Security Tips General Information

CYBER SECURITY

As we become more dependent on the internet, more and more personal information ends up online for fraudsters to find. Here are some tips to keep in mind while browsing.

Passwords – Strong passwords keep your information safe from hackers. Use a combination of capital and lowercase letters, numbers, and special characters for extra-strong passwords.

Antivirus Software – Always use some form of antivirus when browsing, and make sure it is up to date.

Privacy – Mobile and web browsers both have settings to protect your private information. Many major websites like Facebook and Twitter offer advanced privacy settings as well.

Downloads – Be extra cautious whenever downloading files or software from the internet. Always make sure you are on a trusted site and know what you are downloading.

IDENTITY THEFT

Millions of people fall victim to identity theft every year. It can happen to anyone, regardless of social or economic status. Identity theft occurs when a criminal gets someone’s private information and uses it to commit fraud.

This information can be used to apply for credit and loans, open bank accounts, open phone and cable accounts, and even get medical services. Identity theft can ruin your credit, cost you money, and take a tremendous amount of time to correct.

How does identity theft happen?

Scammers use numerous methods to access your information. One of the main ways is phishing, where scammers email you pretending to be a credible company or institution to obtain your personal information.

Fraudsters also steal information using skimming devices, which are placed over card readers. Whenever you use your card on a compromised terminal, these devices read and copy your card information for the criminals to use.

Your information can also be compromised in more traditional ways, like dumpster diving, stealing your mail, or even stealing the data directly from your purse or wallet. 

How can you prevent identity theft?

The best way to prevent identity theft is to be vigilant. Do not keep your Social Security card with you, and only provide your Social Security number when necessary. Always verify who is asking for your information before you send it to them. Shred receipts, credit reports, applications, and statements to prevent scammers from finding your info in the trash. Be careful when browsing the internet, and do not enter financial information until you have verified the website asking for it. Use strong passwords to avoid account hacking.

If you believe you or someone you know is a victim of identity theft, report it to the proper authorities. Check out our blog for even more ways to protect your money.

CHECK FRAUD

Fraudsters try to convince you that a fake check is legitimate by making it look like real business or personal checks, cashier’s checks, or money orders. Know what to watch out for to stay a step ahead! 

• Counterfeit Checks
  Fraudsters create fake checks to look like legitimate ones. They mimic anything from business checks to money orders. 
• Check Washing
  Fraudsters use chemicals to erase or alter details on a check. 
  
• Fake Deposits
  Fraudsters deposit fake checks through mobile platforms or ATMs. 
• Social Engineering
  Fraudsters try to convince you to share account details or cash fraudulent checks. 

Protect Yourself from Check Fraud

• Don't deposit checks from anyone you don't trust. 
• Don't use money from a check to send gift cards, money orders, cryptocurrency, or wire money. 
• Ignore any offers that ask you to pay for a prize. 
• If you sell something online, never accept a check for more than the selling price. 

If you think you've spotted a fake check scam, report it to the Federal Trade Commission!

Report Check Fraud