Farmers Exchange Bank

"LARGE enough to serve you - Small enough to know you."




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Too Good to be True

Most scams fall into the "too good to be true" category.  If it seems to be too good to be true, it is.  Crooks take advantage of the fact that even their skeptical victims often can't figure out how they are being scammed. 


Internet Fraud

The Internet offers a global marketplace for consumers and businesses. But crooks also recognize the potentials of cyberspace. The same scams that have been conducted by mail and phone can now be found on the World Wide Web and in email, and new cyber scams are emerging. It's sometimes hard to tell the difference between reputable online sellers and criminals who use the Internet to rob people.


Telemarketing Fraud

While there are many legitimate companies that use the telephone for marketing, consumers and businesses lose millions of dollars to telemarketing fraud each year. It's sometimes hard to tell the difference between reputable telemarketers and criminals who use the phone to rob people.



Phishing (FISH-ing) is a new twist on an old telemarketing scam; however, instead of the phone, scam artists use the computer email system. Phishing refers to how thieves steal victims' personal financial information. They're phishing for information. Phishing con artists pretend to represent a trusted source, like a bank, and then scare the consumer with threats if they don't act quickly. These scammers steal credit card, bank account and Social Security numbers. They also seek passwords and any sensitive financial information.


If you receive unsolicited or unfamiliar email requests you should either delete them immediately or confirm through other means that the email is legitimate before opening it. If you receive such an email request, do not open it, do not click on its links, do not open its attachments, and do not reply or forward it.


Identity Theft

Identity theft occurs when someone uses your personal information, without your knowledge, to obtain credit cards, phone service and other types of loans. In other words, the thief uses your good credit to go on a spending spree.  To avoid being a victim, consumers need to pay extra attention as they go about their daily routine.  Warning signs: You get bills, credit card statements, calls from businesses or collection agencies, or other notices for debts and purchases you know nothing about.


The Federal Trade Commission created a special clearinghouse for reports about identity theft.  If you think you are a victim of identity theft, call 877-ID-THEFT or go to for more information.



846 N. Main St.

P.O. Box 197

Neshkoro, WI 54960

Phone (920) 293-4319

Fax (920) 293-4860

300 E. Bannerman Ave.

P.O. Box 130

Redgranite, WI 54970

Phone (920) 566-2202

Fax (920) 566-2206

W7452 State Rd. 21 & 73

P.O. Box 867

Wautoma, WI 54982

Phone (920) 787-4050

Fax (920) 787-4070