National Bank of Commerce and The Federal Deposit Insurance Corporation (FDIC) are warning consumers to be wary of any email they perceive to be from the FDIC.

The email’s subject line is “check your Bank Deposit Insurance Coverage,” and it has the appearance of a legitimate FDIC message. However, it is a scam.

The email message reads "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.”

Recipients are then asked to “visit the official FDIC website and perform the following steps to check your Deposit Insurance Coverage” (a fraudulent link is provided). Recipients are further asked to “download and open your personal FDIC Insurance File to check your Deposit Insurance Coverage.”

This e-mail and associated Web site are fraudulent.

Recipients should consider the email as an attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to on-line banking services or to conduct identity theft.

The FDIC does not issue unsolicited e-mails to consumers. Financial institutions and consumers should NOT follow the link in the fraudulent e-mail.

The true email link to the FDIC is http://www.fdic.gov/. Please contact your personal financial institution if you have questions or concerns about any email or other correspondence you receive regarding your financial accounts.

National Bank of Commerce, with offices in Superior, Duluth, Hermantown, Poplar and Solon Springs, is the area’s largest, independent locally-owned community bank. Its website is nbofc.com.

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