Branch Reopenings

Reopening

As the state and region begin to reopen, we encourage you to be safe and to follow all preventative guidelines. As we slowly reopen our branch lobbies, we are taking precautions to keep you and our employees as safe as possible:

Our staff will be wearing face coverings for the protection of each other and our clients.
All clients will be required to wear a face covering inside the lobby (will be provided if needed). If you cannot wear a face covering, we ask that you conduct your banking business via the drive-thru.
Sneeze guards have been installed at all teller and new account stations.
We have installed directional signage at each location to help you maintain safe 6-foot social distancing.
We've increased our cleaning procedures and are regularly disinfecting high contact surfaces throughout the day and are utilizing professional janitorial service throughout the week.

As of Monday June 22nd, all branches are open and will have normal lobby hours except the following:

Hanoverton

Drive-ups and ATM's are available at Hanoverton with lobby access by appointment.

Coronavirus (COVID-19) Related Scams and How to Avoid them:

Criminals are actively exploiting the Coronavirus (COVID-19) outbreak to steal personal and financial information at a time when people are frightened and most vulnerable. Many of these instances are just new versions of common phishing and malware scams, in which are emails are sent with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information, donating to fraudulent charities or causes, or deploying malicious software. Cyber criminals are using phone calls and texts to try to trick unsuspecting recipients.

What should you be on the lookout for?

The Internal Revenue Service has issued warnings about Coronavirus-related scams tied to the economic impact payments. These contacts can lead to tax-related fraud and identity theft.

Be extra vigilant when receiving emails, phone calls and texts offering vaccines or treatments, stimulus payments, medical testing or alerts about critical supply shortages. Fraudsters are also spoofing the World Health Organization (WHO), Centers for Disease Control and Prevention (CDC) or other similar medical, charitable and government organizations. These messages can be highly convincing, and contain company logos, website and email formats of legitimate organizations.

If you do receive unsolicited phone calls, emails or text messages asking you to share personal, financial or account information, always verify the request using an alternative method before taking any action. It is best to call the entity back via a phone number from a trusted source, such as their secure website or a recent bill or statement, or the back of your credit or debit card if the caller is purporting to be from your bank.

Frequent characteristics of scams include:

Sense of urgency and limited time offers
Payment with wire transfer or gift cards
Secrecy and the need to not tell anyone
Low or minimal risks with guaranteed high returns
Unsolicited offers, including social media avenues

Characteristics of scams related to economic stimulus may:

Emphasize the words "Stimulus Check" or "Stimulus Payment". The official term is economic impact payment.
Ask the taxpayer to sign over their economic impact payment check to them.
Ask by phone, email, text or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up their economic impact payment.
Suggest that they can get a tax refund or economic impact payment faster by working on the taxpayer's behalf. This scam could be conducted by social media or even in person.
Mail the taxpayer a bogus check, perhaps in an odd amount, then tell the taxpayer to call a number or verify information online in order to cash it.

How can you Protect yourself?

Email Tips:

Check the sender’s email address and domain. Look for misspellings and inconsistencies between the "Sender" name and "From" email address or domain name—or if the email originates from a non-corporate domain name like @yahoo.com or @Gmail.com
The Word Health Organization (WHO is warning that scammers are pretending to be from the WHO. The official WHO email addresses end with “@who.int.” Emails ending in anything else — such as “@who.com” or “@who.org” — are likely a scam.
Beware of demands for personal or financial information, especially those with a sense of urgency.
Be very cautious before clicking any links in the email. You should always preview links to see where they go by hovering your mouse over the link without clicking on it. It will display the real website address for you to verify.
Pay attention to links and web addresses as a spoofed website can look like a recognized entity but could off by one or two characters, sometimes letters are replaced by numbers. Example: Zero 0 instead of the letter O
Do not assume an email it is legitimate because it displays a corporate logo.
Do not open attachments from sources you do not recognize or were not expecting.

Phone Call Tips:

Ignore telephone numbers that are in a strange or unexpected format or are from an unfamiliar location.
Even if the call is from a recognized entity, remember that scammers sometimes spoof caller ID with automated systems, to help mask where the call is coming from.
If you receive an unsolicited call, before providing any personal or financial information, tell the caller you will call them back at a verified number.

Text message Tips:

Avoid clicking links in unsolicited text messages from unknown numbers.
Do not direct dial any phone numbers listed in unsolicited text messages from unknown numbers.
If a text message requests for personal or account information, do not respond. Always verify any numbers or requests for information.
Be wary of messages that offer you free or in demand items or messages that require an urgent response.
If the offer is to good to be true, or you have an uneasy feeling, be very cautious. These offers are generally a scam.

For additional information on avoiding Coronavirus related scams, please visit

FBI Internet Crime Complaint Center: https://www.ic3.gov/default.aspx
FTC Corona Virus Scams: https://www.consumer.ftc.gov/features/coronavirus-scams-what-ftc-doingms
CISA - Defending Against COVID-19 Cyber Scams https://www.us-cert.gov/ncas/current-activity/2020/03/06/defending-against-covid-19-cyber-scams
IRS Scam reporting: https://www.irs.gov/privacy-disclosure/report-phishing

Consumers Bank Lobbies Closed Until Further Notice: Drive-Ups Open

As COVID-19, coronavirus, continues to be a health emergency, our primary concern is for the health and safety of our communities, customers, and team members. To help reduce the spread of infection through social interaction, Consumers Bank has closed all its bank lobbies until further notice.

While we encourage all citizens to follow the Stay at Home order issued by the Ohio Department of Health, your access to financial services is critical and will not be interrupted. All Consumers National Bank drive-up teller facilities and automated teller machines will remain open. Lending and other financial needs will remain accessible through online banking, our website (consumersbank.com) and, if necessary, by appointment. To schedule an appointment, please call your local branch. Telephone numbers for each branch are provided at this link.

We encourage you to utilize our suite of online and mobile banking products such as mobile check deposit as well as our enhanced ATMs to keep tabs on your account. It is also a great way to pay your bills or individuals and deposit checks without personal contact. If you need assistance with our online and mobile services, please contact our Electronic Banking department at 800-948-1262. View all our online services here.

Payment Relief:

We would also like to remind our loan customers to contact the bank if personal or family illness, business closures or restrictions, layoffs, or reduced employment are making it difficult for you to make your loan payment. Our lenders have payment relief solutions to help you. Consumer loan (installment, automobile, residential mortgage, home equity) customers should contact our Collections Department (877-322-0948) and our commercial and agricultural loan customers should contact their specific loan officer. When you obtained your loan we were committed to helping you reach your goals and dreams. During these circumstances, our commitment to you and the communities we serve is stronger than ever. Please let us know how we can help your family, business or farm.