Often called "phishing" or "spoofing," the most current methods of online fraud are fake emails, websites and pop-up windows, or any combination of these.
Always keep in mind that Town & Country Bank will never send email containing attachments, or require you to send personal information to us via email or pop-up windows. Any unsolicited request for Town & Country Bank account information you receive through emails, websites, or pop-up windows should be considered fraudulent and reported to us immediately.
Phishing emails will often:
How is your email obtained? Email addresses can be obtained from publicly available sources or through randomly generated lists. So if you receive a fake email that appears to be from Town & Country Bank, this does not mean that your email address, name, or any other information has been taken from Town & Country Bank’s systems.
This is the illegal copying of information from the magnetic strip of a credit or ATM card. The scammers try to steal your details so they can access your accounts. Once scammers have skimmed your card, they can create a fake or ‘cloned’ card with your details on it. The scammer is then able to run up charges on your account.
Card skimming is also a way for scammers to steal your identity (your personal details) and use it to commit identity fraud. By stealing your personal details and account numbers the scammer may be able to borrow money or take out loans in your name.
This is a type of malware (malicious software) installed on computers that collects information about users without their knowledge. The presence of spyware is typically hidden from the user and can be difficult to detect. Typically, spyware is secretly installed on the user's personal computer. Sometimes, however, spywares such as keyloggers are installed by the owner of a shared, corporate, or public computer on purpose in order to secretly monitor other users.
Cyber-criminals often prey on those who are most vulnerable, such as senior citizens or young adults, who may not be as aware of the technical aspects of the threats. Make sure you alert any friends or family members who might be in this category. They’ll appreciate it!