcing only specialty grade coffees from responsible, ethical, and sustainable sources. For more information about Akira Coffee Co go to http://www.akiracoffeeco.com
Following is a Q &A Cornhusker Bank conducted with David Sievers regarding his experience working with Cornhusker Bank to obtain a loan:
Q: What led you to choosing Cornhusker Bank for your business banking needs?
A: It’s important to me to bank locally within the community. Cornhusker Bank was recommended by my father, who specifically noted the Bank’s Chairman, John F. Dittman.
Q: What are your plans for the proceeds from this loan?
A: With this line of credit, we will be acquiring inventory in preparation for the launch of our newest coffee brand with one of the biggest social media influencers in the world. We needed capital to invest in product to have on hand because once we make our big announcement we have to be ready to serve our new customers.
Q: Why choose a commercial loan to accomplish this?
A: As I looked at my company’s capital structure, a line of credit was the perfect way to fund acquiring inventory that I know will sell within a few months. It’s much cheaper than using credit cards. Also since the inventory has a known rate of return, any capital I have that is meant to be invested in growth can stay available to me rather than being tied up in product sitting on the shelf.
Q: What type of experience did you have acquiring a loan?
A: It was a very pleasant experience. I outlined what I was looking to do and what my questions were. I got very straightforward answers to all my questions. The Bank’s staff is very easy to communicate with.
Cornhusker Bank remains the area’s oldest locally owned bank, demonstrating Nebraska values, stability, soundness, and investing in the success of customers, associates, and community.
A relationship is defined as “the way in which two or more people or groups regard and behave toward each other”. Knowing people on a personal level helps deepen the relationship and understanding of what a person or business really needs. One of the ways Cornhusker Bank deepens relationships is by taking time to develop financial roadmaps. Understanding a company’s roadmap, allows us to know what a business’s goals and expectations truly are. We believe in “doing life together” with those in our community. Cornhusker Bank’s relationship with Complete Hearing is typified by the same kind of values embraced by co-owners, Dr. Meghanne Wetta and Dr. Sandra Miller.
Complete Hearing, located at 4200 Pioneer Woods Drive, Lincoln, NE, states on the home page of their website that “The quality and success of our relationships are determined by our ability to communicate with the people in our lives.” It is easy to understand how important relationships are to the audiologists at Complete Hearing by previewing their website. The relationships they have with their patients involves serving them well by providing them the information and compassion to help them live strong lives through better hearing. Matthew Biggs, Cornhusker Bank Relationship Manager has worked with Complete Hearing for eight years and has developed a relationship that has helped provide their business with solutions for lifelong success.
Cornhusker Bank asked Dr. Wetta and Dr. Miller some questions about their relationship with Cornhusker Bank in efforts to better understand what matters to them. That Q & A follows:
Q What brought you to banking with Cornhusker Bank and why do you continue to bank with us? What aspect of your banking relationship with cornhusker Bank do you like?
A: Dr. Wetta noted her family had personally been banking with Cornhusker Bank because there were no charges for ATM withdrawals and that played a factor when she and Dr. Miller were looking for a bank for their practice. Dr. Wetta noted she continues to do business with Cornhusker Bank because of the personalized care she always receives and the timeliness of responses to any of her questions. Both added it is Cornhusker Bank’s support and communication that they like. “We can’t think of a time that our questions have not been answered!”
Q. What types of products/services do you use at Cornhusker Bank?
A. As our practice has grown, we have incorporated not just traditional checking accounts, but also ACH/ Bill Pay/ Business Deposits/ Online/ App usage. We also have had support through traditional loans. We enjoy partnering with Cornhusker Bank each spring for One Day Without Shoes benefitting the People City Mission. Being a drop off location for gently used and new shoes + participating in the walk is something we look forward to annually.
Q. What experiences have you had with your Customer Relationship Manager, Matt Biggs, and what do you think about your relationship with him?
A. “Our relationship is built on trust! He listens to us. When we ask multiple questions, he is willing to answer them, thoughtfully and thoroughly. He is authentic. When we ask him to take off his banker hat and give us his personal thoughts, they align with his professional advice. We value his expertise. As Adjunct Professors at UNL, we continue to ask Matt to be a guest speaker to our 3rd year doctoral students to share his banking knowledge.”
Q. How would you describe the customer service you have experienced from Cornhusker Bank?
A. “Amazing, Fantastic. On point. Thorough. Immediate. Helpful. Complete. They get it done!”
Q. What is most important to you in choosing a financial partner?
A. “No doubt, it’s trust, which is built with time, communication and consistency. We took a chance in the very beginning trying a new bank. We are so thankful we took initiative to leave a bank that was not returning calls or emails and found a place that takes great care of us.”
Q. Any specific experiences or other comments you would like to add?
A. “After reflecting on these questions, something has come to obvious light. Our values and mission at Complete Hearing include: Selfless service described as active listening, affirming, time, thorough and physically present. Selfless Staff described as dependable, willing, initiative, and open. Selfless Space described as intentional care, accessible, sincere, humor and collaboration. These three values not only sum how we approach Complete Hearing and our service to our employees, staff and community, but (we) would argue these could also be used to describe Cornhusker Bank as well! Our experience continues to be positive and we are thankful we work together!”
Cornhusker Bank is pleased to share our common values of “building positive relationships” and “doing life together” with Complete Hearing!
What is it?
Fraudsters target individual employees by directing the employees to update or confirm their payroll information via a fake payroll platform that spoofs their employer’s actual payroll platform. In some cases, the fraudster may claim the employee must do one of these: view a confidential email from human resources or the payroll department, view changes to the employees account, or confirm that the account should not be deleted. In any case, when the employee logs in from a link or attachment in the email, the fraudsters then use the stolen employee credentials to change payment information in the real payroll platform.
How it’s Done
Step 1 – Fraudster targets an employee by sending a phishing email that impersonates the employee’s human resources or payroll department, as well as the company’s payroll platform. The email directs the employee to log in to confirm or update payroll information, including bank account information.
Step 2 – Employee clicks the link or opens the attachment within the email and confirms or updates the payroll information.
Step 3 – The fraudster then uses the stolen login credentials to change payment information to an account controlled by the fraudster.
Avoid Being a Victim
Solid internal controls are key to guarding against these scams.
- Employers should alert employees to watch for phishing attacks and suspicious malware links.
- Employees should be directed to check the actual sender email address, rather than just looking at the subject line, to verify that the email came from their employer or payroll service provider.
- Employees should not reply to any suspicious email; instead have them forward the email to a company security contact.
- Employees should not enter their login credentials when clicking on a link or opening an attachment in an email.
- Employer self-service platforms should authenticate requests to change payment information using previously known contact information. For example, requiring users to enter a second password that is emailed to an existing email address, or to use a hard token code.
- Employer self-service platforms also should reauthenticate users accessing the system from unrecognized devices, using previously known contact information.
- Set up alerts on self-service platforms for administrators so that unusual activity may be caught before money is lost.
- Employers should consider validating employees’ new Direct Deposit information by sending ACH prenotification transactions.
Source: NACHA, Protecting against Fraud: How to spot and prevent fraud schemes.
If you have any questions please contact Treasury Management Officer, Scott Walters, at 402-323-8274 or scott.walters@CornhuskerBank.com.
Cornhusker Bank thanks the community for its support and involvement during its 9th annual One Day Without shoes event, which benefits the People’s City Mission. Although much of Nebraska spent the spring of 2019 being “Nebraska Strong” and donating for victims of the spring flooding, they still came out showing strong support for their own community by donating to One Day Without Shoes.
Approximately 31,000 pairs of shoes were donated this year, along with nearly $11,000 in cash donations to the Mission. Walkers from participating businesses and individual community members, along with many bank associates made the walk from the Cornhusker Bank Center location at 84th and O Street to the People’s City Mission Help Center at 68th and P Street on April 9th to help raise awareness of the Mission’s need for shoes.
Cornhusker Bank staff is proud to be doing life together with our community and thanks all who helped make a positive difference in our community by walking, donating shoes, donating funds, sorting shoes, or being a collection site. You are a driving force behind Cornhusker Bank’s continued desire and efforts to be “Committed to Your Success”.
This year marks the 9th annual Cornhusker Bank One Day Without Shoes event for the benefit of the People’s City Mission. In the history of the event Cornhusker Bank and organizations throughout the community that have partnered in the collection efforts have gathered over 132,000 pairs of shoes and cash donations for the mission to buy new footwear of over $68,000.
Over 130 locations throughout the community are partnering with the bank for this year’s shoe campaign and will be serving as collection sites for new, used, adult, and children’s shoes from April 1 through April 12, 2019. According to Barry Lockard, Cornhusker Bank President/CEO, “The One Day Without shoes event has been phenomenally successful in giving bank associates and the community at large the opportunity to have a shared purpose which helps enhance our community and helps improve well-being of lives of individuals within it.”
New or used shoes of all sizes will be collected at participating businesses throughout the community, including all Cornhusker Bank locations from April 1, 2019 through April 12, 2019. On Saturday, April 6th, Cornhusker Bank will also have a FREE shred day at the 8310 O Street location only. This provides the community a terrific opportunity to dispose of their unwanted paper documents in a safe manner while they can also drop off any shoes they would like to donate.
Cornhusker Bank invites the community to join bank associates and representatives of businesses which are collecting shoes, as we host a press conference on Tuesday, April 9th, 2019 at 10:45 a.m. with the People’s City Mission at Cornhusker Bank Center, 8310 O Street in Lincoln. The press conference will include information about the impact of the event on the Mission and the community. Everyone is also invited to join the walk immediately following the press conference from the Bank to the Mission’s Help Center at 68th and P Street, to help raise awareness of the need for adequate footwear in our community. A free lunch will also be served at the Cornhusker Bank Center from 11:00 am to 1 pm on April 9th.
Cornhusker Bank and subsidiary, Lincoln First Realty, joined forces for our associates to donate goods for Fremont area flood victims which will be delivered later this week and distributed by Fremont area churches. Cornhusker Bank found great information for flood recovery resources in this link to Governor Ricketts website: https://governor.nebraska.gov/press/nebraska%E2%80%99s-strong-communities. Cornhusker Bank will continue to seek ways to help keep our Nebraska communities strong!