Email and Online Fraud
To protect yourself against email and online fraud, be very alert to unsolicited emails you receive from companies you conduct business with or know. Banner Bank will occasionally send emails through our email marketing service, Silverpop. These emails contain clickable links for your convenience and the displayed text may be different than the actual link (i.e., the target). Although fraudulent emails can be difficult to recognize, beware of emails that:
- Request that you click a link to a spoof website, one that looks like a real company website, including the real company's graphics and design. Since fraudulent email may even use exact wording from the real company's website, it's difficult to determine a spoof website. If you have any doubts, please contact Banner Bank at 800-272-9933 or send an email* to firstname.lastname@example.org. Unlike Online Banking, it does not use SSL encryption. Please do not send sensitive information, i.e. your social security numbers, account numbers, other account information via email.
- Ask you to give, confirm, or update sensitive personal information such as Social Security numbers, usernames, passwords, PIN (Personal Identification Number) or account numbers.
- Use Pop-Up windows for entering or confirming personal data (see below for more pop-up screens on secured websites.)
- Have a sense of urgency to give the information immediately, citing a specific thing that might happen. For example, your account may be closed or temporarily suspended.
- Have spelling errors and/or bad grammar. Intentional spelling errors may allow the email to get through spam filters used by ISPs (Internet Service Providers).
* Emails containing account information MAY be sent through our Secure Message Center while logged into Banner Bank Online Banking.
Even if you don't enter your personal data, by clicking on a link embedded in a fraudulent email, you may inadvertently download tracking software or viruses that track your keystrokes to gain your personal information.
Some people "test" for online fraud by entering incorrect information. If the information is accepted, then they feel they can determine that it's an email fraud. Criminals are now aware that people perform this test, and may not accept the information entered first. The best defense is not to enter any personal information at a website you link to from an unsolicited email.
Learn ways to protect yourself as a consumer at www.ftc.gov/sentinel.
Visit www.fdic.gov and learn more about Phishing Scams.
Learn more about fraud prevention by visiting www.fakechecks.org.