At Bankers Trust, security is a top priority. We are committed to providing information and resources to help you secure your mobile and online banking devices. This page is dedicated to sharing tips you can use to safeguard against mobile banking and online banking fraud.
Protect Yourself from Financial Scams
With the holiday season ramping up, more people are shopping, traveling and spending. The extra excitement this time of year also brings greater risk for attacks on your financial security. This may come in the form of email scams hoping to install viruses on your computer or credit card skimmers capturing your account information at ATMs or the gas pump. Regardless of the situation, now is a great time to learn how you can protect yourself from these types of attacks.
Signs of an Email Scam
Any time you receive an email, no matter who it is from, there are five things you can look for to make sure the email is actually coming from the sender listed.
- Watch for altered email addresses. Criminals will try to trick employees by making their emails look as similar to the actual email address as possible. This includes putting letters such as r and n together in place of an m, or a capital i in place of a lowercase l. Look carefully at the email addresses listed in any requests for financial information, passwords or funds.
- Do not click. Not all emails look the same or have the same content. The simplest rule to live by is don't. Don't open the email, click any links, open attachments or respond. Any of these actions could put malware onto your computer or invite more action from the criminal.
- Do not send personal information via email. Legitimate organizations will not ask users to send sensitive personal information such as Social Security numbers or account numbers this way.
- Question suspicious requests for funds or wire transfers. Wire transfers and money transfers are the primary way criminals try to steal money. Any time you receive a request for a wire or money transfer should be considered a red flag. Be particularly suspicious of any request immediately following the receipt of a check you were asked to deposit.
- Use antivirus software to detect and disable malicious programs, such as spyware or backdoor Trojans, which may be included in phishing emails. Keep your Internet browser updated with the latest security patches.
If you want to verify a suspicious email, contact the organization directly – but don't call the number or click on any links provided in the email. Instead, type in the organization’s website address into your browser to visit the website, or call a number you know is legitimate. And, if you ever receive a spam email that looks like it is coming from Bankers Trust, please contact us immediately.
How to Spot ATM Skimmers
Another trend that has been spotted in our markets recently is credit card skimmers. Skimmers were recently found on ATMs at grocery stores around our market, but criminals are also known to attach skimmers at gas pumps, and even bank ATMs. These are devices that fit over the top of the normal card reader on ATMs, and skimmers work by reading the magnetic strip on your debit or credit card as they are swiped through the reader. Here are three things you can do before swiping your card – no matter where you are:
- Visually inspect the machine. Does it look like the card reader or ATM has been tampered with? If you notice that parts of the machine are a different material or color than others, especially around the card reader or keypad, don't use the machine.
- Wiggle each part. Because skimmers are added on top of the machine's parts, they'll often move around or feel loose if wiggled.
- Cover your hand when entering your PIN. If you didn't detect a skimmer, it's still a good idea to hide the keypad as you enter your PIN. This way, any cameras set up around the machine won't be able to record the numbers you enter.
Any time you see something suspicious or out of the ordinary, notify an associate or call the organization if no one is available in person.
For more information on either of these topics, contact Bankers Trust if you think your accounts have been compromised.