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Special Alerts

SA-71-2007
March 19, 2007


TO: CHIEF EXECUTIVE OFFICER (also of interest to Security Officer)
SUBJECT: Counterfeit Cashier's Checks
Summary: Counterfeit cashier's checks bearing the name American Bank & Trust of the Cumberlands, Livingston, Tennessee, are reportedly in circulation.

American Bank & Trust of the Cumberlands, Livingston, Tennessee, has contacted the Federal Deposit Insurance Corporation (FDIC) to report that counterfeit cashier's checks bearing the institution's name are in circulation.

The counterfeit items display the routing number 264174303, which is assigned to American Bank & Trust of the Cumberlands, but are markedly dissimilar to authentic cashier's checks. The counterfeit items display the words "CASHIER'S CHECK" in a box in the top center. The following security statements are embedded within the top border: "THIS DOCUMENT HAS A COLORED BACKGROUND AND MICROPRINTING. THE REVERSE SIDE INCLUDES AN ARTIFICIAL WARTERMARK." The bank's logo, name, city and state are printed in the upper-left corner. An "AMOUNT OF" line is centered near the middle and the date appears directly below. "DRAWER:" followed by the bank's name and a lock symbol is shown above the authorized signature line in the lower-right corner. "PAY TO THE ORDER OF" followed by a bracketed rectangle is shown in the lower-left corner.

Authentic checks display the words "CASHIER'S CHECK" in the lower-left corner. The bank's name is in a box in the top center, and the bank's address is shown directly below the box. The word "REMITTER" appears in the upper-left corner.

Copies of a counterfeit item and an authentic check (VOID) are attached for your review. Be aware that the appearance of counterfeit items can be modified and that additional variations may be presented.

Any information you have concerning this matter should be brought to the attention of:

Marlena Roberts
Vice President and Chief Financial Officer
American Bank & Trust of the Cumberlands
808 West Main Street
P.O. Box 40
Livingston, Tennessee 38570
Telephone: (931) 823-5648
Fax: (913) 823-7389
E-mail: Marlena@americanbt.com

Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-4004, Washington, D.C. 20429, or transmitted electronically to alert@fdic.gov. Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.

For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2007/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.

Sandra L. Thompson
Director
Division of Supervision and Consumer Protection

Attachment (not available electronically)

NOTE: As a security precaution, the FDIC does not post to its Web site electronic images of fraudulent items or authentic checks that have been counterfeited. This is to avoid attempts by others to use these instruments to facilitate additional fraud. Financial institutions can view images of the fraudulent items and authentic checks (marked as VOID) using the FDIC's free, secure Web site, FDICconnect. (See more information about FDICconnect at http://www.fdic.gov/news/news/financial/2006/fil06032.html.) Printed copies of each Special Alert and its attachment(s) may also be obtained from the FDIC's Public Information Center (telephone: 1-877-275-3342 or 703-562-2200; fax: 703-562-2296; or e-mail: publicinfo@fdic.gov).

Distribution: FDIC-Supervised Banks (Commercial and Savings)




Last Updated 3/19/2007 communications@fdic.gov