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WARNING!  

Internet Pirates are Trying to Steal YOUR Personal Financial Information

Here’s the Good News—YOU have the Power to Stop Them

There’s a new type of Internet piracy called “phishing.” It’s pronounced “fishing,” and that’s exactly what these thieves are doing: “fishing” for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even driver’s licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.

Here’s how phishing works:

In a typical case, you’ll receive an e-mail that appears to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the e-mail may appear to come from a government agency, including one of the federal financial institution regulatory agencies.

The e-mail will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as “Immediate attention required,” or “Please contact us immediately about your account.” The e-mail will then encourage you to click on a button to go to the institution’s Web site.

In a phishing scam, you could be redirected to a phony Web site that may look exactly like the real thing. Sometimes, in fact, it may be the company’s actual Web site. In those cases, a pop-up window will quickly appear for the purpose of harvesting your financial information. In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother’s maiden name or your place of birth.

In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother’s maiden name or your place of birth.

If you provide the requested information, you may find yourself the victim of identity theft.

How to Protect Yourself

gray boxNever provide your personal information in response to an unsolicited request, whether it is over the phone or over the Internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.

gray boxIf you believe the contact may be legitimate, contact the financial institution yourself. You can find phone numbers and Web sites on the monthly statements you receive from Bank of Gravett and below. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.

gray boxNever provide your password over the phone or in response to an unsolicited Internet request. A financial institution would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.

gray boxReview account statements regularly to ensure all charges are correct. If your account statement is late in arriving, call your financial institution to find out why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.

What Protections are provided:

gray boxTo protect your consumer account, we encourage you to regularly review your statements and activity. If you believe an unauthorized EFT or error has been made on your account contact bookkeeping immediately at 479 787-5251 or email us by clicking on the contact us in the upper right hand corner on the home page.

What is Reg E:

gray box Federal Regulation E establishes basic rights, liabilities, and responsibilities of consumer’s who use Electronic Fund Transfer (EFT) services at a financial institution. Consumer transactions only are covered by these rules.

Will Bank of Gravett ever call me requesting personal information:

 

Bank of Gravett will not  by telephone or email solicit your banking credentials.  Any attempt made of you for this information should immediately be declined and this information provided to Bank of Gravett at the contacts provided previously.   

We may contact you to verify a transaction on your account should we suspect fraud. If you have signed up for electronic statements you will receive an email with your security phrase included and be asked to login to retrieve your statements.  Other emails would be to provide you with information only.

 

You Can Fight Identity Theft – Here’s How:

Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the Internet if you did not initiate the contact.

Never click on the link provided in an e-mail you believe is fraudulent. It may contain a virus that can contaminate your computer.

Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.

If you believe the contact is legitimate, go to the company’s Web site by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the e-mail.

If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

Report suspicious e-mails or calls to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

What to do if you fall victim:

Contact Bank of Gravett immediately via our contact form and alert us to the situation.

If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau’s fraud division:

gray boxEquifax [www.equifax.com]
800-525-6285
P.O. Box 740250
Atlanta, GA 30374

gray boxExperian [www.experian.com]
888-397-3742
P.O. Box 1017
Allen, TX 75013

gray boxTransUnion [www.transunion.com]
800-680-7289
P.O. Box 6790
Fullerton, CA 92634

Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov, or by calling 1-877-IDTHEFT.

A message from the federal bank, thrift and credit union regulatory agencies
Board of Governors of the Federal Reserve System
Federal Deposit Insurance Corporation
National Credit Union Administration
Office of the Comptroller of the Currency
Office of Thrift Supervision

Want to learn more?

Visit the “Protect yourself against frauds and scams” section of the Federal Reserve Bank of Atlanta’s website.

Disclaimer: Links may take you to a web site that is external and located on other servers. Bank of Gravett has no responsibility for any external web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. The privacy and security practices of any external site may differ from those practiced by Bank of Gravett. The user should review the privacy policy of any site before providing information.