How to Protect Yourself from Online Fraud
The increased sophistication and rapid growth of online fraud continues to be a challenge. These scams appear in many forms, especially fraudulent emails and websites, spyware and viruses, and pop-up advertisements.
Fraudulent Emails and Websites
This particular type of fraud occurs when someone poses as a legitimate company to obtain personal data, such as account numbers, and then makes transactions with this information illegally. A common form of this scam is called "phishing". Phishing refers to cyber-criminals who attempt to gather sensitive personal information from consumers through emails and/or through imitations of legitimate websites. To combat phishing, please remember that Security Bank will never ask for sensitive information from you via e-mail (ex. Social security number, User ID, password or account number, or ATM/debit card number and PIN).
Spyware and Viruses
Spyware and viruses are destructive programs loaded on your computer without your permission or knowledge. Spyware appears as a legitimate application on your computer but actually monitors your activity and collects sensitive information. Viruses are harmful programs spread through the Internet that can compromise the security of your computer. Maintaining up-to-date anti-spyware and virus protection software and firewalls help avoid these risks.
Pop-ups appear in a separate browser window and, when clicked, can download harmful spyware or adware to your computer. While some make legitimate offers, many pop-ups are attempts to obtain your sensitive information. Security Bank will never ask you to verify personal financial information in a pop-up advertisement.
Helpful Tips to Protect You
While online banking is safe, as a general rule you should always be careful about giving out your personal financial information over the Internet. Review the following tips to protect your personal information while using the Internet.
- Regularly log into your online accounts to verify that your bank, credit, and debit card statements and transactions are legitimate.
- Be suspicious of any e-mail with urgent requests for personal financial information.
- If you receive an unsolicited e-mail from any source asking you to click on a link to visit a site and input personal data, be very wary of it.
- Be cautious about opening any attachments or downloading any files from e-mails, regardless of who sent them.
- Instead of clicking on links in emails, type in the URL that you're familiar with, such as www.securitybankok.com, or select the Web address saved in your browser's "Favorites."
- If an offer sounds too good to be true, it probably is and should be avoided.
- If you have any doubts about the validity of an email, contact the sender using a telephone number you know to be genuine.
- Before you initiate an online transaction, make sure your personal information is protected by looking for indicators that the site is secure. URLs for secure sites typically begin with https instead of http and display a lock in the lower right corner of your browser.
- Use anti-virus software and keep it up-to-date.
- Make sure you have applied the latest security patches for your computer. Most software providers, like Microsoft, offer free security patches and alert you when they are available to install.
- If you have broad-band Internet access, such as cable modem or DSL, make sure that you have a firewall.
For some helpful resources on how to avoid scams, secure your computer, and protect your children online, visit: onguardonline.gov.
For additional information on protecting yourself and your information online, visit: staysafeonline.org.
We take numerous steps to keep your account information secure. However, you must take precautions as well. It is critical that you use a highly secure password for all of your financial accounts. Social Networking sites like Facebook have become a source of personal information used by someone trying to perpetuate fraud. Consequently, you should avoid using your pet's name, child's name, or any other publicly known information that could easily be guessed.
The most secure passwords are a combination of letters, numbers, and special characters and not simply an address, phone number, or birth date. For added security, remember to change your password on a regular basis and avoid using the same password for multiple accounts.
- Choose a password – Your online password, along with your User ID, authenticate your identity when accessing online accounts. Our online banking system has several password requirements, allowing you to establish a complex password that is not easily guessable. Your password should include a combination of the following: upper case letters, lower case letters, numbers, and special characters.
- Keep your password safe – Even the best password is worthless if it's written on a note attached to your computer or kept in your checkbook. Memorize your password and never tell it to anyone.
- Change your password regularly – Our online banking system will prompt you to change your password periodically. You also have the capability to change your password at any time when you are logged into the online banking system.
- Remember to log off properly – You may not always be at your own computer when banking online. Therefore, it's important to log off using the provided link to exit your online banking session. If you forget to do so, the system automatically signs you off after 20 minutes of inactivity.
If you need any assistance, you can also contact us at (918) 664-6100.