March2017CustomerNewsletter
MemberFDIC~EqualHousingLender
www.BradfordBank.com
BeAwareofSkimmingDevicesatATMsandOtherDigitalTerminals
The fraudsters in today’s day and age are adapting well to technology. Unfortunately, that means
thatbanksandconsumersalikemustpaycloseattentionwhentransactingwithdebitandcreditcards.
Skimmingdevicesarepoppingupintheareaandthebadguysareprettybrazenwiththeirinstalling.
WhatAreSkimmers? Skimmersareessentiallymaliciouscardreadersthatgrabthedataoffthecard'smagneticstripeat‐
tached to the real payment terminals, so that they can harvest data from every person that swipes
their cards. The thief has to come back to the compro‐
mised machineto pick upthe ilecontainingallthestolen
data, but with that information in hand he can create
cloned cards or just break into bank accounts to steal
money. Perhaps the scariest part is that some skimmers
don't prevent the ATM or credit card reader from func‐
tioningproperly.
Classicskimmingattacksareheretostay,andwilllikely
continue to be a problem even after banks make the shift
to EMV chip cards, according to Stefan Tanase, a security
researcheratKasperskyLab.Evenifthecardshaveachip,
the data will still be on the card's magnetic strip in order
to be backwards compatible with systems that won't be
able to handle the chip, he told us. Now, months after the
U.S.rolloutofEMVcards,somemerchantsstillrequirecustomerstousethemagstripe.
The typical ATM skimmer is a device smaller than a deck of cards that its over the existing card
reader.Mostofthetime,theattackerswillalsoplaceahiddencamerasomewhereinthevicinitywith
a view of the number pad in order to record personal‐identi ication‐numbers, or PINs. The camera
maybeinthecardreader,mountedatthetopoftheATM,orevenjusttothesideinsideaplasticcase
holding brochures. Some criminals may install a fake PIN pad over the actual keyboard to capture the
PINdirectly,bypassingtheneedforacamera.
CheckforTampering When you approach an ATM, check for some obvious signs of tampering at the top of the ATM, near
thespeakers,thesideofthescreen,thecardreaderitself,andthekeyboard.Ifsomethinglooksdiffer‐
ent, such as a different color or material, graphics that aren't aligned correctly, or anything else that
doesn'tlookright,don'tusethatATM.Thesameistrueforcreditcardreaders.
If you're at the bank, it's a good idea to quickly take a look at the ATM next to yours and compare
them both. If there are any obvious differences, don't use either one, and report the suspicious tam‐
pering to your bank. For example, if one ATM has a lashing card entry to show where you should in‐
serttheATMcardandtheotherATMhasaplainreaderslot,youknowsomethingiswrong.Sincemost
skimmersaregluedontopoftheexistingreader,theywillobscurethe lashingindicator.
Continuedonpage3
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JefferyHasenmyerSelectedtoParticipateinFutureLeadersAlliance
JefferyHasenmyer,AssistantCashieratBradfordNationalBankinGreenville,hasbeenselectedto
participateintheFutureLeadersAllianceofferedthroughtheIllinoisBankersAssociation(IBA).
Thisyear‐longleadershipprogramisdedicatedtoenhancingthe
professionaldevelopmentofnewandpromisingbankleadersthrough
threeprimarycomponents:education,communityserviceandnet‐
working.
Participantswillpartakeincomprehensivetraining,whichinvolves
attendingeducationalsessionswhileperforminglocalcommunityser‐
viceteaching inancialliteracy.Theeducationsessionscovercoretop‐
icssuchasLeadershipandIn luence,TeamBuilding,Coaching,Service
Leadership,FinancialMarketingandBranding,LegislativeProcess,
AccountingforBankers,AssetLiabilityManagement,RegulatoryHot
Topics,andmore.
BradfordNationalBankpresidentDougStroudsaid,“Wethinkitis
importanttoprovideongoingcontinuingeducationopportunitiesfor
ouremployees,
andJeffisanex‐
cellentcandidate
fortheFutureLeadersAlliance.”
TheIllinoisBankersAssociationisafull‐
servicetradeassociationdedicatedtocreatinga
positivebusinessclimatethatbene itstheentire
bankingindustry.Foundedin1891,theIBA
bringstogetherstateandnationalbanks,sav‐
ingsbanks,andsavingsandloanassociationsof
allsizesintheStateofIllinoisandcollectively
representsthevastmajorityofbankingassets
andbankingemployeesinourstate.
BradfordNationalBankwasfoundedin1867
andiscurrentlycelebratingits150thanniver‐
sary.Forfurtherdetails,visit
www.BradfordBank.com.
SAVETHEDATE
SecureShredding&RecyclingDay
May13‐Greenville
May27‐Highland/Marine
InConjunctionWithHighlandRecycling
LetUsSecurelyDestroy
YourOldFinancialRecords
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VisitUsOn‐[email protected]&www.BradfordAgServices.com
BeAwareofSkimmingDevices...continuedfrompage1
Ifthekeyboarddoesn'tfeelright—toothick,perhaps—thentheremaybeaPIN‐snatchingoverlay,so
don'tuseit.
WiggleEverything
Even if you can't see any visual differences, push at everything, Tanase said. ATMs are solidly con‐
structed and generally don't have any jiggling or loose parts. Credit card readers have more variation,
butstill:Pullat protrudingpartslikethecardreader.Seeifthekeyboardissecurelyattachedandjust
onepiece.Doesanythingmovewhenyoupushatit?
Skimmersreadthemagneticstripeasthecardisinserted,sogivethecardabitofawiggleasyouput
itin,Tanaseadvised.Thereaderneedsthestripetogoinasinglemotion,becauseifitisn'tstraightin,
it can't read the data correctly. If the ATM is the kind where it takes the card and returns it at the end
of the transaction, then the reader is on the inside. Wiggling the card as you enter it in the slot won't
interferewithyourtransaction,butwillfoiltheskimmer.
ThinkThroughYourSteps
Wheneveryouenteryourdebitcard'sPIN,justassumethereissomeonelooking.Maybeit'soveryour
shoulder or through a hidden camera. Cover the keypad with your hand when you enter your PIN, Ta‐
nasesaid.
Even if you don't notice the skimmer and swipe your card, covering your hand when you enter your
PIN can keep you safe. Obtaining the PIN is essential, since the criminals can't use the stolen magnetic
stripe data without it, Tanase said. Of course, that assumes the attacker is using a camera and not an
overlaytoobtainyourPIN.
CriminalsfrequentlyinstallskimmersonATMsthataren'tlocatedinoverlybusylocationssincethey
don'twanttobeobservedinstallingmalicioushardwareorcollectingtheharvesteddata.TheATMsin‐
side banks are generally safer because of all the cameras, although some daring criminals do still suc‐
ceed at installing them there. The ATM inside a grocery store or restaurant is generally safer than the
onethatisoutsideonthesidewalk.StopandconsiderthesafetyoftheATMbeforeyouuseit.
The chances of getting hit by a skimmer are higher on the weekend than during the week, since it's
harderforcustomerstoreportthesuspiciousATMstothebank.Criminalstypicallyinstallskimmerson
SaturdaysorSundays,andthenremovethembeforethebanksreopenonMonday.
StayAware
Timelyreportingisveryimportantincasesoffraud,sobesuretokeepaneyeonyourdebitandcred‐
itcardtransactions.
Lastly,payattentiontoyourphone.BradfordNationalBankhasaveryactivefrauddetectionprogram
and will immediately reach out to you, if they notice something suspicious. Responding quickly can
meanstoppingattacksbeforetheycanaffectyou,sokeepyourphonehandy.
Justremember:Ifsomethingdoesn'tfeelrightaboutanATMoracreditcardreader,justdon'tuseit.
Informationforthisarticlewasobtainedfrompcmag.com,MaxEddy,April5,2016.
BNBGrandFinaleSponsor
BradfordNationalBankhassteppedupastheGrand
Finale Sponsor of the Bond County Fair this year to
helpprovide ireworksattheevent.
RandyAlderman,whomadethepresentationtoBond
County Fair president Craig Woker, said the sponsor‐
shipforthefairispartofthebank’s150thanniversary
celebration.Headdedthatthisyearthebankplanson
alargerroleinthefair.
TheBondCountyFairwillbehelpAugust3‐8,2017,
withthe ireworksfollowingtheparade.
VisitOurOnlineLoanCenter:www.BNBLending.com
VisitUsOn‐[email protected]&www.BradfordAgServices.com
HeadEastandIdesofMarchtoPerformonBNBMainStageforBondCountyBicentennial
ThelegendaryclassicrockbandsHeadEastandtheIdesofMarchwillheadlinethetwo‐dayBondCountyBicentennialSatur‐
day,July1and2,2017ontheBradfordNationalBankMainStage.
BNBvicepresidentandBicentennialentertainmentchairRandyAldermansaid,“WeareexcitedthatHeadEastandtheIdes
ofMarchwillprovidetheheadliningmusicoftheBondCountyBicentennial.Thebandstilltoursextensivelyandtheirsound
andshowwilldelightyoungandoldalike.Thebankisproudtoonceagainbeassociatedwithasignatureeventinourcounty.”
HeadEastwillperformonSaturday,July1andtheIdesofMarchwillperformonSunday,July2.Bothactswillperformon
theBradfordNationalBankMainStage.
John Coleman, Chairman of the two‐day Bicentennial event, said, “Our committee has
workedreallyhardtoputtogethermemorableentertainmentforourcountycelebration.”
Head East has long set the standard for authentic, full‐vocal,
goodtime rock harmonies that few bands can equal. Their high‐
energy shows are illed with superb vocals, lashy guitar work
and memorable keyboard melodies that continue to rock audi‐
ences of all ages. Their signature song, "THERE’S NEVER BEEN
ANYREASON(SaveMyLife)"haslong‐beenconsideredbymany
radio stations across the
country as "The Rock &
Roll National Anthem." For
Asthebankcelebratesits150thanniversary,BNBstaff morethanfourdecadesthe
membersareparticipatinginmayeventsthroughoutthe band has brought classic
rocktocountlessaudiences
year.Belowisapartiallistoftheactivitiesthebankwill allacrossNorthAmerica.
beinvolvedwiththisyear.Watchasthislistgrowsdur‐ In concert, the Ides of
Marchremainavital,powerhouserockandrollband
ingtheyear!
whose concert lasts two hours. The secret of the
band’slongevityistheirlong‐lastingfriendship,with
 March25:MarchforMeals5KRun/Walk,BondCo.Senior
not a hint of ego‐trip to be found. This is especially
Center
unique because singer Jim Peterik rose to the top of
 March25:BondCountyAcademicFoundationLighttheWay
the heap with his band Survivor (Eye Of The Tiger,
Gala
The Search is Over, High on You) during the 1980’s.
 MayTBA:AwardBNBScholarshipsinGreenville,Mulberry,
Peterik also co‐wrote the multi‐platinum hits for
Troy,Highland
Southernfavorites.38Special(HoldOnLoosely,Fan‐
tasyGirl,Rockin’IntotheNight).WhenSurvivorran
 May11:ArtinEducationArtShow
its course, Peterik returned “home” to the Ides of
 May12:ArtinEducationArtShow
March,andthebandneverlookedback.Whilemany
 May13:ShredDay,Greenville
“vintage” groups supplement their sets playing
 May18:BusinessAfterHours,Highland
“cover versions” of the hits of others, the Ides cele‐
 May20:Highland150thAnniversaryEvent
brate Peterik’s “extracurricular” hits like they were
 May27:ShredDay,Highland,Marine
“homegrown”,whichthey,insomerespects,are.
 June,July,AugustTBA:NumerousParades
BNB vice president Randy Alderman serves as the
 June17:CarShow,Greenville
Bond County Bicentennial entertainment chairman.
 July1&2:BondCountyBicentennial,BradfordMainStage
He said, “Having these two national acts perform at
 August2‐8:BondCountyFair
ourcelebrationwillmakethiseventmemorable.We
 August8:FireworksatBondCountyFair
areexcitedabouttheshowandthebankishappyto
beabigpartofit.”
 August10:BusinessAfterHours,Marine
 August12:BNB150thAnniversaryEventinMarine
ManyActivitiesKeepingBNBStaffBusy








SeptemberTBA:GHSHomecomingParade
September2:BNB150thAnniversaryCelebrationConcert
September9:VinetoWineRun
October27:HalloweenFunatBNB
November24:HighlandChristmasParade
November25:BreeseChristmasParade
December7:GreenvilleBusinessAfterHours
DecemberTBA:GoLocalCampaign
SaveTheDate
13thAnnual
ArtinEducationArtShow
May11&12
BradfordCommunityBuilding
VisitOurOnlineLoanCenter:www.BNBLending.com
VisitUsOn‐[email protected]&www.BradfordAgServices.com
KamiSuessJoinsBNB
BNBSupportsLocalOrganizations
KamiSuess,agraduateof GreenvilleCollege,has
joinedthestaffofBradford NationalBank.Shewill
workinlendingandbusi‐
nessdevelopment.
KamihasinternedinWashingtonD.C.for
The BNB employees were
LagardereUnlimitedandhasrecentlyworked
excited to support the
fortheGreenvilleChamberofCommerceand
Greenville Bluejays as the
GreenvilleTourism.
JoinUsForThe
RetirementReception
Honoring
CherylLyerla
Friday,March31
Bradford
NationalBank,Marine
RefreshmentsServed
Right,BradfordTravel
ClubadministratorMar‐
leneFilespeaksatthe
GreenvilleChamberof
CommerceNewFacesand
Placesprogram.
Many“newfaces”intheGreenvillebusiness
communityattendedtheeventthatwasheld
intheBradfordCommunityBuilding.
7th grade boys played for
thestatechampionship.
Asacommunitybank,webelieveitisimportanttosupport
andencouragelocalorganizations.Whenyoubanklocally,we
invest right back into the community. Those national chains
justtakeyourmoneyandrun,withnolocalinvestment.
Hereisalistofsomeoftheorganizationswehavesup‐
portedthismonth:
 BondCountyHistoricalSocietyQuiltShow
 HSHSHolyFamilyHospitalHealthFair
 GreenvilleHighSchoolFFAAuction
 TrooperKyleDeatherageMemorial
 KingsburyParkDistrictSoccerSponsor
 BondCountyFairGrandFinaleSponsor
 GreenvilleJrHighStateBusSponsor
 GreaterGatewayAssociationofRealtorsBingo
 SorentoLittleLeagueSponsor
 HSHSHolyFamilyHealthFairSponsor
 RPOC–CelebrationofLifeSponsor
 OwlCreekGazetteHomeShowSponsor
OurownRandyAlder‐
man spoke to numer‐
ous Jr. and Sr. High
classes during the
month,
discussing
banking and the im‐
portanceofsaving.
AttentionHighSchoolSeniors
ApplyfortheBNBScholarship
InfoandApplicationOnlineat
www.BradfordBank.com
VisitOurOnlineLoanCenter:www.BNBLending.com
VisitUsOn‐[email protected]&www.BradfordAgServices.com