Roberts County Bank
Roberts County National Bank - Established 1896  
Home Home Contact Us Calculators Site Map
New Page 1

Access ID:

First Time User Learn More

About Us
Internet Banking
Personal Banking
Business Banking
News & Information

Member FDIC / Equal Housing Lender
copyright 2003

Click for Sisseton, South Dakota Forecast




Welcome To Roberts County National Bank!

Fraud Alert!
Texts, Pop-Ups &
Be on guard against “urgent” requests and unsolicited “deals” on the Internet
Fraud and the new technology

FDIC reports that criminals masquerading as legitimate businesses or government agencies are tricking consumers into divulging valuable personal information over the computer, phone or fax in order to drain bank accounts. Here are the latest tips from the Federal Deposit Insurance Corp. (FDIC) for protecting against new schemes using electronic devices.

Think twice before responding to “urgent” text messages

A new scam involves a text message sent to cell phones and smartphones warning bank customers that their debit or credit card had been blocked for security reasons. The message urges users to call a hotline to unblock their card, but instead they reach an automated response system asking for their card number, personal identification number (PIN) and other information.

“Unfortunately, this is enough information for thieves to create counterfeit cards and commit fraud,” says Michael Benardo, Chief of the FDIC’s Cyber-Fraud and Financial Crimes Section.

Smartphone users are now being targeted by scammers because these users almost always have their phone handy and tend to respond to calls and e-mails quickly, so that many may not realize a message is fake until it’s too late. Not only that, but fake Web sites are also harder to spot on a small screen.

Your best defense against high-tech scams
  1. Be aware that cyber criminals always look for ways to use new technology such as smartphones to try to commit fraud;
  2. Stop and think before giving personal information in response to an unsolicited request, especially one marked as urgent, no matter who the source supposedly is;
  3. Only communicate with your bank using phone numbers or e-mail addresses you are certain about—such as the customer service number on your bank statement or the back of your card—and add these important numbers to your phone’s contact list; and
  4. Only install programs that you know are from legitimate Web sites, such as your Internet service provider, financial institution, wireless phone company or trusted app vendors.


Be on guard against unexpected pop-up windows on Web sites, including your bank’s

If after you’re logged onto your bank’s Web site—or on any Web site, for that matter— and you get an unexpected pop-up window asking for your name, account numbers and other personal information, that is likely a sign that a hacker has infected your PC with spyware and is trolling for enough information to commit identity theft and gain access to your bank account.

It’s normal for your bank to ask for your login ID and password when you first log in and to ask you to answer a ‘challenge question’ if you want to reset your password or start using a new computer. But your bank will not ask you—through a pop-up window—to type your name and information such as your date of birth, mother’s maiden name, bank account and cell phone numbers. Banks only need that type of detailed personal information when the account is initially opened.

Be suspicious of unsolicited offers to download games, programs, and apps

Those “deals” could contain malicious software directing you to fake Web sites or install spyware used to steal information that can lead to theft. “You should consider using anti-virus software specifically designed for smartphones and other mobile devices,” advises David M. Nelson, an FDIC fraud specialist.

For additional tips on avoiding Internet fraud, visit


 * * *




 iHelp Private Student Loans

There are many ways to pay the cost of college. After considering federal loans, scholarships and grants, you may still have a gap to pay your total college costs. The Roberts County National Bank works with iHELP to provide an attractive private student loan. Applying for an iHELP Loan is easy and takes as little as 15 minutes.

CLICK HERE to learn more and apply.




 * * *


Notice Of Expiration of the Temporary Full FDIC Insurance Coverage For Non Interest-Bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a non interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all non interest-bearing transaction accounts, will be insured by the FDIC up to the standard maxiumum deposit insurance amount ($250,000), for each deposit insurance ownership category. 
For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit