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09.08.2020

Safely navigate the fraud jungle by understanding the various ways fraudsters try to obtain your personal and debit card information.

The more you know, the more you can guard yourself against fraud. Follow these tips and guidelines for preventing fraud.

Personal information

Phishing is a scam in which fraudsters pose as legitimate businesses to trick you into divulging your Social Security number, account numbers, passwords, or other sensitive personal data.

No legitimate business will request this type of information. Don’t give out your personal information.

Card safety

Debit cards are accepted virtually everywhere you use cash and many places where checks aren’t accepted.

  • Use your PIN whenever possible for an extra layer of protection.
  • Set up fraud alerts through online banking and mobile apps.
  • Review financial accounts and monthly statements.
  • Sign your card on the signature panel.
  • Report lost or stolen debit cards immediately to your financial institution.

ATM security

Be vigilant at ATMs. If something seems suspicious, contact your financial institution.      

  • Cover the PIN pad with your hand while entering your PIN.
  • Use familiar ATMs in well-lit areas.
  • Watch for shoulder surfing — a camera positioned to obtain your card number. This may look like a small hole drilled above the keypad.
  • Look for skimmers placed over the ATM card slot.
  • Do not use the ATM if the card slot or keypad looks suspicious.

Online shopping

When shopping online, be aware of ways to avoid undue risk and keep your personal information free from fraud.

  • Shop with trusted brands. Look for the green padlock icon and HTTPS:// to ensure you’re on a secure website.
  • Never give private information, such as your Social Security number, passwords, or birthdate, to anyone online.
  • Create strong passwords with more than eight characters, an uppercase letter, and at least one number or special character.
  • Use and update firewall software to protect your computer's information.
  • Avoid free or special product offers — these are usually too good to be true.

If you suspect identity theft or fraud, call CNB Bank & Trust, N.A. immediately.



09.01.2020

When you least expect it, fraud can happen to you.

CNB Bank & Trust, N.A. has tips and resources to empower you in the fight against fraud. And the more you understand about fraud, the better prepared you are to help us fight fraud and keep your financial accounts safe. 

Easy ways to protect yourself.

We recommend the following tips to protect yourself and your financial information from fraud:

  • Use and update firewall software to protect your computer information.
  • Password protect your financial accounts. A strong password contains:
    • More than eight characters
    • A capital letter
    • At least one numeric number or non-alphabetical character
  • Never provide or confirm personal information such as card numbers, social security numbers, information on the card or your PIN unless you know who you’re dealing with or initiated the contact.
  • Store sensitive documents in a secure place.
  • Shred sensitive materials before disposal. 

Keep your eyes open for fraud.

It’s important to monitor your financial information and keep your eyes open for fraud. These simple steps can make a big difference in the security of your financial information. 

You’re entitled to one free credit report a year. Use your credit report to monitor:

  • Your identification
  • Unfamiliar accounts or charges
  • Suspicious activity 

Watch your bank account and monthly statements closely and know your billing cycles. 

Be vigilant at ATMs. If something seems suspicious contact your financial institution.

  • Cover the pin-pad with your hand while entering a PIN.
  • Use familiar ATMs in well-lit areas.
  • Watch for shoulder surfing — a camera positioned to obtain your card number.
  • Look for skimmers placed over the ATM card slot. 

Necessary steps to take if you detect fraud.

If you suspect fraud, contact CNB Bank & Trust, N.A., and the SHAZAM Fraud Department immediately. Then, follow these steps to get your life back on track: 

  • Place a fraud alert on your credit reports.
    • When you place an alert on your credit, this will prevent any other accounts from being opened.
    • You can request a report to see if any charges seem suspicious.
  • Close your CNB Bank & Trust, N.A. accounts you think could be affected.
    • Follow-up in writing with copies of any supporting documents.
    • Ask us for the correct paperwork to dispute existing debits on your accounts, or any newly opened accounts.
  • File a complaint with the Federal Trade Commission (FTC) at 877.438.4338 or ftc.gov/idtheft
    • When you file with the FTC, you’re providing information to help law enforcement officials track down thieves.
    • Print your ID theft affidavit from the FTC and take it to the local police
  • File a report with the local police.
    • Filing a police report, along with a complaint to the FTC, can add safeguards to ensure your identity can be protected and restored.

Other important numbers and websites include:

SHAZAM

Lost or stolen card 800.383.8000

SHAZAM Fraud 866.508.2693

shazam.net


U.S. foreign travel information

888.407.4747

travel.state.gov


Federal Trade Commission

877.438.4338

ftc.gov/idtheft


Annual Credit Report

annualcreditreport.com


Equifax

Place an alert 800.525.6285

800.685.1111

equifax.com 


Experian

888.397.3742

experian.com


Trans Union

800.916.8800

transunion.com

Fraud can happen when you least expect it. Stay alert and be attentive. Contact CNB Bank & Trust, N.A. for other ways you can be proactive and keep your financial accounts safe.


08.24.2020

Defend yourself against internet scams!

Digital thieves are lying in wait to scam money from you. They send you an email with a plea for help or a promise to earn a lot of money if you pay some simple fees. Beat them at their own game by understanding their top scams.

These scams sometimes play on your emotions and your desire to help people who are less fortunate. Fraudsters will send you an email from what seems like a legitimate business, ask for personal information, and then use it to steal from you. Sometimes they say you need to pay more taxes. Sometimes they pretend to be a kidnapper, saying you need to send money to keep everyone safe. They may even promise you a high-limit, preapproved credit card if you pay processing fees.

Use caution with these types of emails. If an offer seems too good or bad to be true, it probably is.


08.19.2020




Do you know that tiny chip that was added to your debit card a few years ago? That little chip has helped reduce fraud due to counterfeit cards by 70% in just two years. But, many ATMs and fuel pumps haven’t converted to the chip technology yet making them prime targets for fraudsters who want to steal your info.

Keep yourself and your card data protected while you’re at the ATM or fuel pump with these simple STEPS:

Set online and mobile banking fraud alerts.

Tug the card reader. Is it loose?

Examine your surroundings.

Protect your PIN; cover it with your hand.

Scan for security tape seal on the pump.

Here are some additional pieces of information that will help keep you safe:

ATM safety

  • Use an ATM in a well-lit area

Prior to inserting your card:

  • Wiggle the card reader. If you notice something suspicious call 911.
  • Cover the PIN pad with your hand when entering your PIN to guard against hidden cameras.

Fuel pump safety

  • Use a pump closest to and facing the store.

Prior to inserting your card:

  • Wiggle the card reader. If you notice something suspicious call 911.
  • Check that security seal tape is intact. If the seal is broke, let the store know and pay inside.
  • Cover the PIN pad with your hand when entering your PIN to guard against hidden cameras.

Set security alerts for added safety and contact CNB Bank & Trust, N.A. whenever you have questions about your accounts or your financial safety.

  • Set your online and mobile banking fraud security alerts.
  • Closely monitor your accounts and call your financial institution if you suspect fraud.

06.22.2020

CNB BANK & TRUST, N.A. Stepping up for Small Businesses with PPP Funding

For months now, every facet of “normal” life has been upended by COVID-19. Where and how we work, learn, shop, socialize and even bank have all been affected. Yet, the bright spot amid this sea of change has been America’s enduring spirit as friends and neighbors work together to stay safe, remain connected, and support one another.

A great example of coming together for the greater good is how the nation’s 5,000 community banks rallied around small businesses, which account for roughly 48 percent of the U.S. workforce and serve as the backbone of our nation’s economy.

When stay-at-home orders forced millions of small businesses to curtail or close their operations, community banks like CNB stepped in to lend support.

So when the Small Business Administration (SBA) turned on the spigot for its Paycheck Protection Program (PPP)—which backstops emergency small-business loans from financial institutions to help cover payroll and related costs CNB mobilized every available resource at our disposal to process these loans.

We could not be prouder of our staff, many of whom worked nights and weekends or assumed new roles to get the job done and ensure critical funds were delivered to those who needed it most. In just 11 weeks we processed 888 loans totaling more than $78,000,000, within our Central Illinois, Chicago and St. Louis branch areas. To provide a bit of context, the loan volume for new commercial loan accounts represents 65% percent of what was processed and closed in 2019.

FDIC Chairman Jelena McWilliams recently referred to community banks as “the small engines that could and did and delivered big,” and the numbers certainly seem to support that description. According to the SBA summary of loan approvals through June 6, lenders with less than $50 billion in assets have accounted for more than 65 percent of the 4.5 million approved PPP loans and more than 63 percent of the $511 billion in funds approved since the program's launch. Nationwide, community banks have received hundreds of loan applications through the program ranging in size from less than $50,000 to more than $500,000, according to a recent ICBA survey.

So, as restrictions lift and you venture out to your favorite bakery, barbershop or boutique, you will be met with “open for business” signs and familiar faces waiting to service you.

Even before the PPP launched, we’d begun offering our small businesses options for modifications of loan terms, payment deferrals for up to six months, and adjustments to the rate and term to create lower payments. And we continue to seek ways to contribute to our economy and support local businesses.

Additionally, when funds were allocated for the member and associate member institutions of the Federal Home Loan Bank of Chicago (FHLBC), CNB Bank & Trust applied for and received a $20,000 grant from FHLBC, and decided to match the $20,000 grant with $20,000 of our own money. In total, $40,000 was donated to food shelters in the 17 branch communities the bank serves, with each food shelter receiving at least $2,000. The grant offer, along with matching funds, emphasizes the consistent support that CNB offers to customers, local businesses and communities.

When times are tough you can depend on us, your trusted local community bank. Because at CNB BANK & TRUST relationships are priority one. We consider it our privilege and duty to ensure the financial health and welfare of this community.

The customers and communities we serve are the driving forces behind all that we do. So, we will continue to do what is right for all who call Central Illinois, St. Louis and Chicago home, including the many beloved local small businesses that help keep our Main Streets thriving.


05.06.2020

CNB Supporting Local Businesses During COVID-19 Pandemic

CNB Bank & Trust, N.A. has been helping small and local businesses during this unprecedented time. As part of the C.A.R.E.S. Act, the Small Business Administration (SBA) launched the Paycheck Protection Program (PPP) allowing small businesses to apply for a special loan that helps keep their workforce employed during the COVID-19 crisis. To date, CNB has processed 836 loans totaling more than $75 million for small businesses within its communities.

In addition to helping local businesses with the PPP loan, each CNB Bank & Trust branch is helping the Bank’s communities in other meaningful ways.

Support Small Businesses and Nonprofit Organizations with COVID-19 Relief Grant Program
Funds have been allocated for the member and associate member institutions of the Federal Home Loan Bank of Chicago (FHLBC), to receive up to $20,000 in COVID-19 Relief Grants. CNB Bank & Trust applied for and received the $20,000 grant from FHLBC, and decided to match the $20,000 grant with $20,000 of its own money. In total, $40,000 will be donated to food shelters in the 17 branch communities the bank now serves, with each food shelter receiving at least $2,000.

The grant offer, along with matching funds, emphasizes the consistent support that CNB offers to customers, local businesses and communities. Tony Heitzig, a Regional President at CNB, commented: “CNB Bank & Trust is always happy to give back to the communities we serve.  We are fortunate to have the means available to help make a difference in the lives of those most in need during these uncertain times.”

CNB’s Regional President, Gary Graham, shared his experience regarding this unique opportunity: “CNB Bank & Trust is happy to partner with the Federal Home Loan bank of Chicago and give back to each of our communities by helping those hardest hit by the corona virus.”

The Bank is thrilled to be able to apply for and be awarded this grant, that will assist its communities during this most difficult time. Dan Walsh, Regional President of CNB’s Chicago area branches stated: “CNB Bank is proud to contribute to local food banks during these very trying times.”

The mission of the Federal Home Loan Bank of Chicago is to provide competitively priced funding to its member institutions, in support of community-based investment activities. Active in Illinois and Wisconsin, FHLBC is one of the eleven Federal Home Loan Banks in the nation that was chartered by Congress to promote homeownership.

The roots of CNB Bank & Trust, N.A. were firmly planted in 1854, and its dedication to customers, local businesses and communities has experienced strong and steady growth over the course of many decades. With branches in 17 communities, spanning from Central Illinois to Chicago and St. Louis, Missouri, CNB continues to support the communities it serves, by offering innovative products, excellence in customer service and financial assistance to its communities. Recently, in response to the pandemic, the Bank has offered SBA assistance loans, skip-a-pay on existing loans, loan modifications and rate adjustments on loans.

CNB Bank & Trust has 19 locations to serve its customers: Alton; Brighton; Carlinville; Carrollton; Chapin; Clayton, MO; Hillsboro; Jacksonville (3); Jerseyville; Litchfield; Oak Forest; Palos Heights; Pittsfield; Shipman; Taylorville; Tinley Park; and Virden. In addition to a wide variety of traditional banking services, CNB also offers farm management, investment, and trust services. For more information about CNB and its unique community-centered approach to banking, visit www.cnbil.com.


04.28.2020

Updates from CNB

Keeping you informed.
PPP / SBA Loan information

As CNB works to keep you informed of the latest information regarding financial assistance programs related to the COVID-19 pandemic, we frequently work with our reliable partners in order to provide you the best sources possible to guide you through these unprecedented times. Included below are references to helpful links to ICBA (Independent Community Bankers of America) and to the Treasury website, where you will find further guidance and resources related to loan programs. Additional links are listed for easy reference.

ICBA's COVID-19 resource center

Treasury’s PPP webpage

State of Illinois - COVID-19

State of Missouri - COVID-19

You can join us by being proactive! Learn the latest facts at CDC.gov.


04.01.2020

We are in this together.

CNB Bank & Trust, N.A. Coronavirus (COVID-19)
Hardship Relief Program


Since the 1850’s CNB Bank & Trust has fought through challenges and celebrated successes with our customers and communities. As we face COVID-19, our commitment to our customers, communities and staff is to weather this storm together.

The Coronavirus causes serious health and safety concerns. While necessary for the health of our community, the long-term result of sheltering-in-place is beginning to have an effect on the economy.

During the shelter-in-place order, CNB has been recognized as an essential business in the communities we serve. To ensure CNB customers continue to receive the quality of service they have grown to expect, our drive-ups are open and all of our digital banking options are available allowing access from your cellphone or computer. If you have a question, please don’t hesitate to call your local CNB branch or email us at news@cnbil.com. We are here for you.

Today’s challenge is unprecedented in human history. With that understanding, CNB has crafted several Coronavirus hardship relief options. These options are designed to address the financial hardships caused by COVID-19. For further details on relief options, call your CNB branch. Visit www.cnbil.com/Resources/atmbranch-locator/ for a complete listing of our locations and hours. Our team is standing by to answer your questions.

Thank you for your patience as we navigate this difficult time. Please stay safe and know we are in this together.

Please note: CNB will never ask you to reveal or confirm any personal or account information from an email.
The following drive-ups have been temporarily closed: Shipman and Jacksonville- W. State.

03.27.2020

COVID-19 Update

CNB is taking preventive action to help ensure the health and safety of customers and employees. As a reminder, all branch lobbies are currently offering limited services; call your local branch with any questions you may have during this time. Our Shipman branch and Jacksonville – W. State St. branch will be closed through April 7, 2020. Please continue to use our drive-up windows for all transactions.

To help our customers stay informed here are some updates happening in the world today to keep you up to date on the latest news about COVID-19.

Remember to wash your hands for at least 20 seconds and to stay at least six feet away from people at all times.

Learn more of the latest facts at CDC.gov.

Additional resources: 

Coronavirus Disease 2019 (COVID-19) | CDC


03.19.2020

A Message from CNB | COVID-19 Update

Dear Valued Customer –

We want to assure you that CNB is taking considerable measures to help ensure your well-being and protection as you visit our branches. As a reminder, all lobbies are currently offering limited services; call your local branch with any questions you may have during this time. Please continue to use our drive-up windows for all transactions.

As recommendations are issued from the Centers for Disease Control (CDC), we will continue to monitor updates from the CDC site about the coronavirus and possible impact within our communities.

Loan Assistance 

  • If you are experiencing financial difficulty with your loan payment as a result of the coronavirus instance, please contact us using the information below: Mortgage payment assistance: Contact your mortgage loan officer at 866-502-4209.
  • Consumer / small business loan assistance: Contact your loan officer at your local branch: Locations

Best Banking Practices
CNB offers options to choose from to access your accounts and meet your banking needs without visiting a branch:

  • Online banking– Check balances, pay bills and transfer funds.
  • Mobile banking– Check balances, pay bills and transfer funds. Set up alerts with Notifi, to guard against increased fraud.
  • ATMs– Get cash, transfer funds and check balances. Locations

You can join us by being proactive! Learn the latest facts at CDC.gov.



03.18.2020

FDIC: Insured Bank Deposits are Safe; Beware of Potential Scams Using the Agency's Name

In light of recent developments related to the coronavirus, the Federal Deposit Insurance Corporation (FDIC) is reminding Americans that FDIC-insured banks remain the safest place to keep their money. The FDIC is also warning consumers of recent scams where imposters are pretending to be agency representatives to perpetrate fraudulent schemes.

Read More


CNB’s Connection to CBAI

CNB Bank and Trust, N.A. is a part of the Community Bankers Association of Illinois (CBAI). CBAI helps community banks stay up to date on the constant changes in banking and professionally lobbies for the Illinois community banker. In today’s blog post we will be covering some information about CBAI to help you learn more about CBAI.

Background on CBAI

The Community Bankers Association of Illinois was developed in 1974. Today, CBAI represents 400 Illinois financial institutions and 150 associate members. CBAI creates money-saving opportunities for its members and also provides excellent educational seminars and schools to its members. All the institutions that are part of CBAI believe “that community banks must survive due to their role as primary lenders to consumers and the small businesses that create more new jobs than any other sector of our economy.”

What does CBAI Offer Consumers?

CBAI offers debit/ATM network services to all its member institutions. CNB is happy to have SHAZAM as our debit/ATM network service. SHAZAM is a single-source provider of debit card, fraud prevention, security, and marketing.

If you enjoy CNB’s promotional products or always look forward to getting a CNB pen when you visit one of our locations, you can thank CBAI for providing us with Regency 360. Regency 360 provides us with all of our office supplies, promotional products, and apparel.

Every year, CBAI also offers many scholarships to local high school seniors around Illinois. Be sure to be on the lookout for upcoming scholarship opportunities for your son or daughter from CBAI.

CNB’s Personal Connection

Shawn Davis, President & CEO of CNB Bank & Trust, N.A.was recently elected as the first vice-chairman of the Community Bankers Association of Illinois. Davis also serves on the CBAI Board of Directors and the Strategic Planning Committee.


To learn more about CBAI please click here.

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