Education Information

Financial Awareness

In today’s world, fraud encompasses much more than counterfeit checks and money orders. With the advent of the internet there are many more kinds of fraud and many different scams. It has, unfortunately, become easier for predators to take advantage of the unsuspecting, honest consumer. At LaMonte Community Bank, your protection is important to us. The best way to avoid fraud is to take preventative measures, and the best way to do that is to be aware of the scams and frauds.

We want you to be Aware

This section of our website provides an overview of some of the most common types of fraud, along with some warning signs if someone is attempting fraudulent activity. In addition, we’ve included contact information on the major agencies you should notify if you believe you or someone you know is a victim of fraud.

Telemarketing Fraud

When you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud. What are the Warning Signs of Telemarketing Fraud ? Tips to Avoid Telemarketing Fraud… From the FBI.

Email Fraud – Scams

Phishing … Not Fishing

“Phishing” is a kind of credit and debit card fraud. By pretending to email from a bank or similar site, scammers “fish” for account numbers, passwords, social security numbers, etc. They trick consumers into divulging sensitive information so that unlawful charges can be made on the consumers’ accounts.

Do Not use The Link they Provide

Phishing email schemes change frequently and often have links or attachments with links. Users who click on the links are taken to look-alike sites (they may look just like your Bank or Credit Card Company site) where they are asked to enter personal data. This personal data is then used to open fraudulent accounts, or even charge your banking accounts. If you get an official looking email, do NOT open it. Call your Bank or Credit Card company directly, using the numbers provided on your Billing Statement, not ones that may be provided in the email.

Identity Theft — What Is It?

Identity theft happens when someone steals your private personal information such as your social security number, your credit card number or your checking account number, and uses it to commit theft. It is much more than someone stealing your credit card. The thief may steal your checking account information, your mother’s maiden name or some other personal information, known only to you and your immediate family members in order to pose as you and drain your checking account, investments or other savings vehicles. How do you protect yourself?

What To Do If You Think Fraud has Taken Place

Immediately contact the Company, or Bank that represents your credit card, your checking account, loan etc. to let them know of any fraudulent activity directed against you. Call LaMonte Community Bank (660) 347-5656 to report any discrepancies with your checking or savings accounts. Describe the circumstances with as much detail as possible. Let them know about charges you did not make, or withdrawals from your accounts. They can give you the necessary steps to correct the problem.

Contact Information – To Report Fraudulent Activity

If you have information about fraudulent activity, report it to your state, local, or federal law enforcement agencies. In addition, the local Better Business Bureau may be able to assist you.

Missouri Attorney General

http://ago.mo.gov

Kansas City Better Business Bureau

http://www.kansascity.bbb.org

National Fraud Information Center

Phone: 1-800-876-7060
Website: http://www.fraud.org

Additional Information

If you’d like to learn more about fraud and how to prevent it, the following websites provide even more detail than we have covered here.

http://www.fraud.org
https://www.fbi.gov/scams-and-safety/common-scams-and-crimes
http://www.consumer.gov/idtheft


Identity Theft

Identity theft happens when someone steals your private personal information such as your social security number, your credit card number or your checking account number, and uses it to commit theft. It is much more than someone stealing your credit card. The thief may steal your checking account information, your mother’s maiden name or some other personal information, known only to you and your immediate family members in order to pose as you and drain your checking account, investments or other savings vehicles.

Protect Your Identity

Here are some ways to protect yourself, and your Identity from Identity Theft:

  • Keep a copy of all of your credit card numbers in a safe place, along with contact numbers.
  • Review your credit report regularly. You may contact any one of the credit reporting agencies (Equifax, Experian, Trans Union) to obtain a copy of your credit report.
  • Sign all new credit or debit cards immediately.
  • Store your cards in a safe place where you will know right away if one is missing.
  • Report lost or stolen cards immediately.
  • Don’t ever leave your card as a “security deposit.”
  • Use your driver’s license or other ID if necessary.
  • Never let anyone borrow your credit card or your bank card.
  • Watch your mail closely if you are expecting a new or replacement card.
  • Never carry your PIN with you or write it on the back of your card.
  • Don’t use an obvious number, such as your date of birth or phone number for your PIN.
  • Always notify your bank and other credit issuers with change of address or phone number.
  • Close all inactive bank and credit card accounts.

What Can You Do?

For additional information regarding identity theft and how to help prevent it, please  take a look at this special multi-media presentation from the FDIC (Federal Deposit Insurance Corporation). The presentation provides information on steps consumers should take to secure their computer and protect themselves from identity theft, as well as actions consumers should take if they become a victim of identity theft.

What To Do If You Think Fraud has Taken Place

Immediately contact the Company, or Bank that represents your credit card, your checking account, loan etc. to let them know of any fraudulent activity directed against you. Call LaMonte Community Bank (660) 347-5656 to report any discrepancies with your checking or savings accounts. Describe the circumstances with as much detail as possible. Let them know about charges you did not make, or withdrawals from your accounts… They can give you the necessary steps to correct the problem.

Contact Information – To Report Fraudulent Activity

If you have information about fraudulent activity, report it to your state, local, or federal law enforcement agencies. In addition, the local Better Business Bureau may be able to assist you.

Missouri Attorney General

http://ago.mo.gov

Kansas City Better Business Bureau

http://www.kansascity.bbb.org

National Fraud Information Center

Phone: 1-800-876-7060
Website: http://www.fraud.org

Additional Information

If you’d like to learn more about fraud and how to prevent it, the following websites provide even more detail than we have covered here.

http://www.fraud.org
http://www.consumer.gov/idtheft


Telemarketing Fraud

When you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.

Warning Signs – From the FBI

The FBI’s website provides several warning signs:

Beware of the following statements a caller may make, such as:

  • “You must act ‘now’ or the offer won’t be good.”
  • “You’ve won a ‘free’ gift, vacation, or prize.” But you have to pay for “postage and handling” or other charges.
  • “You must send money, give a credit card or bank account number, or have a check picked up by courier.” You may hear this before you have had a chance to consider the offer carefully.
  • “You don’t need to check out the company with anyone.” The callers say that you do not need to speak to anyone; including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.
  • “You don’t need any written information about their company or their references.”
  • “You can’t afford to miss this “high-profit, no-risk” offer.”

If you hear these or similar statements from a telephone salesperson, just say “no thank you,” and hang up the phone.

Some Tips to Avoid Telemarketing Fraud:

If you have signed up to be a part of the National Do Not Call list, the number of phone solicitations you receive has probably subsided. Nonetheless, it’s wise to understand the types of telemarketing fraud that exist. Once this fraud has taken place it’s tough to get your money back. But you can avoid most fraud by carefully following these FBI guidelines:

  • Don’t buy from a company you know nothing about. Legitimate businesses understand that you want more information about their company and are happy to provide you with background information.
  • Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But, beware — unfortunately, not everything written down is true.
  • Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state Attorney General, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.
  • Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items. Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.
  • Before you send money, ask yourself a simple question. “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”
  • You must not be asked to pay in advance for services. Pay services only after they are delivered.
  • Some con artists will send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.
  • Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.
  • Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.
  • Before you receive your next sales pitch, decide what your limits are — the kinds of financial information you will and won’t give out on the telephone.
  • It’s never rude to wait and think about an offer. Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial adviser.
  • Never respond to an offer you don’t understand thoroughly.
  • Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons. Your personal information is often brokered to telemarketers through third parties.
  • Never give out your ATM PIN to anyone.

If you have information about fraudulent activity, report it to your state, local, or federal law enforcement agencies.

What To Do If You Think Fraud has Taken Place

Immediately contact the Company, or Bank that represents your credit card, your checking account, loan etc. to let them know of any fraudulent activity directed against you. Call La Monte Community Bank (660) 347-5656 to report any discrepancies with your checking or savings accounts. Describe the circumstances with as much detail as possible. Let them know about charges you did not make, or withdrawals from your accounts.They can give you the necessary steps to correct the problem.

Contact Information – To Report Fraudulent Activity

If you have information about fraudulent activity, report it to your state, local, or federal law enforcement agencies. The contact information for our area agencies is given by clicking Here.

Additional Information

If you’d like to learn more about fraud and how to prevent it, the following websites provide even more detail than we have covered here.

http://www.fraud.org
http://www.consumer.gov/idtheft


Tools & Services

Mobile App

The LaMonte Community Bank Mobile Banking App is now available!

Hometown banking in your hands! Enroll in LaMonte Community Bank Online Banking and download our LaMonte Community Bank Mobile Banking App to carry us with you wherever you go!

To access our mobile app, you must first be enrolled in online banking, then you may login to the app with your online banking credentials. Our new app will share many of the same features and security protections as your current online banking with added benefits of a mobile application:

  • Access Account Balances
  • View Recent Transactions
  • View Check and Deposit Images
  • Transfer Funds
  • View your Account Statements
  • Mobile Deposit Capture
  • Personal Finance Management
  • Receipt Tracking
  • Location Finders and more!

For more information, click the buttons below and check out our app in your App store.

google play icon apple app store icon

Customers must first be registered in online banking prior to utilizing the app.

Customers must apply for access to Mobile Deposit Capture. If their depository accounts do not satisfy our minimum requirements, access may not be granted. A restrictive endorsement (For LaMonte Community Bank Mobile Deposit Only) is required on all checks that are presented for deposit. Access may be terminated if this service is wrongfully used (E.G. duplicate deposits of checks or deposit of fraudulent checks).

For the best experience, set up Bill Pay Accounts and new payees within online banking prior to utilizing these features in the Mobile Banking app.

All Google & Apple logos used by LaMonte Community Bank are trademarks of Google, LLC & Apple, Inc., respectively.


Debit Cards

DID YOU KNOW??? The LaMonte Community Bank offers Instant Debit Card Alerts!

The Instant Debit Card service allows bank customers to receive alerts via text message on their cell phone when an ATM/Debit Card transaction occurs. Generally, these alerts are generated as soon as the transaction is approved or rejected. If you are interested, call the bank to get signed up today!

Disclosure: 1. Message frequency varies by account. 2. Message and data rates may apply. 3. Text HELP to 72586 for help or call 660-347-5656 . 4. Text STOP to 72586 to cancel. Participating carriers include AT&T, Sprint, T-Mobile, Verizon Wireless, Boost, Virigin Mobile, MetroPCS, Alltel, AWCC, Cricket, Google Voice, and U.S. Cellular.


How to get a Debit Card?

If you are interested in getting a Debit Card, please come in and fill out a Debit Card Application and return it to LaMonte Community Bank. Upon approval, your card will be ordered and sent to you via mail. You can expect it to arrive within 10-15 Business Days.

When your card arrives…

Your card will arrive with a document explaining the activation process, safety tips, benefits, and directions of use. We encourage you to retain this document, as it may be a helpful tool to use for future reference.


Helpful Notes:

The number you call from to activate your card must be the primary phone number you have on file with the bank.

When setting your PIN Number, ensure that it is a unique number that is difficult for others to guess. Do not share your PIN Number with anyone else.

If you experience any problems while activating your debit card, feel free to reach out to the LaMonte Community Bank for assistance.

LaMonte Community Bank cardholders may use their debit card at any UMB ATM or participating MoneyPass ATM to withdraw cash from their account, free of charge

The LaMonte Community Bank has limits in place for your protection. While using your debit card you will be able to withdraw up to $400.00 per day in cash from the ATM, and you will be able to accumulate up to $900.00 per day in Point of Sale Transactions.

Monitoring for fraudulent activities is conducted 24/7. You may receive notification from our card providers if there is any suspicious activity on your account.

If you plan to travel, please notify the LaMonte Community Bank to prevent suspicion of fraudulent activity.

You can not place a Stop Payment order on an ATM or Debit Card transaction. If you see a transaction that you did not initiate, you will need contact LaMonte Community Bank immediately.

The cardholder is the only individual authorized to speak to LaMonte Community Bank about their account. You may not request or report any information if you are not the owner of the card in question.

ATM OR DEBIT CARD REPLACEMENT FEE: $5.00


CALL TO REPORT LOST OR STOLEN CARDS:  866-562-2342

If your debit card is lost or stolen, you should always contact the bank directly. If the bank is closed and you cannot reach a representative, you can call the above number to deactivate your card and prevent any fraudulent charges from transpiring. However, you must still call the LaMonte Community Bank as soon as they reopen for business so they can maintenance your account; including closing your current card and ordering a replacement.


Banking Hours

Lobby:

Monday – Thursday
9:00 am to 3:00 pm
Friday
9:00 am to 5:00 pm
Saturday
9:00 am to 12 Noon

Drive-Thru Window:

Monday – Thursday
8:30 am to 5:00 pm
Friday
8:30 am to 6:00 pm
Saturday
8:30 am to 12 Noon