Bank of Ann Arbor Routing Number: 072413735 Bank of Ann Arbor SWIFT BIC: ANNAUS33 Bank of Ann Arbor NMLS ID: 718852
We're committed to helping you afford the home of your dreams. Our loan officers will work tirelessly to provide the financing option that best meets your needs.
The right checking for your everyday money and savings options for your long-term goals. With easy-to-use online tools and mobile apps too.
You need to devote your energies to the health and growth of your business. We'll help with the financial resources and tools to fuel it.
You work hard to accumulate wealth for your family's needs. We'll help you with retirement and sharing it with loved ones or a favorite charity.
Our mission is helping our communities thrive through our time, effort, financial resources, and making our customers our top priority.
Please read the latest warnings on fraudulent and suspicious activities below. For immediate alerts and text messages, follow us on Twitter at http://twitter.com/bankofannarbor.
If you need tech help with your computer, where do you go? Most of us probably search online. But your online search can lead you straight to scammers who scare you into
thinking your computer is in dire need of repair...and then sell you costly security software that you don't need.
Sheriff Clayton and the Washtenaw County Sheriff's Office would like to remind you to be aware of potential IRS Phone Scams and to be prepared.
Now that taxes have been filed and many are awaiting a refund or paying off a tax bill, IRS imposters may attempt to take advantage. Criminals are looking for ways to steal your money or your identity. Don't fall victim to an IRS scam.
Your first contact with the IRS will not be an unexpected call from an IRS agent but through official correspondence sent through the mail. A red flag for IRS scams are threatening, angry calls from people who say they are from the IRS or your local police agency and they demand immediate payment.
Please know that the Sheriff's Office does not make calls on behalf of the IRS and that these calls are scams. Even if the caller ID shows as the Washtenaw County Sheriff's Office, remember we do not call on behalf of the IRS.
The IRS WILL NOT:
Also beware of scammers calling under the guise of verifying your tax return information over the phone. Scam artists call saying they have your tax return, and they just need to verify a few details to process your return. The scam tries to get you to give up personal information such as a Social Security number or personal financial information.
There are numerous variations of scams out there so remember, if someone calls asking for or demanding personal financial information or payment over the phone beware.
If you receive a phone call or voicemail from someone claiming to be from the IRS, here's what you should do:
"An educated and engaged community is our best partner" - Sheriff Jerry L. Clayton
Still getting calls from people claiming to be from Medicare, asking for money or personal information? Watch this video about how you can protect yourself from Medicare scams.
You've probably gotten one of these calls: They say it's the IRS and they'e filing a lawsuit against you for back taxes. They may threaten to arrest or deport you. What do you do?
Tax identity theft happens when someone uses your Social Security number (SSN) to get a tax refund or a job.
Probably not. At least, not from the real SSA. But how many of you have gotten calls from someone who said they were the Social Security Administration? And maybe showed the real SSA phone number (1-800-772-1213) or a number close to it on your caller ID? Lots, right?
Learn more at the FTC
It's Valentine's Day and love is in the air. You may think you spend a lot on flowers or chocolate, but losing money in a romance scam would cost you even more.
Weve been warning you about scammers asking you to pay with gift cards or by wiring money. Scammers love getting you to pay that way because they can get your money fast and disappear. It's almost as good as getting you to send cold, hard cash. Which must have occurred to them, too, because some scammers are now going low-tech and asking people to send cash in the mail. Sometimes they even tell people to divide the cash between pages of a magazine.
Go to the FTC to learn more
We were advised by a customer that a popup appeared on her computer appearing to be an urgent message from Bank of Ann Arbor regarding a security breach. Bank of Ann Arbor did not send this message and we strongly recommend that you do NOT click on the link in the message. We would never use a popup to send this kind of information. We believe the popup is the work of a fraudster who was able to track the websites you visited.
If you are in doubt regarding whether information that you received truly came from Bank of Ann Arbor, you can contact us at 734-662-1600.
Like so many entrepreneurs, you're busy running your business all day long. So when someone calls and says they just want to confirm an order for office supplies, you may oblige without thinking twice about whether that caller is really a scammer.
A few days later, you get a delivery of products you didn't order -- and a big bill. They hope you'll pay without noticing that you never ordered the merchandise. If you don't pay, they may make harassing calls demanding payment. The scammers might even lie about your earlier phone conversation, claiming that it's proof of your order.
How can you avoid falling for a scam like this? Verify your invoices. Don't pay an invoice unless you've confirmed that someone placed the order.
Learn about common scams that target small businesses, the tactics scammers use, and what steps you can take to protect your business from scams. Click to read Scams and Your Small Business: A Guide for Business.
National Cybersecurity Awareness Month is here to remind us how to stay safe and secure from real threats - malware and scammers.
Here are $15 million reasons why you should read this link.
New Medicare cards are coming soon. Here's what you need to know about your new card. Plus, how to avoid related scams.
Enrollment for this free program offered by Equifax ends January 31 and is open to all residents.
LANSING - Michigan Attorney General Bill Schuette is today reminding Michigan residents that the deadline is approaching to enroll in Equifax's free one-year TrustedID Premiere program that offers credit file monitoring and identity theft protection. The program was created in response to the 2017 Equifax security breach. he deadline for residents who want to enroll in the program is January 31, 2018. This program is free and available to anyone with a valid U.S. social security number, even those not impacted by the Equifax security breach.
"The aftermath of this security breach is still affecting Michigan residents, which is why my Consumer Protection Division has been working to educate the public on protective prevention measures," Schuette said. "No one should have to wonder what they can do to help protect themselves from identity theft, which is why I remind Michigan residents that time is limited to sign up for this free service."
In early October, Equifax announced that 2.5 million more consumers were impacted by the breach than originally thought, including almost 80,000 additional Michigan residents. In Michigan, the breach has now impacted the personal information of more than 4.6 million consumers. Complaints to the Department of Attorney General are significant, and the number continues to grow. Currently, more than 900 complaints have been filed.
Equifax promised to update its website so consumers can check if they are in the newly discovered group. If you checked your status with Equifax before October 8 and were not impacted, it is important to check again to ensure that status has not changed and to take appropriate steps to protect your information if it has.
Credit Freeze; Fraud Alert; and Credit Monitoring Alert
The consumer alert offers Michigan residents information on how to protect themselves from identity theft in the wake of a security breach. In addition to educating Michigan consumers about the basics of fraud alerts, credit freezes, and credit monitoring, the alert answers some of the frequently asked questions about these measures, including the following:
Letter from State Attorneys General
Schuette joined other state Attorneys General in issuing a letter demanding Equifax reimburse the cost associated with a credit freeze for affected individuals.
How to check if your information was breached
Go to Equifax's Cybersecurity Incident & Important Consumer Information website to see if your information has been impacted.
You can also read Equifax's FAQ for Consumers Notice of Data Breach to keep up on the latest announcements from Equifax
Nothing puts a damper on the holidays like unwanted calls interrupting your day.
Maybe you've gotten one - you answer the phone and hear a recorded message instead of a live person. Internet-powered phone systems have made it cheap and easy for scammers to make illegal sales robocalls from anywhere in the world.
Fortunately, you have some options to block robocalls and other unwanted calls. Some are free and others cost money.
As part of National Tax Security Awareness Week-November 27 to December 1-the Internal Revenue Service (IRS) is releasing daily security tips to help taxpayers protect their data and identities against tax-related identity theft.
Scammers are using fake caller ID information to trick you into thinking they're someone who can be trusted. The practice is called caller ID spoofing, and scammers can fake anyone's phone number.
Today, we got reports that scammers are spoofing the FTC's Consumer Response Center's phone number (877-382-4357). But don't let that stop you from reporting scammers - it's still safe to call the Consumer Response Center, and it's also safe to report scammers online.
If you've submitted a report or request to the FTC's Consumer Response Center, the FTC might call you for additional information. But we won't call you from 877-382-4357. And the FTC will never ask for money or for sensitive information such as your Social Security number, date of birth, or bank account information.
Scammers are constantly picking new phone numbers to spoof. Here are a few tips for staying ahead of scammers and their unexpected calls:
Here at the Bank of Ann Arbor, we're proactively protecting your accounts with multi-layered security. One layer is our very own Fraud Analyst, Matt Weber. His job is to protect your accounts against fraudulent logins and transfers. If you have any questions or concerns, please feel free to contact him at email@example.com or (734) 761-8476 and he'll help you out.
With the scope and breadth of this breach, we wanted to let you know how you can protect your identity. The Federal Trade Commission (FTC) provides three different ways for this:
Here are the numbers for the three credit reporting bureaus:
Read this PDF about Social Engineering Red Flags.
Find out more about these scams from the FDIC.
Think you got an email from a business you know? Scammers sometimes use emails that look legit to trick you into sending money to them. Find out more about fake email scams from the FTC.
Find out more about this scam from the FTC.
You've got meals to plan and gifts to buy. The last thing you need is to lose money to a scam. Here are three ways to avoid giving your hard-earned money to a scammer this holiday season.
Steps you can take to minimize the risks associated with doing business online, surfing the Internet, and sharing information on social media sites.
During National Cyber Security Awareness Month, the FBI and its partners encourage everyone to reflect on the universe of cyber threats and on doing your part to secure your own devices,
networks, and data. Details
Click here to learn what it is and what you can do about it..
There are several great ways to share NCPW or your own event with your community:
The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of injury or death from thousands of types of consumer
products under the agency's jurisdiction. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or
mechanical hazard. The CPSC's work to ensure the safety of consumer products â€“ such as toys, cribs, power tools, cigarette lighters, and household
chemicals - contributed significantly to the decline in the rate of deaths and injuries associated with consumer products over the past 30 years. Report incidents
involving consumer products to CPSC or search for incidents at our new public database, www.saferproducts.gov.
The National Cyber Security Alliance is a public-private non-profit. Our mission is to educate and therefore empower a digital society to use the Internet safely and securely at home, work, and school, protecting the technology individuals use, the networks they connect to, and our shared digital assets.
The Michigan Attorney General is the chief law enforcement officer for the State of Michigan. We protect Michigan families from unfair financial practices through
our enforcement authority in the areas of consumer protection, antitrust, corporate oversight, charitable organizations, and health care fraud. We offer services
to protect the most vulnerable citizens among us, including children, the elderly, victims of crime and those who are preyed upon by greed in its many forms: unfair,
illegal or shady business practices, criminal conduct, abuse of power and public corruption. We identify parents who have the ability to pay support to their children
but refuse to do so. Through child support prosecution and collection actions weâ€™ve collected over $180 million, directly impacting the lives of over 13,800
children. We also offer special programming that trains citizens to spot fraud and scams, and we teach children how to be safe online and respond appropriately to
bullying. OK2SAY, our new student safety program, is saving lives and making a difference for students across the state.
Concerned about data breaches and identity theft? Living on your own for the first time and thinking about budgeting, credit, renting an apartment or buying a car? Were you the victim of a scam? Misled by false advertising claims? Or do you just want to get smarter about products and services you're considering?
Click here to learn more about National Consumer Protection Week.
There are multiple versions of this scam, but the most prevalent reported by residents is where they receive a call from a number that shows the "Washtenaw County
Sheriff's Office" on the caller I.D. Once answered the person pretends to be a Sheriff's Office deputy and claims that the resident is past due on their taxes. The
resident is asked for personal information and asked to pay their overdue taxes via the phone. If they refuse to give the information or make a payment residents are
threatened that a deputy will be sent to their home.
Click here to learn more about these IRS scam calls from the Washtenaw County Sheriff's Office.
There are a number of scams asking you to deposit or cash checks that have been sent, and send proceeds to the sender or other third party. These checks are usually fraudulent. Please contact law enforcement in your area if you receive an unexpected check and do not negotiate.
IdentityTheft.gov is the federal government's one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process.
The Fiscal Service and the Internal Revenue Service (IRS) have been working collaboratively to increase direct deposit for the upcoming 2016 tax filing season. Click here to download a PDF article.
The Internal Revenue Service has created a list of tax scams with a warning to taxpayers about aggressive telephone scams continuing coast-to-coast during the early weeks of this year's filing season. Read more about "Dirty Dozen" Tax Scams here.
Click here to learn more at IdentityTheft.gov.
Town Hall Meeting including Lou Morse, Financial Literacy Expert with Bank of Ann Arbor. Click here for a PDF download.
by Aditi Jhaveri
Consumer Education Specialist, FTC
Pop quiz: If someone calls you asking for your bank account number, should you give it to them?
Answer: Never. Hang up - it's a scam.
We've heard about different kinds of imposter scams on the rise. In one scenario, scammers call, pretending to work for Medicare. They say they need to verify your bank account number - and it might sound convincing. In truth, it's a trick to steal your money.
Learn more about Medicare imposters here.
Click here for some best practices that you can follow to protect your tax and financial information.
Click here to learn more about scams that target older people.
The theft of your identity, especially personal information such as your name, Social Security number, address and children's names, can be traumatic and
frustrating. In this online era, it's important to always be on guard.
Click here to visit the IRS website and find out more about identity protection.
"Update your account now." "You just won a cruise!" "The IRS has a refund waiting for you."
Learn what you can do with this information from the IRS, state revenue departments and the tax industry.
BONUS TIP: Never use an insecure public Wi-Fi to shop with your credit card. Only shop with a secure connection at home.
Whenever someone asks for your bank account number or your Medicare number, stop. Only give personal or financial information when you have verified who you're talking to. Call 1-800-MEDICARE to make sure you're talking to a legitimate representative.
Visit the IRS website to learn more about Medicare "Open Enrollment" scams.
Visit the IRS website to learn more about scam phone calls.
Visit the FTC website to learn more about filing complaints with the National Do Not Call Registry
Visit the ICBA website to learn more about these tips.
Rachel and her cohorts - Anne, Tiffany, Michael, Heather and others - from "Card Services" have been annoying people for years with their illegal robocalls. And the FTC is working hard to stop them - both bringing cases and hosting competitions to develop robocall-blocking technology. So, what's the deal with these calls, and why won't they stop? We've got answers to your top 3 questions.
Visit the FTC website to learn more about "Rachel from Card Services".
Visit the US-CERT website to learn more about avoiding social engineering and phishing attacks
Read the lead article here to learn more. The article will be the first one listed among a list of other security articles you may be interested in.
Click here to visit the IC3 website to learn more about this telephone tech support scam
Click here to visit the FBI website to learn more about this cyber crime purchase order scam.
Security is Everyone's Responsibility.
Click here to visit the FBI website to learn more about National Cyber Security Awareness Month.
The FDIC has created this
webpage to inform and warn consumers about a type of fraud called "phishing." The term "phishing" -
as in fishing for confidential information - refers to a scam that encompasses fraudulently obtaining and using an individual's
personal or financial information.
Click here to visit the FDIC website and read how it works.
Bank of Ann Arbor has confirmed that all of our online banking systems have been tested and are not vulnerable to the security
vulnerability called "Heartbleed." You may continue to use them with confidence. You are always welcome to change your
password which would add an additional layer of protection. If you would like to learn more about this security issue, visit a
website, Heartbleed.com that has been set up by one of the firms who
discovered the bug.
Email claiming to be from the "Energy Billing System" that your latest bill is available online and can be viewed with just one
click. Of course the amount is sky-high so they want you to prevent a negative consequence.
Phishing email supposedly from Microsoft and you need to click a one-time automatic verification so that your account will not be
suspended. STOP - LOOK - THINK before you click.
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