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5 ways to stop fraud

5 ways to stop fraud

Many of us at FNBSF enjoyed some time off around Christmas and New Year’s, but hackers, fraudsters, and scammers did not take a break for the holidays and are still busy finding new victims.

While some types of fraud require a highly technical hacker, many incidents require nothing more than the trust of the person on the other end of an email or phone call. Even if you think you could never fall victim to a scam or fraud, someone you love may not know what to look out for. Review these tips for keeping your information safe and share them with others.

Monitor your account statements regularly

The best way to monitor your account for fraud is by reviewing your account and statements regularly. If you see a transaction that you don’t recognize, contact us right away.

Setting your account up with online banking is a great way to easily view your account activity whenever and wherever you want. Sign up for online banking or reach out to our customer service team for assistance with enrolling.

Do not give anyone money or any kind of personal information on the phone, online, or by email

The best way to prevent fraud is to avoid giving out any kind of personal information. If you’re not sure the person calling or emailing is who they say they are, call the organization or person yourself. In addition, you should never give out your credit card or debit card number in these types of situations or on unfamiliar websites.

Do not publicly share information like your car make/model, your favorite teacher, the names of your siblings, or any previous addresses. Even this type of seemingly harmless information can be used by fraudsters to answer security questions for your online banking or other internet accounts.

Think before clicking links

Use caution before clicking links in emails or text messages. When you click a harmful link, hackers can gain access to your phone or computer and get ahold of your personal information. This is known as ‘phishing’ and ‘smishing.’ See our previous blog post for more ways to spot these types of attacks.

Recently, people around the country have been receiving spoofed emails or text messages that appear to be coming from a bank or the IRS with a link to view a ‘new deposit’ or ‘unusual account activity.’ Approach these messages with caution and remember: the IRS would never call or text you, and if you don’t normally receive text alerts from a bank, it’s very likely a phishing attempt.

Shred documents that contain personally identifiable information

Some instances of fraud occur when the fraudster gets access to documents that contain personally identifiable information. If you are disposing of important documents, be sure to shred them. For extra security, anything with your social security number, bank account number(s), debit or credit card numbers, etc., should be shredded when disposed.

Do not cash or deposit a check you receive in the mail if you don’t know where it’s from

Lately, we’ve been seeing some check fraud occurring through the mailing of checks. The victim receives a check made out to them in the mail. Usually, they weren’t expecting a check from anyone and don’t recognize the maker of the check. If you don’t know where a check is coming from or why you got it, do not deposit it, because it’s probably fraud. Take it to the Bank or notify us, and we can check if it’s legitimate or not.

We’re always looking out for fraud, but with these tips, you can protect yourself too.

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