Safeguarding Our Customers against E-Mail and Internet-Related Fraudulent Schemes
In the recent months, there have been data breaches at major retailers on some credit and debit cards used. In addition to debit and credit card information stolen, Target has reported that personal information – including names, phone numbers, email and mailing addresses – were also taken during the data breach. Target is offering free credit monitoring and identity theft protection to all of its customers for one year with an opportunity to enroll by April 30, 2014. Click here to sign up.
Sometimes criminals may send you email that looks like it has come from Greater Hudson Bank. These phony emails ask you to go to a website that also looks like Greater Hudson Bank and provide your personal account information. Some of these phony emails even caution that if you don't do this, your account may be suspended. But the website is also a fake, and this is a fraud attempt.
This is the most common type of online fraud, and is called "phishing and spoofing". Criminals send these phony email messages or direct someone to a fraudulent website for one goal, to steal personal and financial information.
If you should ever receive an email that appears to be suspicious, do not reply to it or click on the link it provides. Simply delete it. To report a suspicious email that uses Greater Hudson Bank's name, you can forward it to firstname.lastname@example.org*. (If you have general questions about the bank or your accounts, please go to Contact Us.)
Spyware and viruses are both malicious programs that are loaded onto your computer without your knowledge. Whether the goal of these programs is to capture or destroy information, to ruin the performance of your computer, or to bombard you with advertising, you don't want them.
Viruses spread by infecting computers and then replicating. Spyware disguises itself as a legitimate application and embeds itself into your computer, to monitor your activity and collect information.
Spyware and viruses are both serious threats to the security of your computer.
Pop-ups are the advertisements that "pop up" in a separate browser window. When you click on some of these pop-ups, it's possible that you're also downloading "spyware" or "adware."
Sometimes, criminals create pop-up ads that look like they come from a respected financial institution and ask you to enter personal financial information, but Greater Hudson Bank and most other financial institutions will never ask you to verify personal financial information in pop-ups.
Vishing is the criminal practice of using social engineering and Voice over IP (VoIP) to gain access to private personal and financial information from the public for the purpose of financial reward. The term is a combination of "voice" and phishing.
When the victim answers the call, an automated recording, often generated with a text to speech synthesizer, is played to alert the consumer that their credit card has had fraudulent activity or that their bank account has had unusual activity. The message instructs the consumer to call the following phone number immediately. The same phone number is often shown in the spoofed caller ID and given the same name as the financial company they are pretending to represent.
Consumers are advised to be highly suspicious when receiving messages directing them to call and provide credit card or bank numbers. Rather than provide any information, the consumer is advised to contact their bank or credit card company directly to verify the validity of the message.
Smishing is a form of criminal activity using social engineering techniques similar to phishing. Smishing victims receive SMS messages. Known as "smishing," these text messages might ask a recipient to register for an online service -- then try to sneak a virus onto the users' device.
Some messages warn that the consumer will be charged unless he cancels his supposed order by going to a Web site that then extracts such credit card numbers and other private data.
Greater Hudson Bank will never ask you to reply to an email with any personal information or data, such as your Social Security number, ATM or Check Card PIN, or any other sensitive information. In addition, when you sign in to Online Banking always make sure to look for the logo at the bottom of the page.
How to Protect Yourself
Other Check Fraud Security Tips
The IC3 has received over 40 complaints since May 2011 reporting the receipt of an unsolicited e-mail purportedly from a specified utility company. The e-mail stated the recipient had a new bill which needed to be paid, and the bill was attached to the e-mail. The recipient was instructed to click on the attachment to view their bill. The attachment contained a zip file with a computer virus.
The e-mail concluded by stating the recipient received the e-mail message, because he/she receives e-bills from this utility company. Many of the recipients are located in areas of the United States that do not use this utility company as their electric provider.
Your smartphone and other mobile devices provide convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals. Greater Hudson Bank recommends following these tips to keep your information – and your money – safe.
When you use your smartphone and other mobile devices to access the Mobile Banking through Greater Hudson Bank for transactions and inquiries, keep the following tips in mind.
Greater Hudson Bank is committed to educating our customers on check and deposit fraud schemes and protecting them through our Privacy and Security content.
*Regular non-encrypted email over the internet is not a secure means of communication. In instances where we provide internet email addresses, they are for inquiries of a non-sensitive and non-confidential nature. We recommend that you do not send confidential information by email unless it is secured.