Google Play Updates Affecting Mobile Banking



Due to new Google Play Store requirements, Android phones on version 10 and lower can no longer access to the Mobile Banking application.

Meet Google Play's target API level requirement (

What does this mean?

The Google Play App store is used by many vendors (Google, Samsung, Motorola, etc.) to deliver applications to devices. Starting in August 2021, Google is enforcing new API (Application Product Interface) requirements that mean app support must be confined to Android version 11 or higher.

How does this impact my customers?

If a user's phone is unable to update to Android 11 and/or a third-party Mobile Banking application does not support Android upgrades, those users are unable to use the CSI Android Mobile Banking application.

This also removes the ability for a customer to make mobile deposits.


The customer can continue to access Internet Banking on their mobile device via their web browser.



Internet Explorer End of Life





Beginning in August 2021, Microsoft will be ending support for Internet Explorer. In preparation, Internet Explorer users accessing  our Digital Banking will be re-directed to a message requesting that they update their browser. This new page will contain links where they can download suggested browser alternatives.


Thank you.



Online Shopping Scams



July 8, 2021

How to spot an online shopping scam


Over the past year we have changed our habits and taken more of our shopping online, and scammers have taken notice. Scammers are creating legitimate-looking sites using stolen images and fake assurances to take advantage of people purchasing from unfamiliar sellers. Some are even preying on people looking to buy a pet or other big-ticket item, touting fake offers for “contactless delivery” that could leave customers empty-handed and out hundreds or thousands of dollars.

Scammers have your online shopping on their radar.


Here is what to look for:

Unreal deals. Scammers may lure you in with a deeply discounted offer that seems too good to be true, only to tack on fees or fake COVID-related costs once you make the first payment.

Unknown sellers. Anyone can set up an online shop or post an ad on social media. If you can, have a video call with the seller to meet them and see what you are buying, especially if it’s a big-ticket item like a used car or pet. If you are looking for a pet, please consider adopting locally to help ensure a safe experience.

Pressure to buy. Be wary of any seller who pressures you to buy right away or asks you to pay using a digital payment service such as Zelle®, wire transfers, or even gift cards — none of which provide payment protection. Use a credit card if you can.

Bad reviews. Do an online search on the seller, product, and related scams by using terms like “review,” “complaint,” or “scam”. No reviews can be a red flag too. Get a second opinion from a friend or family member.

Be aware: Payment apps, gift cards, and wire transfers do not have protection like a credit card or debit card, so you may not get your money back once it has been sent.

Michael Cripps,

President & CEO






Letter from the President





4 Warning Signs of Computer Viruses


Computer viruses can infect your computer in the blink of an eye, and many can do some serious damage to your system. So, watch out for these warning signs.

  1. Strange and frequent pop-ups.

If you are getting bombarded by pop-up ads, this may be a sign your computer is infected by a virus. Also beware of unusual alerts and ads that advertise anti-virus products.

  1. Messages you did not send.

 If a friend says they received a fishy email or a social media message from you that you did not send, you might have a computer virus.

  1. Lockdown warning.

This might be the scariest virus symptom you will ever see: a pop-up message saying you are locked out of your computer. This is commonly called ransomware since the scammer tells you to send money to unlock your system. Take your computer to a computer repair professional.

  1. Very slow startup.

If your computer takes forever to boot up – and you have done all the usual troubleshooting, including reducing the number of programs that launch a startup – this may be a symptom of an infection.



Michael Cripps,

President & CEO

IRS Warns University Students & Staff of Email Scam






The IRS yesterday issued a warning concerning an ongoing IRS-impersonation scam that appears to primarily target educational institutions, including students and staff who have ".edu" email addresses. The IRS has received complaints about the impersonation scam in recent weeks from people with such email addresses. The phishing emails appear to target university and college students from both public and private, profit and non-profit institutions.

The suspect emails display the IRS logo and use various subject lines such as "Tax Refund Payment" or "Recalculation of your tax refund payment." It asks people to click a link and submit a form to claim their refund. That form requests much more personal identification information than the IRS does on its "Where's My Refund?" webpage.

The IRS warned people who receive the scam email not to click on the link in the email message.





FTC Warns of Scams Regarding COVID-19 Payment




Acting Federal Trade Commission Chairwoman Rebecca Kelly Slaughter issued the following statement regarding the enactment of the American Rescue Plan Act of 2021: "For the millions of Americans who have taken a financial hit because of COVID-19, help is on the way in the form of much needed stimulus payments. This is great news. But we want to remind everyone that scammers always try to take advantage of big headlines to trick people out of their money. Specifically, know that:

  • The government will not ask you to pay anything up front to get this money.

  • The government will not call, text, email, or message you on social media to ask for your Social Security, bank account, or credit card number. Anyone who does is a scammer.

  • Anyone who tells you to pay by a wire transfer, gift card, or cryptocurrency is a scammer, regardless of their story.

  • If you spot one of these scams, or any scam, please tell the Federal Trade Commission at And to learn more about avoiding pandemic-related scams, visit"

A Message From The President




A few weeks ago, the Indiana Department of Revenue (DOR) sent a warning to residents of a tax scam as reported by the IRS.  One can only assume we will be seeing the same thing as Illinois residents.  This scam is sent through text message and is trying to trick individuals into providing personal information to receive a $1,200 Economic Impact Payment.


The scam text reads:

“You have received a direct deposit of $1,200 from COVID-19 TREA FUND.  Further action is required to accept this payment into your account.  Continue here to accept this payment…”.  

The text includes a link to a fake web address

The IRS has advised people who receive this text scam to take a screen shot of the text message and include the screen shot and email to with the following information:


  • Date/Time/Time zone that they received the text message

  • The number that appeared on the Caller ID

  • The number that received the text message.


More information regarding the scam can be found at



Michael Cripps,

President & CEO



Stimulus ATM Cards




If someone received their stimulus money on a debit card and they are wondering how to get the funds off the card, there are a couple options:


  1. There are 3 ATMs in Murphysboro that you can use their PIN number and withdrawal the cash service charge free. The ATM’s are located at Walgreens, Huck's or Kroger. On the website that we have listed below, there is an ATM Locator tool that you can search by zip code to find other ATM’s.


  1. You can go to and create an account and have money transferred to a bank account for no fee. They will have you set up a user name, security questions, have an email address and cell phone number for verification codes to complete registration.  


  1. You can simply use the card anywhere VISA is excepted for point of sale transactions until the balance is zero.


For Your Information



Our credit card program has a new website for you to pay your bills, access statements and redeem your reward points.


The new website is


You will need to set up a new profile, but that only takes a few minutes.


If you have any questions about this new website, please contact me.


- Troy Cripps,


The First Bank and Trust Company of Murphysboro




Customer Education and Awareness




In a more concerted effort to keep you informed of what is going on in the world of Cybersecurity and to give you more resources to protect yourself and your family, we are transforming our "President's Letter" page to a "Customer Education" page.

Here, you will be able to find articles and links to keep yourself informed in our evergrowing technological world. Don't worry though, when our President has something to tell you, you'll still be able to find it here.



FB&T Helping The Community







THE FIRST BANK AND TRUST COMPANY OF MURPHYSBORO is committed to supporting our customers and community, now more than ever. Through our partnership with @FHLBC (Federal Home Loan Bank of Chicago) we are provided $15,000.00 in grants to two local businesses on September 4, 2020.


The Federal Home Loan Bank of Chicago’s Targeted Impact Fund provides members with grants to support relief efforts for populations hardest-hit by COVID-19 as well as to promote equity and opportunity for communities of color.


In April of this year, THE FIRST BANK AND TRUST COMPANY OF MURPHYSBORO was able to provide $20,000.00 in grant money to two local businesses through the FHLBC’s Covid-19 Relief Program


THE FIRST BANK AND TRUST COMPANY OF MURPHYSBORO has provided over $1,000,000.00 in PPP loans to our local businesses in an effort to keep small business alive in Murphysboro!




A Message From Our President




July 21, 2020



THE FIRST BANK AND TRUST COMPANY OF MURPHYSBORO is working with federal and state banking agencies, as well as other financial institutions to consider all reasonable and prudent steps to assist customers affected by the Coronavirus (COVID-19). In addition, the bank is monitoring information issued by international and U.S. health organizations. Regulatory agencies have encouraged financial institutions to work with customers impacted by the Coronavirus. Customers experiencing difficulties beyond their control should work directly with their financial institutions.  Should you wish to discuss, please call us at 618.687.1711 or



If you receive calls, emails, or other communications claiming to be from the FDIC or another federal agency, and offering COVID-19 related grants or payments in exchange for personal financial information, or a charge of any kind, please do not respond. These are scams. Additional guidance on how to report COVID-19 scams is available from the U.S. Department of Treasury website. You can also read the FDIC's Special Edition of FDIC Consumer News for COVID-19.


·        We encourage customers to use our mobile and online banking services, as well our ATMs and night depositories.

·        We have instituted and enhanced preventative cleaning measures at branch and office locations to protect health of both customers and employees.

·        We are providing personalized assistance to customers who have been financially impacted by coronavirus.

·        We are Informing customers about COVID-19-related scams and encouraging them to vigilantly protect their personal information.

·        We are participating in the Small Business Administration’s Payroll Protection Program and have obtained over $1,000,000 in such loans for our business customers.

·        We are tailoring our already personized service even more for our customers who have been severely impacted.

·        Some of our employees have preexisting breathing issues so, we encourage our customers and employees to maintain proper social distancing whenever possible and to wear masks when not possible.


Michael Cripps,

President & CEO






We have an app for that


Our app is now available!

If you are using Apple:

For Android users, use this link:


Golden Apple Award

Murphysboro Main Street awarded us with the Golden Apple Award for the month of October!

Local Banker Appointed to Illinois Bankers Scholarship Committee

Michael Cripps, President & CEO of The First Bank And Trust Company Of Murphysboro, recently was appointed to the Illinois Bankers Association 2019-2020 Illinois Bankers Scholarship Committee.

About the Committee / Board

"The Illinois Bankers Scholarship Committee is charged with designing the framework for the Scholarship Program, including a timeline, eligibility requirements, selection criteria, distribution plan, and fundraising plan, among other details."

About the Illinois Bankers Association

The Illinois Bankers Association is a full-service trade association dedicated to creating a positive business climate that benefits the entire banking industry and the communities they serve. Founded in 1891, the Illinois Bankers brings together state, national and savings banks of all sizes in Illinois.


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