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Alert 2013-10
Description: F and M Bank and Trust Company

Counterfeit Cashier's Checks: F and M Bank and Trust Company, Hannibal, Mo.

To: Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chairman, 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 281573013 are being presented for payment nationwide in connection with a home health care job opportunity scam listed on

The counterfeit checks resemble the authentic items but may be identified by the following: Counterfeit items are light blue in color and contain a navy blue bank logo. The following security statement is printed in the top border: “THIS DOCUMENT HAS SECURITY FEATURES IN THE PAPER.”

Counterfeit items presented to date contain a remitter name of Lynn Jack and are made payable in the amount of $3,500.

The e-mail correspondence pertaining to the overpayment scam appears to be sent from persons named Andreea Schmidiger, Kileen Chackee, Donna Pring, and Catherine Reede, although other names may be used. Each recipient of the bogus job offer is informed via e-mail that a check will be sent to him or her by a mailing agent. The recipient is then sent a counterfeit check made payable for a larger amount than what was agreed upon. The potential victim is then instructed to deduct his or her first week’s pay and wire the remaining balance to a third party in New Mexico.

For additional information and guidance and to verify the authenticity of F&M Bank and Trust Company’s cashier’s checks, please contact Joy Bishop, by mail at 505 Broadway, Hannibal, MO 63401, by telephone at (573) 221-6424, x375, or by e-mail at

Consumers who receive a counterfeit or fictitious item and associated material should file complaints with the following agencies, as appropriate:

  • Federal Trade Commission (FTC): by telephone at (877) FTC-HELP or, for filing a complaint electronically, via the FTC’s Web site at
  • Royal Canadian Mounted Police (to report Canadian scams): by telephone at (888) 495-8501 or by e-mail at Its Web site,, provides additional contact telephone numbers. 
  • Better Business Bureau (BBB): The BBB system serves markets throughout Canada, Puerto Rico, and the United States and is the marketplace leader in advancing trust between businesses and consumers. The Web site offers contact information for local BBBs, objective reports on more than 2 million businesses, consumer scam alerts, and tips on a wide variety of topics that help consumers find trustworthy businesses and make wise purchasing decisions. 
  • Federal Bureau of Investigation Internet Crime Complaint Center (to report scams that may have originated via the Internet): Its Web site is
  • If correspondence is received via the U.S. Postal Service, contact the U.S. Postal Inspection Service by telephone at (888) 877-7644; by mail at U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100; or via the online complaint form at

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
 Mail:Office of the Comptroller of the Currency
Special Supervision Division
400 7th St. SW, Suite 3E-218; MS 8E-12
Washington, DC 20219
 Fax:(202) 649-6450

For additional information regarding other types of financial fraud, please visit the OCC’s anti-fraud resource at


Ellen M. Warwick
Director for Enforcement and Compliance