Protect Yourself from Email and Phone Fraud
Phishing and Vishing
NEVER respond with your personal account information to an unsolicited email or phone call— no matter how authentic it looks or sounds.
About Email “Phishing”
While people are becoming more aware of how to protect themselves from most consumer fraud, the numbers of victims of email fraud are growing rapidly. According to experts, email fraud schemes have become the most prevalent crime on the Internet. Cleverly disguised as urgent emails from your banking institution or Internet provider, “phishing” is fraudulent email sent to consumers trying to trick them into divulging their credit card and bank account numbers using fake websites and made-up stories.
It is important to know how authentic these emails can look. These criminals, known as phishers, are stealing actual company messages and logos to create more convincing messages. When clicking through a link, a person may actually think they are being taken to the financial institution website when, in fact, they are being rerouted to the "phishers" site or pop-up box.
If you believe you have received an email from us that is questionable, you should always:
- Check for a Disguised URL — The URL is the actual address that is in your browser bar for the website you are going to. These links are often in email messages, so it is easy to just click straight to the website. The URL may say one thing, but actually take you to a different location.
- Check for a Secure Socket Layer (SSL) — If a web site is secure, you will see a little yellow lock in the lower right-hand corner. When you mouse over this lock, a pop-up box will appear that tells you the site has a secure socket layer.
- Let us Know Immediately — If you are unsure if an email solicitation is authentic, call our Member Service Department at (303) 471-7625 and ask if that information is being requested from our members. If the email is from another financial institution, contact their customer service department.
Red Rocks Credit Union wants its members to be aware of this growing trend in email and phone fraud. Red Rocks staff will never ask for account numbers or personal information via email. We are dedicated to the privacy and protection of our members while using our secure Internet website to offer convenient and safe online banking.
About Phone “Vishing”
When you’re online and somebody asks you to “update your account information”, you probably assume it’s a scam 99% of the time. But what if you get a phone call? Do you assume those are fake as well?
High-Tech Scheme, Low-Tech Tool
Scammers are increasingly using a low-tech tool – the telephone – to rip people off. They can set up a system that automatically dials a long list of phone numbers and asks for account information. What’s more, they can mask the number that shows up on caller ID so that the incoming call looks legitimate.
This form of fishing for valuable information is called “vishing”. As you’ve probably guessed, it’s a variation of the term “phishing” — and the V stands for Voice.
Here are some things to remember if you believe you’ve received a phone call that is questionable:
- Don’t give information to anybody unless you are certain you know who you’re dealing with.
- Hang up and call the institution directly or dial the number that appears on the back of your credit card or on your statements. This way you can be certain that you’re speaking with the correct institution, and they can take care of any issues on your account.
Did you know?
Some types of identity theft are very simple but can easily be prevented. For several years now, law enforcement officers have had to deal with cases of identity theft in which an individual's home phone number was routed (or stolen) away from them. Even if you don't have online access to your home phone account, a fraudster can easily set up online access to your home phone with just a few pieces of readily-available information about you. Calls and messages can then be forwarded to an untraceable cell phone. Protect yourself by contacting your home phone provider and requesting a special password be set up on your account.