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Murphy-Wall State Bank and Trust Company Recognizes Andrew Schneider as September Student of the Month

Murphy-Wall State Bank and Trust Company is proud to recognize Andrew Schneider as our September Student of the Month. Through academic excellence, leadership, service, and a commitment to future goals, Andrew has established a record of achievement that reflects the values celebrated through this award. After graduation, Andrew plans to attend Southern Illinois University Carbondale […]

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Think It’s Your Bank? Imposter Scams Are Fooling More Consumers Than Ever

Scammers know that people are more likely to trust messages that appear to come from familiar organizations. That’s why imposter scams remain one of the most common and successful fraud schemes today. Whether criminals pretend to be your bank, the government, a delivery company, or a technology provider, their goal is the same: convince you […]

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Panther Shirts Fly Off the Tables at Annual Murphy-Wall Giveaway

Murphy-Wall volunteers greet Panther fans during the annual Panther T-Shirt Giveaway held before Friday night’s game against Carlyle. Photo by Daniel Herbst. The line started forming before 6 p.m., and by 6:22 p.m., every shirt was gone. Murphy-Wall State Bank’s annual Panther T-Shirt Giveaway once again drew a tremendous crowd Friday evening during the Panther […]

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Is That Voice Really Your Child? How AI Is Making Scams More Convincing

Artificial intelligence is transforming the way we work, communicate, and access information. Unfortunately, scammers are also using AI to create more believable fraud schemes than ever before. What once may have been an obvious scam email or suspicious phone call can now appear surprisingly authentic, making it harder for consumers to distinguish real communications from […]

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Why Are More Teens and Young Adults Falling for Scams?

  Young people are often seen as tech-savvy, but that doesn’t make them immune to fraud. A recent warning from a trusted financial services source highlights a troubling trend: teens and young adults are losing money to scams at an increasing rate, often because criminals are adapting their tactics to fit younger lifestyles and online […]

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Four Scams, One Story, A Reminder to Protect the Ones We Love

On a quiet afternoon in a small town, Margaret sat by her kitchen window, her phone resting beside a cup of tea. She had always considered herself careful, the kind of person who double-checked her doors and balanced her checkbook down to the penny. She wasn’t someone who made impulsive decisions, and she took pride […]

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Scams for Rent

Price, location, and amenities are all selling points when searching for a place to rent. However, scammers know that also, and they are making up fake rental listings they know will grab attention, and money, before they discover there is not really a place waiting for these interested buyers. Before making that move, learn how […]

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Are Scammers Posing as Your Utility Company?

Are Scammers Posing as Your Utility Company? Recently, the Federal Trade Commission reported an increase in scammers pretending to be representatives of utility companies. Scammers may call, text, email, or even visit someone in person, threatening to shut off gas, electric, or water service unless immediate payment is made. These scams work by pressuring people […]

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What Parents Should Know About Children’s Online Privacy

In an increasingly dangerous digital age, parents have a right to maintain control over the personal information companies collect online from individuals under age 13. According to the Federal Trade Commission (FTC), The Children’s Online Privacy Protection Act offers tools to do that. The FTC, the nation’s consumer protection agency, enforces the COPPA Rule. If […]

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Before Modern Banking, How Americans Managed Money Without Banks

It may be hard to imagine today, but there was a time when the United States had no formal banking system at all. There were no checking accounts, no national currency, and no large financial institutions helping businesses grow or governments manage money. Early Americans relied on a patchwork of currencies and improvised solutions to […]

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Watch Out for Scammers Claiming to Be Big-Name Companies!

Have you received an email, text, or call claiming issues with your Amazon account, orders, or refunds? This could be a scam. Criminals often impersonate Amazon and other big company names and exploit their platforms to steal money, personal information, or account access. Scammers send emails, text, or call claiming some sort of issue related […]

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What Happened Before the Federal Reserve, And Why It Matters Today

The U.S. financial system did not always have the stability people expect today. In fact, repeated financial crises and a lack of coordination in banking led directly to the creation of the Federal Reserve. This article is based on historical insights from a trusted industry publication and highlights how past instability shaped modern banking.   […]

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Avoid Summer Travel Scams

Summer is here and so are travel scams! If you are making vacation plans, you might be looking for a deal. Remember, while you look for bargains, threat actors are looking for ways to reach you and take your money. Travel scams can come up when you are searching online for hotels and flights. Scammers […]

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Jury Duty Scams

Have you received a call with someone claiming you missed jury duty and need to pay? Did you receive a text or email following the call that contained official-looking documents saying there’s a warrant out for your arrest? These can sound alarming, but they are not true. This is a scam designed to steal your […]

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Celebrate America’s 250th with Murphy-Wall

Celebrate America’s 250th with Murphy-Wall Murphy-Wall State Bank & Trust Company is proud to celebrate America’s 250th anniversary with a special summer giveaway. Throughout the month of June, we’re inviting our communities to join in the celebration by entering for a chance to win weekly prizes. This promotion is designed to bring something fun and […]

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False Alarms, Real Scams: How Imposters Are Draining Older Adults’ Life Savings

Scammers are increasingly targeting older adults by pretending to help them protect their money. According to the Federal Trade Commission, a growing number of fraud reports show that criminals are using fake security alerts and false emergency warnings to steal retirees’ life savings. These scams often involve impersonators claiming to be from trusted banks, well‑known […]

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Got a Text About Expiring Rewards Points? Look Closer…

If you are enrolled in a rewards, loyalty, or points program, you may receive texts claiming your points are about to expire. Messages like these are designed to grab your attention quickly and prompt immediate action. According to reports filed with the Federal Trade Commission, many of these texts are phishing scams and are not […]

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Rental Scams Are Costing Americans Millions, How to Protect Yourself While Searching for a Home

Finding the right rental can already be stressful, especially in a competitive housing market. Unfortunately, scammers are making it even harder by targeting people searching for apartments and homes online. According to new data from the Federal Trade Commission (FTC), rental scams have resulted in about $65 million in reported losses since 2020, and the […]

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Fraud Awareness Workshop: Know the Signs

Financial scams are becoming more sophisticated, more frequent, and closer to home. From phishing emails and fraudulent phone calls to payment scams and identity theft, fraudsters are constantly finding new ways to target individuals, families, and businesses. These threats don’t just exist online or in far‑off places, they are impacting communities like ours every day. […]

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Murphy-Wall State Bank and Trust Company Recognizes March Students of the Month

Murphy-Wall State Bank and Trust Company is proud to recognize Margo Dudek and Mandy Partin as its Students of the Month for their academic achievement, leadership, and involvement in school and community activities. Margo Dudek Margo plans to further her education in Cyber Security and Network Management at Murray State University. She also has aspirations […]

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Staying Safe From Solar Energy Scams as Interest in Clean Energy Grows

As more homeowners explore solar and clean energy options, scammers are finding new ways to take advantage of rising interest. Many fraudsters use misleading promises to push people into expensive contracts or upfront payments for solar installations that are not legitimate. One common tactic involves salespeople who knock on your door and claim you can […]

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Jeans Day Donation Supports Washington County Animal Control

Oakdale Lending Officer Jonathan Wilson Pictured with Debbie from Washington County Animal Control Giving Back Through Our Jeans Day Fund At Murphy‑Wall State Bank and Trust Company, giving back to our communities is important to us, especially when it’s driven by our employees. Through our employee‑funded Jeans Day program, staff members have the option every […]

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How To Avoid Government Grant Scams That Promise Free Money

Scammers often make up stories to steal personal information or money, and one of the ways they do this is by pretending to offer free government grant money for personal expenses.  Many of these schemes begin with unexpected contact, such as a phone call, email, text message, or social media message, telling you that you […]

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Paying for College: A Guide for Students and Parents

Paying for college is one of the biggest financial decisions many families will ever face. Tuition, fees, housing, books, and living expenses can add up quickly, leaving students and parents unsure where to start. The good news is that there are multiple ways to pay for college, including scholarships, federal financial aid, work‑study programs, and […]

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How to Spot and Avoid Phony Online Car Sales Scams

Online shopping makes it easy to browse used cars from the comfort of your home, but the Federal Trade Commission (FTC) warns that scammers increasingly use online platforms to advertise cars they don’t actually own. According to the FTC, criminals post fake listings on auction and sales sites like eBay Motors, Facebook Marketplace, and other […]

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Understanding Credit: What It Is, How to Manage It, and How to Build It

  Credit plays a major role in many financial decisions, yet it is often misunderstood. When people don’t fully understand how credit works, they can make choices that lead to long‑term debt and financial stress. This article explains what credit is, how to manage it responsibly, and how to build or improve credit, using guidance […]

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What You Need to Know About the 2026 NACHA Rule Changes

The Automated Clearing House (ACH) network is an essential part of how businesses move money every day, whether paying employees, collecting customer payments, or managing recurring billing. To strengthen fraud prevention and improve transaction transparency, NACHA is introducing several important rule updates beginning in 2026. These changes will affect all non-consumer ACH originators and third-party […]

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The Rug Pull Scam: What It Is and How to Spot One Fast

What Is a Rug Pull? A rug pull is a type of scam in the crypto world where the people who created a new coin suddenly take everyone’s money and disappear. Think of it like someone inviting you to invest in a “new exciting project,” talking it up to make it sound amazing, and then […]

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They Call, They Scare You, They Send You to a Bitcoin ATM, Here’s How the Scam Works

Bitcoin ATMs, often referred to as BTMs, are becoming increasingly common in grocery stores, gas stations, convenience shops, and malls. While they offer a quick and convenient way to buy or send cryptocurrency, scammers have turned them into a powerful tool to steal money from unsuspecting victims. According to a Federal Trade Commission (FTC) Consumer […]

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Murphy-Wall State Bank and Trust Company Recognizes Iris and Evelyn Zheng as February Students of the Month

Iris Zheng After high school, Iris plans to attend Southern Illinois University Edwardsville, where she will begin in the Pre‑Pharmacy Program. From there, she hopes to be accepted into the conditional entry program, securing a seat in SIUE’s School of Pharmacy. Her long‑term goal is to complete the six‑year program and earn her license to […]

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Romance Scams – The Scary Reality

What Is a Romance Scam? You meet someone special on a dating website or app. Soon they want to email, call, or message you off the platform. They say it’s true love, but they live far away — maybe for work or because they’re in the military. Then they start asking for money. Maybe it’s […]

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Murphy-Wall State Bank and Trust Company Recognizes Tania Onate and Ella Keene as February Students of the Month

Tania Onate Tania Onate will be heading to Southern Illinois University in Carbondale after graduation, where she plans to pursue a double major in Elementary Education and Automotive Technology. Throughout high school, she involved herself in a wide range of activities, including the Green Team, Junior Class Congress, Beta Club, and the band, where she […]

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Murphy-Wall State Bank’s Inaugural Ag Appreciation Breakfast

  On January 17th, Murphy-Wall State Bank and Trust Company hosted our inaugural Ag Appreciation Breakfast at Pistol City Restaurant in Coulterville, Illinois. This special event was created to recognize and celebrate the hardworking farmers who help sustain our local communities. We were honored to welcome four distinguished speakers: U.S. Congressman Mike Bost, Illinois State […]

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Tax Refund Scam

Tax season is approaching, and if you’re getting a refund, scammers are looking to steal it before you’ve had a chance to claim it. Before you respond to a text or email about a “tax refund” — especially one that asks you to click a link — know that this could be a scam designed […]

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Murphy-Wall State Bank and Trust Company Recognizes Gavin Helton and Reed Marlow as January Students of the Month

Gavin Helton Gavin has been a dedicated member of the Pinckneyville community throughout his school years. He has participated in band since fifth grade, where he developed a strong appreciation for teamwork and discipline. Gavin has also been involved in baseball, appeared in the last two school musicals, and is an active member of Pinckneyville […]

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Murphy-Wall State Bank and Trust Company Recognizes Arryn Overturf and Mackenna Wesseln as December Students of the Month

Arryn Overturf After high school, Arryn plans to attend Southern Illinois University Edwardsville to pursue a master’s in business administration. She has been a dedicated member of the varsity cheerleading team for all four years and has consistently demonstrated hard work and determination throughout her time at Pinckneyville. Arryn has served on the Student Council […]

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Banks Never Ask That!

Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank, a loved one, the government or law enforcement. And in this time of expanded use of online and mobile banking, the problem is only growing. In fact, the Federal Trade Commission’s report on fraud estimates […]

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Holiday Safety Tips! Cybersecurity & Infrastructure Security Agency

Check your devices Before making any online purchases, make sure the device you’re using to shop online is up to date. Next, look at your accounts and ask if they each have strong passwords. Even better, if multifactor authentication is available, are you using it? Protect your devices by keeping the software up to date. […]

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Murphy-Wall State Bank & Trust Company Recognizes Lia Farlow as PCHS November Student of the Month

Murphy-Wall State Bank & Trust Company is proud to recognize Lia Farlow as our November Student of the Month. Lia was selected for her exceptional academic performance, leadership, and meaningful contributions to her school and community. Congratulations, Lia! Following graduation, Lia plans to pursue a degree in nursing at either Rend Lake College or Murray […]

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Penny Availability Notice

  Notice To Our Valued Customers: As a result of the U.S. Department of Treasury’s decision to end production of the U.S. penny coin, the St. Louis Federal Reserve has notified all member banks that when the inventory of that specific coin is depleted, they will no longer fulfill penny orders. Murphy-Wall State Bank and […]

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“Task” Scams

You may get an unexpected message on WhatsApp, Telegram, text, or social media. It states if you do these little tasks online, you can make some quick cash. Sounds simple and the message says you will get paid right away. This could be a scam. “Task” scams begin with an unexpected message that offers you […]

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Text Scam – “Refunds” for Amazon Purchases

Scammers are impersonating Amazon again. They will send text messages claiming they have found a problem with one of the items you have purchased. They will offer a refund if you click a link … This is a scam! How the scam works: You may receive an unexpected text that looks like it is from […]

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New Digital Banking Dashboard – 7/24/2025

We’re excited to introduce a refreshed Dashboard View designed to make managing your finances easier, faster, and more personalized than ever before! The updates include: Favorite Accounts – Pin your most used accounts for quick access Customizable Tiles – Shift, turn on/off, and personalize your dashboard Recent & Upcoming Transactions – Now accessible on the […]

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Scammers Are Impersonating Local Law Enforcement

Scammers are faking caller ID and using real officer’s names to impersonate local law enforcement. You may get a call from someone claiming they are a sheriff or deputy from your local police department. They claim they have confiscated a package with your name on it. They say the package is filled with money, illegal […]

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Video Games Are Targeting Your Children to Get into Your Wallet

Summer break is here, and many children and young adults will spend a large part of their time playing video games. It’s estimated that 45.7 million children in the U.S. play video games, or more than 80 percent of all children between the ages of 5 and 18 according to data pulled from Entertainment Software […]

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No, FTC “agents” with badge numbers aren’t calling you

Scammers impersonating the government — including the Federal Trade Commission (FTC) — is nothing new. But here’s a twist: scammers are now calling themselves FTC “agents” and supplying fake badge numbers and ID cards to try to convince you they are who they say they are. (…They’re not who they say they are. The FTC doesn’t […]

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Social Security (SSA) and Office of the Inspector General (OIG) Imposter Scams

The Social Security Administration (SSA) Office of the Inspector General (OIG) has cautioned the public to be aware of emails that appear to be from SSA and include a link to download their Social Security statement. This email is an attempt to lure individuals to fraudulent sites that are not associated with SSA.   The […]

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Scam of the Week: Fishy Smishing

We’ve all heard about phishing scams – those deceptive emails that try to lure us into clicking malicious links or revealing personal information. But what about smishing? This lesser-known cousin of phishing uses SMS (text messages) to target unsuspecting victims, and it’s on the rise. In this blog post, we’ll take a deep dive into […]

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Julie Briley portrait

Murphy-Wall State Bank and Trust Company Announces Retirement of Julie Briley

Murphy-Wall State Bank and Trust Company is announcing the retirement of long time employee Julie Briley, VP and Branch Manager, effective September 30th. Briley has been a VP and Branch Manager of the Elkville location for Murphy-Wall since 2013, when she helped oversee the transition of the former Elkville State Bank into the Murphy-Wall family. […]

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Landen Shaw, Kayden Kuepper, Luke Epplin

Murphy-Wall State Bank Sponsors Billie Ray Craig Memorial Jr. Golf Classic at Red Hawk Golf Club

The Billie Ray Craig Memorial Junior Golf Classic, sponsored by Murphy-Wall State Bank and Trust Company was conducted Tuesday June 22, 2022 at the Red Hawk Country Club, Pinckneyville, IL. The tournament hosted junior golfers from across Southern Illinois. The tournament, which is a Point Event for the Southern Illinois Golf Association Junior Golf Tour, […]

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Student of the Year Winners Cheyanne Pauley, Jessi Pyatt, and Jimmie Reiman with MWSB presenters Susan Davis and Marty Davis

Congratulation to MWSB Students of the Year – Cheyanne Pauley, Jessi Pyatt, Jimmie Reiman

  Congratulations to the 2022 Murphy-Wall State Bank PCHS Students of the Year Cheyanne Pauley, Jessi Pyatt, and Jimmie Reiman!  Students are pictured receiving their certificates from Murphy-Wall State Bank President & CEO, Marty Davis and Executive Vice President/Chief Operations Officer, Susan Davis, at the recent PCHS Awards Night conducted in Thomas Gym. Cheyanne was […]

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Marty Davis, President/CEO

Marty L. Davis Named IBA Banker of the Year

  Marty L. Davis, President and CEO of Murphy-Wall State Bank and Trust Company in Pinckneyville, is the Illinois Bankers Association’s 2021 Banker of the Year. This is the 19th year for the award, which is the highest honor the IBA can bestow on one of its members. It is given annually to an individual […]

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Data Privacy Jan 28

Data Privacy Day is January 28 2021

      In our increasingly digital world, protecting your privacy and personal information is an important and sometimes confusing task.  Do you know how your information is being collected and used?  How do you safeguard your data and create a culture of privacy?  In honor of Data Privacy Day on January 28, 2021, here’s […]

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Scam Alert on caution road

Fraudulent Unemployment Claims on the Rise in Illinois

  According to the Illinois Department of Unemployment Security (IDES), fraudulent unemployment claims are on the rise.  Many of you know someone who has been a victim of this scheme, or have been a victim yourself.  The scammers use stolen names and social security numbers to file fraudulent unemployment claims.  You may be notified by […]

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Murphy-Wall State Bank Marion location in Marion Watermark

Murphy-Wall State Bank Now Open in Marion

Murphy-Wall State Bank and Trust Company has opened a new full-service banking facility in Marion. Improved technological enhancements are being made to ensure a superior customer experience at the Watermark building located just off of Route 13 on the Hill in Marion. We are sending our welcome out to those living, working and traveling through […]

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