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If you feel you have been the victim of fraud here are a few actions we recommend you take to protect yourself, and what we will do to assist you:

You may contact the fraud departments of the three major credit reporting agencies to discuss your options.You should review your credit report and may obtain your report by contacting any of the credit reporting agencies listed below. You may also receive a free annual credit report at You have the right to place a free 90-day fraud alert on your credit file. A fraud alert lets creditors know to contact you before opening new accounts. It also may delay your ability to obtain credit. To place a fraud alert on your credit report contact the three credit reporting agencies below.

Experian                                     Equifax                                                   TransUnion
(888) 397-3742                            (877) 478-7625                                         (800) 680-7289
P.O. Box 9532                            P.O. Box 740241                                      P.O. Box 6790
Allen, TX 75013                           Atlanta, GA 30374-0241                            Fullerton, CA 92834-6790                                        

You may wish to learn more about identity theft. The Federal Trade Commission has on-line guidance about the steps that consumers can take to protect themselves against identity theft. You can call 1 877-ID-THEFT (1-877-438-4338) or visit the Federal Trade Commission’s website at, or to obtain additional information. We also encourage you to report suspected identify theft to the Federal Trade Commission.
Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Noninterest-bearing Transaction Accounts

For a printable copy, please click here.


BOSTON, May 2, 2011 -- The Massachusetts Bankers Association (MBA) said today that some consumers in Massachusetts are receiving "robocalls, auto-dialed, pre-recorded messages asking bank and credit union customers to confirm their personal banking information over the telephone. The banking trade group warned consumers not to respond to the calls. The messages are being received by customers from multiple banking institutions. "These are random, automated calls by unknown sources, generally untraceable because of sophisticated filtering and layering, said Bruce E. Spitzer, director of Communications for the MBA. "Consumers need to know your bank already has your personal banking information and there is no need for it to ask you about it, often under the guise of improving security. This is a scam possibly intended to steal your identity and access your bank accounts. Moreover, reported the MBA, if you have caller ID the number or the ID could be faked or "spoofed, coming across as your bank, or an ambiguous local number when, in fact, the call is likely originating somewhere overseas. Despite the difficulties in tracing the call, the MBA recommended reporting any such calls to your local police department and your bank. Certainly, do not respond to the callers, it said, who may ask you to respond verbally or to key-in account numbers or passwords.

The MBA reported that although this type of attempted fraud has been around for some time, a recent spike necessitated reaching out now to alert and educate consumers. The Massachusetts Bankers Association represents approximately 190 commercial, savings and co-operative banks and savings and loan institutions located in Massachusetts and elsewhere in New England.

FDIC Issues Special Alert on Deposit Insurance E-Mail Scam

The FDIC has issued a special alert to warn consumers about an e-mail scam that uses the alleged suspension of consumers' deposit insurance coverage as a ploy to obtain personal information. The e-mail -- purportedly from the FDIC -- informs recipients that "in cooperation with the Department of Homeland Security, federal, state and local governments," the FDIC has withdrawn deposit insurance coverage from their account "due to account activity that violates the Patriot Act." It then says the deposit insurance coverage will remain suspended until identity and account information can be verified using a system called "IDVerify." The FDIC is attempting to identify the e-mails' source and disrupt their transmission, officials said.

Important Message to Customers

Customers and non-customers have received fraudulent telephone calls (vishing), text messages (smishing) and emails(phishing) claiming to be from North Middlesex Savings Bank. North Middlesex Savings Bank does not request personal information by telephone, text message or email. The intention of these calls and emails is to have customers release their personal bank information. In the event you have given out any personal account information, please go into your local branch or contact us via email.

Consumers please remember: never give out personal account information to anyone unless you initiate the contact. Consumers who get e-mail, phone calls or text messages that appear to be from their financial institution should assume it�s a scam. Consumers should call the bank�s legitimate phone number and report the contact.