September 30, 2015
In This Issue
FREE Community Shred Day

 

Main Office -
Saturday, Oct. 3,
from 9 a.m.-noon.


This is the last Shred Day of the Year. It will run 9:00 a.m. until noon or until the trucks are full. Keep up to date on these and other events and more by liking the
Year-at-a-Glance Calendars are available

Stop by any office to pick up your 2016 Year-at-a-Glance wall calendar. Great for businesses, schools, organizations and municipalities.
Special holiday
hours reminder

 

We are closed for these holidays:

  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day
  • New Year's Day

 

Special 
Holiday Hours:

Dec. 24, 2015, Christmas Eve Day
Main Office & MODU- 9 a.m.- noon
Branches - 8:30 a.m. - noon
Drive-Ups - 8:30 a.m.- noon

Dec. 31, 2015, New Year's Eve Day
Main Office - 9:00 a.m.-3 p.m.
Main Office Drive-Up - 9 a.m.- 3 p.m.
Branches - 8:30 a.m.- 3 p.m.
Drive-Ups - 8:30 a.m.- 5 p.m.

LCBT's regular and holiday hours can always be found at LCBT.com.
Sign up for eStatements and eNotices online!
 
Did you know that you can sign up for eStatements and eNotices through your Online Banking? Just click on the eStatements/eNotices tab in Online Banking and sign up.
Credit cards available
 
LCBT offers both business and personal credit cards to our customers. Go to LCBT.com for more information. Apply today.
 
Personal Credit Card: 
 
Business Credit Card: 
Benefits
Application
Ask LCBT
 
Question: What are some of the security measures LCBT has in place to help keep me safe from cyber crime?
 
Answer: Some of Lapeer County Bank & Trust Co.'s security measures include:

Lapeer County Bank & Trust Co.
  • Encrypts electronic customer information: outgoing email is encrypted when sensitive data is being sent.
     
  • Adheres to the guidelines set forth in the Electronic Funds Transfer Act (REG E), which establishes the basic rights, liabilities and responsibilities of consumers who use electronic funds transfer services, as stated in the Bank's Electronic Funds Transfer disclosure.
     
  • Online Banking utilizes multi-factor authentication.
     
  • Lapeer County Bank & Trust Co. uses only authorized vendors who are familiar with our systems and security and with which we have signed privacy and/or confidentiality agreements.
Read more about how LCBT is working to keep ahead of cyber crime.
Featured Product
Mobile Banking

The Bank's Mobile Banking App gives customers the ability to control the security of their debit cards. Within the app, LCBT debit card users can temporarily block the use of their debit card by selecting the "Suspend Card" option in the Manage Cards menu. This option is best for when a debit card has been misplaced. 

Suspending the card will stop all transactions from that time forward. When you do locate your card, you may reactivate the same card and within minutes you will be able to use it for a transaction.
 
The Mobile Banking App also allows users to report a card that is lost or stolen. Clicking this option will immediately disable the debit card. Customers will then have to contact the bank to have a new card issued.
  
If you have questions, or would like to sign up for Mobile Banking, please 810.245.2950.

Important Information

Lapeer County Bank & Trust Co. is pleased to provide the information contained in this newsletter to our customers seeking to gain the most value from their banking relationship with us. The content of this newsletter contains advertising of products and services. LCBT encourages you to discuss your specific situation with your banker or other advisor before acting on ideas offered in Business Connections.

Technology & Security
A New Kind of Cyber Crime

Criminals on the internet have cooked up another way to trick you into sending them money. Now, if you click on a phishing link, hackers may use malware to monitor your email and computer usage. Through this, they can tailor their messages to make them more believable. For instance, if your CEO has sent you a message that he will be out of town for the week, or if you have marked that they will be out on your calendar, you may receive emails with urgent requests to wire a large amount of money to your CEO. Organizations have lost hundreds of thousands of dollars this way.
 
The FBI calls this an Email Account Compromise (EAC), and it has already filtered down to a consumer level. 
Keep yourself safe

While there may not be a way to tell if this malware is installed on your computer, there are things you can look for to identify a phishing email:
  
On the From line:
- Do you recognize the sender's email address as someone you regularly communicate with?
- Is the email address spelled correctly? Look for character substitutions that may look correct, but aren't (for example, using "rn" instead of "m" or uppercase "i" instead of a lowercase "L")
- Is the email from a company or organization that you do not do business or have a relationship with?
- Is the email address suspicious? For example, a phishing email claiming to be from apple may say @apple-support.com, which is not used by Apple.
  
On the To line:
- Was this email sent to an unusual list of people? For example, people you do not know or a strange set of names in alphabetical order?
- Were you CC'd on an email to one or more people that you do not know personally?
  
In the Subject line:
- Is the subject relevant to the content of the email?
- Does this appear to be a reply to a message I never sent?
  
In the Body of the email:
- Does the body include a hyperlink (a web address, for example: www.lcbt.com) that you do not recognize?
- Does the email include an attachment?
- When you hover your mouse over the hyperlink that's displayed, does the address displayed match the one that is typed out?
- Is there anything in the body of the email besides a link?
- Is the hyperlink to a misspelling of a known website? For example, www.1cbt.com instead of www.lcbt.com.
- Does the sender acknowledge any attachments on the email?
- Does the email ask you to click a link or open an attachment to either gain something of value or avoid a negative consequence?
  
Other red flags:
- Did the email come at a strange time or on a strange day? For example: something sent at 3 a.m. when the sender wouldn't normally be up at that time, or a business email sent on a Sunday.
- Is the email out of the ordinary?
- Does the email contain bad spelling or grammar?
- Does the email request things that are odd or illogical?
- Does the email claim to have attached or link to a compromising or embarrassing picture of you or someone you know?
  
Whenever you are in doubt about an email, it is important that you do not open the attachments nor should you click any links.
  
If the email claims to be from someone you know, contact them by phone, or through the email address that you usually use for them. Do not reply to the suspicious email - you may get a response from the hacker trying to entice you to open other files or links.
  
If the email claims to be from a business or organization, visit their website (NOT by clicking a link in the suspicious email). Manually type it into your web browser. Alternatively, use a published number to contact the company and ask about the email.
  
And ALWAYS, when you receive an email requesting money, contact by phone the person making the request to make sure that the request is valid. 
Enhancing Our Security

Beginning October 21, Lapeer County Bank & Trust Co. will install additional security features for your Online Banking access. Upon your first login into Online Banking after October 21, you may be prompted to re-establish your three (3) security questions and answers. Going forward you may need to update your security questions and answers every 6 months. If you are a Bill Payment, ACH or Wire customer and you initiate payments of $2,000.00 or higher, you will automatically be challenged by your security questions.
 
If you have any questions regarding these additional security features, please call customer service at 810.245.2950.
Customer Spotlight
Amy L. Moore, MA, LLC.

Amy L Moore MA LPC NCC SCL

is a licensed professional counselor, a nationally certified counselor and licensed school counselor. She has a private practice in Northern Oakland County with many of her clients coming from Lapeer, Metamora, Oxford, Lake Orion, Rochester, Ortonville and surrounding areas. Moore works in the community, school systems and privately, focusing on families, couples, teens and individuals encountering "bumps in the road of life." 

"We can all benefit from therapy," Moore explains. "We all experience inner conflict. For many people this shows up in relationships with the people you love the most (spouse, friend, child, parent). Therapy provides the space where you can heal, restore and transform your life. The relationship between a counselor and client is one of those rare relationships where you can explore who it is you truly are meant to be. Your fears, hopes and desires-without concern for judgement, guilt and more importantly shame. As your therapist I can teach you how to begin leaning toward change and trusting your inner voice while feeling empowered along the way. Therapy is a personal journey toward being the best you. Allow me to walk with you and help you see how these perceived relational challenges are merely an opportunity for growth."

Amy L Moore LPC NCC SCL
1120 South Lapeer Rd., Ste 250
Oxford, Michigan 48371
amoore.therapist@gmail.com
248.924.4722
Want to have your business featured in an issue of the LCBT Newsletter?

Let us know! We are always accepting requests. There is no charge to our customers for this service. Send us an email with your business name, a little about you and a picture and we will do the rest.

If you are interested in spotlighting your business in this section, please call Gina at 810.538.1925 or email Business Development.
Lapeer County Bank & Trust Co. Marketing | 810-664-2977 | dchateauvert@lcbt.com | LCBT.com
P.O. Box 250 83 W. Nepessing St. Lapeer, MI 48446