Please be aware for fraudulent attempts to steal your personal information 



Special Alert Regarding Fraudulent Telephone Calls Circulating Through the Area 

We have been alerted to the fact that there is some clown calling area residents claiming to be from a local bank and advising them that their Visa Debit Card / Credit Card is temporarily inactive and being used for fraudulent activity.  Instructions are then given by the caller to provide the card number and other personal information over the telephone (presumably to reactivate it or investigate the alleged fraud).  Calls of this nature should be immediately dismissed by you and be considered a fraud.  Please do NOT give any of your personal information such as card numbers, Personal Identification Numbers, or codes found on the back panel of your card to anybody over the telephone that makes such claims.  If legitimate fraud is suspected on your Visa Debit Card, and First National Bank of McHenry needs to contact you regarding it, we will already have this information and will not ask you to provide it over the telephone.  If, in the event, you already received such a call and unknowingly provided personal information, please contact us so we may take steps to secure your account information.

Fraudulent Telephone Calls Continue to Circulate Through the Area

Please be wary of automated telephone calls which may require you to verify or provide your Visa Check Card Number, expiration date, or codes on the signature panel of your card.  These calls are fraudulent and exist for the sole purpose of trying to steal your personal information.  Legitimate calls from the First National Bank of McHenry will never ask for any personal information. 

***  Fraudulent eMail from the FDIC  *** 

The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of fraudulent emails that have the appearance of being from the FDIC.

The emails appear to be sent from various "" email addresses, such as "," "," or ""

The messages have various subject lines that read: "Update for your banking account" or "ACH and Wire transfers disabled," and "Banking security update."

The fraudulent emails are addressed to "Dear clients" and state "Your account ACH and Wire transactions have been temporarily suspended for your Security, due to the expiration of your security version. To download and install the newest Updates, follow this .  As soon as it is set up, your transaction abilities will be fully restored."

The message concludes with, "Best regards, Online security department, Federal Deposit Insurance Corporation."

These emails and links are fraudulent and were not sent by the FDIC. Recipients should consider the intent of these e-mails as an attempt to collect personal or confidential information, or to load malicious software onto end users' computers. Recipients should NOT access the link provided within the body of the emails and should NOT, under any circumstances, provide any personal financial information through this media.

Financial institutions and consumers should be aware that other subject lines and modifications to the e-mails may occur over time. The FDIC does not directly contact consumers in this manner nor does the FDIC request personal financial information from consumers.

E-Mail, Your Private Information, and Phishing

We have been notified of a recent scam in which customers and non-customers of First National Bank of McHenry are being sent an email asking to update their personal information via a link that will take the user to a site that is not The First National Bank of McHenry's site.

Please be advised that First National Bank of McHenry will never send you an email or call you to ask for your personal information. If you receive an email or phone call asking you to provide personal and/or sensitive information, do not click on any link, do not give out any information to the caller and do not send the information. Even if the website, phone call and/or email appear genuine ... Do NOT continue.

If you have any questions please contact us at 815.385.5400.

What If You Are A Victim?

If you think you are a victim of an Internet fraud, an Internet scam, or Identity Theft, here are some things you can do:

  • Contact the fraud departments of any one of the three major credit bureaus to check your credit report and place a fraud alert on your credit file.  They are:

Equifax 1.800.525.6285

Experian 1.888.397.3742

TransUnion 1.800.680.7289

  • Close the accounts and/or credit cards that you know or believe have been tampered with or opened fraudulently.
  • File a police report and get a copy of the report. Your creditors and others may require a copy of the report to assist you.
  • File a complaint with the Federal Trade Commission and file a complaint . The FTC maintains a database of identity theft cases used by law enforcement agencies.
  • Contact the Social Security Administration if you believe your Social Security Number has been compromised.
  • Review all billing and bank statements for errors and unknown transactions.
  • Document all activity to include everyone you contact and who has contacted you. Make copies of all correspondence sent and received.