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New Twist on IRS Scam

New Twist on IRS Scam

The IRS has discovered a new twist on the IRS Tax Refund scam that is utilizing the victims’ own bank accounts. Below is information to help you defend yourself against this scam.

This is how it works.

Cybercriminals steal data from several tax preparers’ computers. Using the data, the criminals then file fraudulent tax returns..

Here’s the twist: The fraudulent tax returns are deposited in the victim’s own bank account. 

The criminals pose as a debt collection agency and contact the victim to say a refund has been mistakenly deposited into their account and ask the taxpayers to forward the money to the fraudsters.

The IRS is advising that taxpayers who receive a direct deposit refund they did not request should take the following steps:

– Contact the bank/financial institution where the direct deposit was received and have them return the refund to the IRS.

– Call the IRS toll-free at 800-829-1040 (individual) or 800-829-4933 (business) to explain why the direct deposit is being returned.

– Keep in mind interest may accrue on the mistaken refund.

Source: Wisconsin Banker Association

Deposit Your Checks By Smart Phone!

Deposit Your Checks By Smart Phone!

Mobile Capture


New Online Banking Password Requirements 

Tougher passwords make for better security! That’s why we changed our password requirements (see below).

Good news…customers will only be required to change passwords once every 12 months.


Password must be between 8-17 characters and contain:

  • 1 lowercase
  • 1 number
  • 1 special character (no commas or question marks)

EXAMPLE:  Corner2017#

Same Day Posting

Effective Friday, September 15, 2017, certain electronic payments may post to your account the same day they were made or authorized. It will provide a more real-time balance in your account, which could potentially avoid incurring fees.

Take note, some transactions that previously posted in two-three days may now post the same day as the transaction occurred (e.g., online bill pay or checks). Practice good account management to avoid making transactions without sufficient funds available for withdrawal. Review your account frequently.

Contact your Bank representative for more information.

Tips for Countering the Equifax Data Breach

Source: Wisconsin Bankers Association

The Equifax data breach will affect millions of consumers, and Wisconsin’s banking industry stands ready to assist their customers. It is the banks in Wisconsin and across the nation that shield their customers from the financial harm caused by data breaches. It is as simple as this: when a breach occurs, banks often bear the brunt of the costs so their customers won’t have to.

“Have I been compromised?” is the biggest question on consumers’ minds. The Wisconsin Bankers Association offers the following tips for consumers who are not sure if their information has been compromised, as well as steps for consumers who know their information was stolen.

Not sure if your information has been compromised?
1. Visit, an online service Equifax has set up, to check if your information has been compromised. Please note that Equifax had an arbitration clause buried in its terms of service barring those who enrolled in thee Equifax checker program from participating in any class-action lawsuits that may arise from the incident. This has changed. According to the company the arbitration clause will not apply in this matter.

2. Check all of your accounts via online services provided by your bank or credit card provider. If you don’t have access to or haven’t set up an online account, you can call the company directly for assistance in reviewing your accounts. Consumers should be looking for any discrepancies in their purchasing habits. Be sure to do this over the next few months! Just because the bad guys have your information now, it doesn’t mean they will use it immediately.

3. Monitor your accounts closely and frequently. Balance your checkbook monthly and match credit card statements with receipts. By viewing accounts online and checking throughout the month, you’ll be able to identify possible problems sooner.

4. Review your credit report every three or four months. You are entitled to one free credit report from each of the three major credit bureaus per year. Request a single report from one of the bureaus every three or four months at By staggering these requests, you will be able to monitor your credit throughout the year.

5. Register for eNotify from the Wisconsin Department of Motor Vehicles. This service, among other things, will allow you to set up alerts confirming transactions regarding your drivers license. If you didn’t request the transaction, this serves as an early alert system that someone is making unauthorized changes.

You know your information has been compromised:
1. Contact the security departments of your creditors or bank to close the compromised account(s). Explain that you are a victim of identity theft and this particular card or account has been compromised. Ask them to provide documentation that the account has been closed. You should also follow up with a letter to the agency documenting your request.

2. Contact the three major credit bureaus (Experian, Trans Union and Equifax) via phone immediately to request a fraud alert be placed on your file. Once again, explain that you are a victim of identity theft and ask that they grant no new credit without your approval. Again, follow up with a letter to the agency documenting your request.  1-888-397-3742  1-866-447-7559  1-888-766-0008

3. File a report with your local police department and request a copy of the report. This is good documentation to have on hand to prove your identity has been stolen as you begin the process of restoring your credit and good name.

4. Document all of your actions and keep copies of everything. Whether you are sure or unsure your financial information has been compromised, one of your first calls should be to your bank. Your bank has a variety of resources available for customers that can help with situations like these. Their staff are also knowledgeable and more than willing to help.

External Link Disclaimer
From time to time, we provide links to other websites for the use of our visitors, which have been compiled from internal and external sources. By clicking on the links above, you will be opening a new browser window and leaving our website. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the sites.

Information on linked website pages may become dated or change without notice, and we do not represent or warrant that information contained on these linked pages are complete or accurate. We suggest that you always verify information obtained from linked websites before you act upon such information.

The privacy policy of this bank does not apply to the website you visit. We suggest that you always verify information obtained from linked websites before you act upon such information.


On Wednesday, February 22, at 8 a.m., the use of TLS 1.0 and 1.1 was disabled to align with industry standards. These protocols are an older method of encryption and have vulnerabilities. TLS is an acronym for Transport Layer Security (TLS), and the version of TLS that you are operating is controlled by your web browser. TLS provides secure communication on the internet for things such as accessing our website (online banking), and other data transfers. Customers If you are on an old version of your internet browser, please update to a more current browser: – Internet Explorer 11 – Google Chrome version 44 or higher – Mozilla Firefox version 44 or higher – Opera version 30 or higher – Apple Safari version 9 or higher – Microsoft Edge – any version If you attempt to access sites with an older version of the web browser, you will be unable to connect to the site and you will receive an error. Please contact Gale Sigler at 262.546.1101 with any questions.

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Privacy and Security

At Cornerstone Community Bank, we recognize the importance of protecting the privacy and security of our customers. Please know Cornerstone Community Bank will never solicit you by phone or send you an email or text message asking for your User ID, Passwords, PIN or other sensitive information. If you have any questions about the authenticity of an e-mail, text message or telephone call, please don’t hesitate to contact Jody at 262.546.1123.  

Important Notice

PRIVACY NOTICE: Federal law requires us to tell you how we collect, share and protect your personal information. Our privacy policy has not changed and you may review our policy with respect to your personal information by clicking on this link: PRIVACY POLICY or we will mail you a free copy upon request if you call us at 262.375.9150.

Cornerstone Community Bank Toll-Free #: 888.750.7152.