The Fraud Squad Has Your Back

Your security is our top priority at Farmers & Merchants Bank. That’s why we created The Fraud Squad, a special team dedicated to helping you recognize, report, and respond to fraud with confidence.

Whether you’ve spotted some suspicious activity, received a message that seems off, or just want to know what to do next, The Fraud Squad is here to support you every step of the way while keeping your finances safe.

Remember, anyone can fall victim to fraud. Staying informed and vigilant is one of the best ways to protect yourself and your accounts.

Common Types of Fraud Affecting Bank Customers

Understanding these common scams can help you spot red flags early and act quickly:

Credit Card and Debit Card Fraud
The unauthorized use of a credit or debit card to fraudulently obtain money, goods, or services.

Identity Theft
Occurs when someone steals your personal or financial information and uses it to commit fraud or other crimes.

Elder Financial Fraud
Scams that often target older adults, including romance scams, lottery scams, sweepstakes fraud, and impersonation schemes.

Internet and Online Banking Fraud
The use of emails, websites, social media, or online services to deceive victims or gain access to accounts or sensitive information.

Source: FBI – Common Scams and Crimes

How to Recognize Phishing Messages and Other Scam Attempts

Phishing is one of the most common scams, often appearing as a legitimate email, text, or call. Keep an eye out for:

• Emails or texts claiming to be from banks, retailers, medical providers, or phone companies that ask for personal or account information.
• Urgent messages demanding immediate action or threatening account closure.
• Pop-ups or ads claiming your device or account has been compromised.
• Phone calls or voicemails impersonating customer support, financial institutions, or well-known companies.
• Fake giveaways, prize notifications, or gift card offers.
• Unwanted calendar invitations or unfamiliar subscription alerts.

Apple users: Suspicious emails or SMS messages that appear to come from Apple can be forwarded to reportphishing@apple.com.

Advice from the FMB Fraud Squad

If it sounds too good to be true, it probably is! Scammers often use pressure, urgency, or excitement to push people into quick decisions. Take a moment to pause, verify the source, and contact us directly if something doesn’t feel right.

The best way to prevent fraud is to know what to look for and when to ask for help.

More Fraud Prevention Resources from Farmers & Merchants Bank

Learn more about protecting yourself and your accounts:

• Your guide to navigating fraud (and how to prevent it)
• 7 steps to help prevent fraud
• A debit card fraud prevention toolkit

Contact the Fraud Squad

Our Squad has two main goals. The first is to protect our loyal customers, and the second is to stop fraud in its tracks. We’re here for you! Call us at 402-761-7600 as soon as you suspect fraud or visit your nearest branch.