Fraudulent checks can cause serious problems. Scammers use them to obtain sensitive information and steal money. They may ask you to deposit the check and send a portion of the funds back to them. If you receive a check from an unknown source, do not cash or deposit it. Contact local authorities if you feel threatened or know it is a fraud. Remember, if the check is fake and you spend the money, you will be held responsible for paying the bank back.

Yes, you can stop a lost check by contacting any Flanagan State Bank branch either by phone or in person. Please provide the following details: the check number, date written, amount of the check, payee name, signer of the check, and the check number for any replacement check. A Stop Payment initiated by phone is effective for 14 days. A signed Stop Payment form remains effective for 6 months. The fee for a Stop Payment is $24.00.

Using your digital banking app, you can temporarily “turn off” your debit card until you can locate your card.

To prevent fraud in case of a lost or stolen card, you can take advantage of digital banking. With digital banking you can turn off your card or set usage limits. If your Flanagan State Bank debit card is lost or stolen, please call us at (815) 269-6530. If your Flanagan State Bank credit card is lost or stolen, please call (800) 423-7503. You can also email cardapprovals@flanaganstatebank.com or speak to one of our retail bankers who will be happy to assist you.

There is no fee for Point-of-Sale purchases made outside of the United States.