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E-BANKING
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What are Email Scams?
Email scams are attempts of fraud through email and are becoming more and more frequent. Email Scams or Phishing involve an external third party attempting to obtain your personal and confidential information by impersonating a trusted source via email communication.
How Do Scams Work?
A hacker sends an unsolicited email or instant message to customers to lead them into disclosing confidential personal information. The deceptive email suggests clicking on a link or attachment for any one of the following reasons:
Request to change / update personal information.
Potential privacy or security breaches.
Winning of a contest.
Possible suspension of client cards or accounts.
Application for products.
After clicking on the attachment or link from the email scam, the user is taken to a fake site that looks almost identical to the original website known by the user. It may sometimes be extremely hard to detect that the website is fake.
This fake site requests confidential personal information from the user, which could include:
- Username
- Account Numbers
- Personal Identification Numbers (PINs)
- Credit and Debit Card Numbers
- Other Personal or Private Information
- Passwords
How Can I Identify a Phishing Attempt?
Scams are commonly sent as unsolicited emails.
Many phishing emails begin with a general greeting, such as “Dear Client.”
If your first and last names are not displayed, be suspicious and do not click on any links or buttons. However, having your name displayed does not always mean the email is genuine.
Messages may imply a sense of urgency or immediate risk to bank accounts or credit cards if you fail to respond. For example, they may state that an unauthorized transaction has recently occurred on your account, or claim that BLC Bank is updating its records or services and requires information immediately to ensure continued access to your holdings.
Phishing emails often contain misspellings, incorrect grammar, or missing words.
They may contain attachments or links to fraudulent sites designed to mimic the look and feel of a genuine website.
Although it may not always apply, the web address of the site will often contain the @ symbol or a numeric address (e.g. 123.456.1.2). The address may also include the word, phrase, or text “BLC” or “eBank” to make it appear authentic.