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Identity theft has many names, targets and methods

Phishing – is a method of obtaining personal information by some form of social engineering. It is one of the most effective means of compromising a person or company’s accounts. Phishers, attempt to convince people to click on a link or disclose personal information by tricking them into thinking they are doing something necessary and legitimate.

Spear Phishing – target specific groups. Spear phishing attempts are more sophisticated, using targeted and relevant details to trick victims.

Whaling – is phishing aimed at senior management or other high-value targets of an organization.

Smishing – uses SMS or text messages sent to mobile devices as the medium for the phishing attack

Vishing – uses voice communications as the means of an attack. These attacks can use Voice over IP (VOIP) and/or spoofed call – ID to aid in the scam.

Tabanabbing – opens new browser tabs that look similar to sites that were already open. These tabs quietly redirect the victim to a phishing site behind the scenes. Many users don’t notice the change and click or login to the phishing site.

Evil Twin – creates a fake wireless hotspot and collects personal data from everyone who connects to it. This type of phishing attack is most popular in airports, hotels, coffee shops, etc.

FDIC provides Excellent Security Tips to Help Consumers

www.fdic.gov/quicklinks/consumers.html
www.idtheft.gov

8 Tips to Protect Your Identity 

Identity theft continues to be one of the fastest growing crimes in the United States. In 2015, there were 13.1 million victims of identity fraud in the U.S., according to Javelin Strategy and Research. Jefferson Security Bank recommends following these tips to keep your information – and your money – safe. 

1.      Don’t share your secrets.

Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.

2.      Shred sensitive papers.

Shred receipts, banks statements and unused credit card offers before throwing them away.

3.      Keep an eye out for missing mail.

Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen. Also, don’t mail bills from your own mailbox with the flag up.

4.      Use online banking to protect yourself.

Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500.

5.      Monitor your credit report.

Order a free copy of your credit report every four months from one of the three credit reporting agencies at annualcreditreport.com.

6.      Protect your computer.

Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure.

7.      Protect your mobile device.

Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially for senders you don’t know.

8.      Report any suspected fraud to your bank immediately.

12 Ways to Protect Your Mobile Device

Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals. Jefferson Security Bank recommends following these tips to keep your information – and your money – safe.

  1. Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
  2. Log out completely when you finish a mobile banking session.
  3. Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
  4. Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
  5. Download the updates for your phone and mobile apps.
  6. Avoid storing sensitive information like passwords or a social security number on your mobile device.
  7. Tell your financial institution immediately if you change your phone number or lose your mobile device.
  8. Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
  9. Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
  10. Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
  11. Watch out for public Wi-Fi. Public connections aren't very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
  12. Report any suspected fraud to your bank immediately.

7 Tips for Protecting Yourself Online

Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. According to Symantec, 12 adults become a victim of cybercrime every second. Jefferson Security Bank  recommends the following tips to keep you safe online:

1. Keep your computers and mobile devices up to date.  Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.

2. Set strong passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.

3. Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with.  

  • Forward phishing emails to the Federal Trade Commission (FTC) at spam@uce.gov – and to the company, bank, or organization impersonated in the email.

4. Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc.  Be wary of requests to connect from people you do not know.

5. Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.

6. Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.

7. Read the site’s privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don’t see or understand a site’s privacy policy, consider doing business elsewhere.

 

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