Fraud Alerts

Customer Alert - Fradulent Emails Appearing to Come from NACHA - 02/08/12

Heritage Oaks Bank is aware of emails being fraudulently generated and sent to our clients claiming to be from NACHA regarding a failed ACH transactions.

These emails are FRAUDULENT.

NACHA does not process ACH transactions, so they would never send emails regarding failed batches, etc.

Here is some additional background:

Further to previous notices since February 2011, NACHA has been the victim of sustained and evolving phishing attacks in which consumers and businesses are receiving emails that appear to come from NACHA. The attacks are occurring with greater frequency and increased sophistication. Perpetrators are sending these fraudulent messages to email addresses globally.

These fraudulent emails typically make reference to an ACH transfer, payment, or transaction and contain a link or attachment that infects the computer with malicious code when clicked on by the email recipient. The source addresses and contents of these fraudulent emails vary — with more recent examples purporting to come from actual NACHA employees and/or departments — and often including a counterfeit NACHA logo and the citation of NACHA’s physical mailing address and telephone number.

NACHA itself does not process nor touch the ACH transactions that flow to and from organizations and financial institutions. NACHA does not send communications to persons or organizations about individual ACH transactions that they originate or receive.

Please do not to open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual. Forward suspected fraudulent emails appearing to come from NACHA to to aid in our efforts with security experts and law enforcement officials to pursue the perpetrators.

If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist to remove malicious code or re-install a clean image of the computer system. Always use anti-virus software and ensure that the virus signatures are automatically updated. Ensure that the computer operating systems and common software application security patches are installed and current.

Additional information and guidance for consumers and businesses on phishing and email scams are available from the Federal Trade Commission Federal Deposit Insurance Corporation (FDIC):


Heritage Oaks Bank
805.369.5200, option 4