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December 17, 2021
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Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chair, Board of Governors of the Federal Reserve System; Chair, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts); Assistant Deputy Comptrollers; District Counsels; and All Examining Personnel
The above-named bank has reported that counterfeit cashier’s checks using the bank’s routing number of 051401027 are being presented for payment nationwide in connection with various internet scams involving mystery shopping and job opportunities.
There are at least three known variations of counterfeit items in circulation; coloration is unknown.
Variation #1 – This check resembles the bank’s authentic item, but may be identified by the following trait:
Variation #2 – This check resembles the bank’s authentic item, but may be identified by the following traits:
Variation #3 – This check does not resemble the bank’s authentic item and may be identified by the following traits:
Checks presented to date have been made payable in amounts between $190 and $45,000; however, the majority have been made payable for amounts between $1,845 and $2,990. The most common remitter name appears as Rhonda C. Thomas, but others may be Chamika Ford, Linda King, Matthew Roberts, and Ralph Bochicco.
The checks have been used in three variations of mystery shopping scam letters now in circulation.
In addition, the counterfeit checks are used in a scam targeting home improvement contractors who bid on jobs via online portals. A customer posing as James Howe hires the contractor and sends a check for more than the contractor requested. When the contractor reports the overpayment, Mr. Howe says he erroneously overpaid the contractor with funds meant for an additional contractor he’s hired. He then asks the contractor to deposit the check and send the extra funds to a third party (purportedly the additional contractor).
For additional information and to verify the authenticity of checks drawn on American National Bank and Trust Company, please contact the bank’s customer service center by telephone at (800) 240-8190 or by mail at 628 Main Street, Danville, VA 24541.
Consumers who receive counterfeit or fictitious items and associated material should file complaints with the following agencies, as appropriate:
For additional information regarding other types of financial fraud, please visit the OCC's Fraud Resources page, which also can be found on OCC.gov.
Monica A. Freas
Director of Enforcement