United Bank wants to help you protect yourself against ID theft and fraud. While internet based scams using emails, viruses, and spoofed sites are popular fraudsters may also try to contact you over the phone or through text messages. Education, awareness, and knowledge of a few simple tips will make it less likely that you will fall victim to one of these scams.
REMEMBER United Bank and Trust Company will never ask you to send personal or financial information by email or through a link in an email.
Phishing- Fraudsters will send out bogus messages that appear to be from a company or government agency you may or may not do business with. These messages will attempt to convince you to either click on a link or call a number in order to get you to reveal information that can be used to steal your identity and/or access your accounts. Phishing messages may come though email, instant messages, and even text messages. The best thing to do if you believe a message may be legitimate is to contact the company using contact information that you know is valid such as a number from the phone book, or by typing the company’s web address into the address by yourself.
Vishing- Vishing is the use of social engineering tactics over the telephone system in an attempt to gain personal information for fraudulent uses. Vishing is successful because it is hard for law enforcement to track and because the phone system is very trusted by the general public. Features like caller ID can now be forged and faked using modern tools to make the calls more believable. Customers should be very suspicious when receiving calls asking for personal information and should call the bank directly using a number they know is good if they question the validity of a request.
Spoofing- A “spoofed” site is one that appears to belong to a legitimate company. The site may even look like the legitimate company’s site utilizing their colors and, perhaps, their logo. Typically a bogus email is received asking you to supply, confirm or update sensitive personal information by clicking on a link in the email. The goal of the criminal is to get you to enter the requested information so that they can steal it for their purposes.
Contact your financial institution immediately and alert it to the situation.
If you have disclosed sensitive information, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file. The following is contact information for each bureau’s fraud division:
If you suspect that you’ve received a fraudulent email, DO NOT RESPOND TO THE EMAIL! Contact us at 502-863-2393.
Download our free Identity Theft Emergency Repair Kit HERE
Federal Trade Commission ID Theft Site http://www.ftc.gov/bcp/edu/microsites/idtheft/
To view more information about avoiding identity fraud and theft and to learn about Identity Watch^sm^, a service we offer through Premier Members 1st, please click here.
Web Disclaimer: Although every attempt has been made to ensure the reliability of all information contained herein, some inaccuracies may exist. For this reason, United Bank does not certify the accuracy of any of the reported data and expressly disclaims all liability to persons who access this site. This web site may link to external web sites for your convenience. This is for informational purposes only. Linked sites are not under the control of United Bank and thus we are not responsible for the contents of these sites. Further, the act of linking to other external sites is not an endorsement of these sites.
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