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Subject: Counterfeit Cashier's Checks
Date: February 25, 2014
Description: First National Bank
Counterfeit Cashier's Checks of First National Bank, Lenoir City, Tenn.
To: Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chair, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts); Assistant Deputy Comptrollers; District Counsels; and All Examining Personnel
The above-named bank has reported that counterfeit cashier’s checks using a correct routing number of 064201243 are being presented for payment nationwide in connection with a secret-shopper scam.
While the counterfeit checks resemble the bank’s authentic checks, counterfeit items may be identified by several traits:
Counterfeit checks presented to date have been made payable in the amount of $2,250 and contain a remitter name of Jinni B. Redmond.
The bank has reported that the secret-shopper scam works as follows. Potential victims are initially contacted through e-mails from Karen Scott [email@example.com]. The e-mails inform the potential victims that their secret shopper applications were reviewed and that they were selected for assignments. The e-mails explain that they will receive checks in the mail for deposit into their bank accounts. Within 24 hours of the deposits, the potential victims are to use small amounts of the money to shop at a well-known retail store and to use the majority of the money to wire transfer funds to a third party, who is supposedly another secret shopper. Correspondence accompanying the counterfeit checks contains the letterhead of “PineCone Research, 250 East 5th Street, 9th Floor, Cincinnati, OH 45202.” Once their assignments are completed, the potential victims are to send text messages with 10-digit money-transfer control numbers to (202) 688-8936.
For additional information and to verify the authenticity of First National Bank’s cashier’s checks, please contact Vice President of Operations Connie Smith by mail at 200 East Broadway, Lenoir City, TN, 37771, by telephone at (865) 988-2114, by fax at (865) 988-2118, or by e-mail at firstname.lastname@example.org.
Consumers who receive counterfeit or fictitious items and associated material should file complaints with the following agencies, as appropriate:
Additional information concerning this matter that should be brought to the attention of the Office of the Comptroller of the Currency (OCC) may be forwarded to
For additional information regarding other types of financial fraud, please visit the OCC’s anti-fraud resource page at www.occ.gov/fraudresources.htm.
Ellen M. Warwick