How to Detect Online Fraud

Here are some common characteristics of fraudulent e-mails and web sites:

  • They often have a sense of urgency, telling clients that if they fail to update, verify or confirm their personal or account information, access to their accounts will be suspended.
  • They typically ask for personal or account information such as:
    • Account numbers
    • Credit and check card numbers
    • Social Security numbers
    • Internet Banking sign on IDs and passwords
    • Mother's maiden name
    • Date of birth
    • Other sensitive information
  • They often include links that contain the names or web addresses of legitimate companies.
  • The fraudulent emails will disguise or forge the sender's email address so they appear to be from a legitimate company.
  • The emails and pop-up web sites may include misspelled words and incorrect grammar.

How To Protect Yourself From Online Fraud

  • Never provide personal or financial information to someone who sends unsolicited e-mail or calls you on the phone, or on pop-up website requests.
  • Type web addresses into browsers instead of clicking on links in e-mails.
  • Change passwords and personal identification numbers (PINs) every 30 to 60 days.
  • Keep anti-virus and anti-spam filtering software on your computers, and keep it up to date.
  • Monitor accounts and credit reports. The three major credit bureaus are:

To learn more about email scams and what you can do to protect yourself online, go to the Federal Trade Commission web site.

Protect Yourself from Phishing Attacks

Phishing is a method where account numbers, personal identification numbers, usernames, and passwords are collected from users and then used to compromise their online accounts and commit identity fraud.

Phishing attacks typically move from location to location and are online for fewer than three days at a time. Recently, U.S. credit unions, banks, and other financial institutions have had their identities hijacked by sophisticated phishers.

Phishing emails come in different forms, and all are sent in attempt to give scammers access to your confidential information. Some phishing emails request you to send personal information back to the sender in an email. Many even include a link requesting you to enter personal information on an authentic-looking website posing as a financial institution.

Phishing emails appear authentic. Attackers copy official logos, send emails with well-crafted subject lines such as "Urgent security notification", and can provide disguised links appearing identical to a legitimate website's address.

We will NEVER contact you via e-mail to request or verify security information. If you receive a phishing email that has illegally used our name, logo, or website, please forward it to us immediately.

 

Got a question? We can help.

Contact us online, give us a call at 817-884-1470, or stop by a branch location for assistance with any questions or concerns.