Internet Fraud Prevention

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United Bank and Trust Company wants to help you protect yourself against internet scams. Fraudulent email is currently one of the most common and potentially damaging methods used to scam customers online. Education, awareness, and knowledge of a few simple tips will make it less likely that you will fall victim to one of these scams.

United Bank and Trust Company will never ask you to send personal or financial information by email or through a link in an email.

Common Scams Defined

Phishing- These are bogus emails that appear to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the email may appear to come from a government agency. The emails typically attempt to get you to reveal information like user IDs, passwords, bank account numbers, social security numbers, or other sensitive information. This information can be used to access your accounts, financial information, or to perpetrate identity theft.

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.

Tips to Protect Yourself

What to do if You Become a Victim

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.

Other sources of assistance

To view more information about avoiding identity fraud and theft and to learn about Identity Watchsm, a service we offer through Premier Members 1st, please click here.