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.Alerts & Notices

May 25, 2013
Bauer Financial 5-Star Rating
Bauer Financial - an independent research firm for banks and credit unions - has awarded us their highest rating, 5 stars. This rating of "superior" puts Adams Community Bank on Bauer Financial's Recommended Report. In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.

May 18, 2013
WARNING! Possible Online Banking Phishing Campaign
It has been reported that when visiting Adams Community Bank website and/or signing on to Adams Community Bank online banking certain users have received a request to take a survey.This survey is not from us. Do not take it or click on any of the links. If you already have taken the survey, please contact us immediately at 413-743-0001.

May 2013
WARNING! Active Spearphishing Campaign – Citibank Spoof
We would like to make you aware of an email originating from noreply@citybank.com and noreply@citibank.com with a subject of “Merchant Statement” as the carrier of a .docx (Microsoft Word) attachment that may contain malicious code. The attachment currently takes the format “Statement ID 1111-111-111-1111.docx” (numbers may vary). At this point in time, antivirus/anti-malware detection available from security vendors has been limited. Use caution if receiving any attachments originated from these e-mail addresses or from any sender that you do not know is a reliable source. If you have accidentally opened such an attachment contact your IT consultant.

November 2012
Deed Scam
The Berkshire Eagle has a write up that area residents have been receiving mail regarding getting a copy of their deed for $83.00.  This document can be purchased for $1.00 from the Registry of Deeds.  

October 2012
Debit Card Fraud Alert
Customers have reported receiving phone calls and text messages that their debit cards have been deactivated. This message tells them to call 413-769-2925 and leave a message with their account details. Please be aware that this is a scam which is trying to lure you into giving your account information. Adams Community Bank would never ask you to call a recorded message and leave this vital information. If you receive this call or text message, please notify one of our customer service representatives immediately.

September 2012
Utility Scam Alert
National Grid is warning customers about a new, nationwide utility bill scam that claims the federal government will pay customers’ utility bills through a new program.  No such program exists, and customers who may be solicited should notify local law enforcement officials to investigate.

Customers have received solicitation through phone calls, door-to-door and online asking them for their social security number and bank routing numbers. Then customers are given fake account numbers to pay their bills. These are fraudulent account numbers and are not accepted by National Grid to pay customer bills.

National Grid reminds its customers that to ensure confidence and security during service calls at homes and businesses, all National Grid employees are required to carry company photo identification. Most, but not all National Grid employees also travel in clearly marked National Grid vehicles when providing service to residences and businesses.

The company reminds customers to always ask to see the National Grid company ID badge of anyone who says they are from National Grid. If you are in any doubt as to whether an individual is a National Grid employee, tell the person to wait outside and call the National Grid customer service number to confirm.  Customers in New England can call 1-800-322-3223.

Internet Explorer Security Vulnerability Alert
Internet Explorer has reported a serious, security vulnerability with its software. If you visit a malicious website designed to take advantage of this vulnerability, a hacker can take over your PC. Until Microsoft issues a security patch to fix this vulnerability with Internet Explorer, it is recommended that you download and use another web browser such as Firefox or Google’s Chrome.

July 2012
Vishing Scam Alert

There have been numerous reports regarding a wide spread vishing scam using a local bank's name. The scam is a phone call notifying individuals that their debit card is being deactivated. In order to activate it, you are instructed to press 1 followed by a request for your PAN# and expiration date. ACB would NEVER ask for your PAN # over the phone or via email or generate this type of automated message (nor would any other financial institution).

Medicare Scam
Adams Council on Aging has alerted us that a new scam is targeting our elderly. It is a letter that appears to be from Medicare addressed to our senior citizens. This letter states that a system error occurred and they were not billed their monthly premium invoice. Do not pay this invoice. We advise you to contact your council on aging office or Medicare directly. 

May 2012
Fraud Warning
Fraudsters are sending text messages to consumers pretending to be from Kohl's. The message says you have won a gift card and you need to enter your card info. This is a scam!

April 2012
Fraudulent Publishers Clearing House Email
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of fraudulent e-mails that have the appearance of being sent from the Publishers Clearing House that make reference to the FDIC.

The e-mails inform the recipient that he or she is the winner of a large cash prize and instructs themto obtain a Check Insurance Certificate from FDIC. The e-mails state the FDIC will be requesting a fee of $1,000.00 to provide the Check Insurance Certificate. The e-mails state that the recipient is to write to the FDIC via e-mail for instructions on how to send the requested fee. A fraudulent phone number and e-mail address are provided.

The FDIC does not issue anything called a Check Insurance Certificates. These e-mails are fraudulent and were not sent by Publishers Clearing House or the FDIC. Recipients should consider the intent of these e-mails as an attempt to steal money or collect personal or confidential information from the recipient. Recipients should NOT, under any circumstances send funds as requested or provide any personal financial information through this media.

Scam Reminder
If you receive a phone call or email message and it asks for your account number or Social Security number, it is a scam. Don't provide this info!

 

Security Safeguards
Security Safeguards
my money
my money



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SMS Text Banking
Now you can review your finances via simple text messaging on your mobile phone. Need to check your balance and look at your transactional history? Use your phone with the safety and security you’ve come to expect to truly make your money work where and when you need it. Signing up is free*.  Just log into your account and register for Mobile Text Banking on the Account Services page.

*Data fees may apply from your mobile carrier. 

Mobile Banking

It's Free & Easy to view your account information, transfer funds and pay your bills from your mobile device! No registration is required! Just login using your existing online username and password.

* Data fees may apply from your mobile carrier.
 



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Protect Yourself

Adams Community Bank takes the security and privacy of our customer information seriously. To that end, on these pages are some tips for protecting your personal information. Taking just a few easy precautions can help protect your financial and personal information against identity theft. Education and awareness are great first steps.

Read More
Copy of Your Deed Scam

Berkshire residents should be aware of a scam to purchase a copy of their deed.

See More Alerts
Mortgage Loan Officers (MLO)

Finding the right home can be challenging. Applying for your mortgage shouldn't be! That's why Adams Community Bank has nine licensed Mortgage Loan Officers that would love to assist you in re-financing or applying for a mortgage.

Read More
iSWITCH
 
Adams Community Bank's simple online process makes switching your accounts as easy as "ABC."  

Switch Now    |   Download PDFs
Recent News & Events

July 24    Morning with the Steeplecats @ Park Street Branch (9-12pm) 
July 28   Main Street Stage Backyard Tour 
July 28   Steeplecats game sponsored by Adams Community Bank 
July 30   Adams Street Fair 
Aug 15    N. Adams Mayor's Downtown Celebration
Aug 24    Adams Movie Night sponsored by Adams Community Bank 

Read More
About Banking Smarts©

Adams Community Bank's goal is to assist customers to become more informed about their finances. Here you’ll find timely tips; audio seminars; articles; and lots of info by industry experts. We encourage you to peruse these tabs and start banking smart.

MORE
Chat with the Experts: Rory Vaden
Rory shares how to roll up your sleeves and create the hard work mentality necessary to thrive in life today. He is a Gen Y that has made a profound impact on people of all generations on how to get over an entitled mentality and how to be responsible for the outcomes of your life.
Rory shares how to roll up your sleeves and create the hard work mentality necessary to thrive in life today. He is a Gen Y that has made a profound impact on people of all generations on how to get over an entitled mentality and how to be responsible for the outcomes of your life.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Accounts) 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 nontinterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. 

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit
www.fdic.gov/deposit/deposits/unlimited/html.

However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.       

ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001



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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit
www.fdic.gov.

However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.

ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001
Business Lending Team
William Wheelock SVP, Credit Administration Email Bill (413) 749-1125
Pamela Duval  VP, Underwriting & Analysis Email Pam (413) 749-1135

* Important Note:  Please be aware email communication is not secure.  Please do not include confidential information (social security number, account number, etc.) in any part of the email message.



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Business Development Team
Maureen Baran SVP, Business Development Email Maureen  * (413) 749-1171
Pamela Duval  VP, Underwriting & Analysis Email Pam  * (413) 749-1135
Laurie Pelczynski Business Development Officer Email Laurie  * (413) 749-1122
Kristin Bona Business Development Specialist Email Kris  * (413) 749-1165

* Important Note:  Please be aware email communication is not secure.  Please do not include confidential information (social security number, account number, etc.) in any part of the email message.

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