Happy Fall!



Falling Leaves
(Jack Prelutsky)

Little leaves fall softly down
Red and yellow, orange and brown
Whirling, twirling round and round
Falling softly to the ground.

Little leaves fall softly down
To make a carpet on the ground.
Then, swish, the wind comes whistling by
And sends them dancing to the sky.




We have recently seen an increase in fraudulent cashier’s checks. We want you to be aware of what to look for and how to decrease your chances of becoming a victim of fraud. We are here to help!

What is a cashier’s check? A cashier’s check is issued by the bank and payable to a specific person. Because it is issued by the bank, the funds are paid by the bank, not the depositor. Cashier’s checks typically present little to no risk.

How will I know if the cashier’s check is fraudulent? If you suspect the check may be fraudulent, we recommend contacting the issuing bank directly. DO NOT use the contact information provided on the check, as this information is most likely not associated with the bank. Instead, look up the issuing bank’s information to verify authenticity. If the bank cannot verify funds, it is very likely the check is fraudulent. If you are unsure of what to do or would like assistance, let us know! We would be happy to help.

When may I be at risk for receiving a fraudulent cashier’s check? Anybody can become a victim of a fraudulent check. However, many times these situations arise when selling items online or receiving information via email or mail.


Know there are laws governing banks as to how soon funds must be available to you, even if the check has not yet cleared the issuing bank. The money may show up in your account before the check has cleared. If you spend the money and then the check bounces, you are responsible for the amount you spent.

Only do business with people you know.

When selling an item, never accept a check for more than your selling price. Also, do not send the item until you know the check has cleared – wait a few days (or more) and call the issuing bank.

If you receive a letter or email stating you have won a large sum of money or are entitled to a settlement, be cautious, especially if you need to pay a fee before receiving the “prize”. Scammers send a fraudulent cashier’s check to cover the fee, asking you to deposit and pay.

Remember – if it sounds too good to be true, it probably is! 





Notice of changes in Temporary FDIC Insurance Coverage for Transaction Accounts.

By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) no longer receive unlimited deposit insurance coverage but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information, visit www.fdic.gov.             

 For your protection

Scam artists are becoming more bold and more creative in their methods to obtain your personal and credit information.  Our partners with internet banking, debit cards, and the Bank itself WILL NOT contact you to ask for this information. If someone does, DO  NOT provide any information to them!!!

Please note that as more people become dependent on the Internet, everyone needs to be aware of Internet security risks.  Remember that banks will not contact you for personal information in e-mails or with messages from this website.  Make sure you are utilizing secure websites for any on-line transactions.  Software to protect against spyware, malware and viruses is important to keep these items from being downloaded to your computer.  Please contact us immediately if you believe you have fallen victim to someone "phishing" for your personal information. 


  -Richland State Bank is a South Dakota State Chartered bank dedicated to providing community banking services in Bruce, South Dakota and its surrounding trade area.  Additionally, the Bank is also committed to expanding its markets and services beyond the traditional trade area through niche student loan programs marketed on a national basis as well as other specialized nontraditional banking activities.  >> Learn More


 Click here to visit Richland Loan Processing Center

More information on identity theft can be found at the Fair Trade Commission (FTC) http://www.ftc.gov/

 Protect your ADVANTAGE CheckCard from online fraud with Verified by Visa. Your Visa card is now equipped with Verified by Visa—it password protects your card for free.  http://usa.visa.com/personal/security/security-program/verified-by-visa.jsp






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