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#BANKSNEVERASKTHAT


Can You Spot a Phishing Scam?

Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $1.9 billion to these phishing schemes and other fraud in 2019 — and the on going pandemic has only increased the threat. Imagine where we are in 2020.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. And at Table Rock Community Bank we’re committed to helping you spot them as an extra layer of protection for your account. We’ve joined with the American Bankers Association and banks across the country in a nationwide effort to fight phishing—one scam at a time.


We want every bank customer to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know what sounds suspicious, you’ll be less likely to be fooled

These top 3 phishing scams are full of red flags:

  • Text Message: If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks never ask that.


  •   Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from you bank, but it’s a scam. Banks never ask that.


  •  PhoneCall: Would your bank ever call you to verify your account number. No! Banks never ask that. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.


 You’ve probably seen some of these scams before. But that doesn’t stop a scammer from trying. For more tips on how to keep phishing criminals at bay, including videos, an interactive quiz and more, visit www.BanksNeverAskThat.com. And be sure to share the webpage with your friends and family.


 

What’s Your Scam Score? Take five minutes to become a scamspotter pro by taking the #BanksNeverAskThat quiz at BanksNeverAskThat.com. Share your score on Twitter to encourage your friends and family to test their scam savviness, too. The more scamspotters out there,the harder it is for phishing criminals to catch their next victim!


Online Package Delivery Scams


With the COVID-19 pandemic changing how millions of American consumers shop, and online sales skyrocketing thanks to concerns about the health risks of shopping in brick and mortar stores. The delivery vans are buzzing around neighborhoods as never before, scammers are looking to capitalize on this trend.

Scammers are increasing their use of the fake package deliveries. In a typical scam of this type, consumers receive a text message, email,or phone call informing them that they have a package waiting for them or that the delivery service (e.g., FedEx, UPS,or USPS) was unable to deliver a package.  

To get the package delivered, the consumer is asked to click on a link and “verify” personal information or supply payment information (like a credit card or bankrouting number) to reschedule the delivery. In other cases, the scammers’ messages may direct recipients to an authentic-looking website.  Consumers who fall for this scam can end up inadvertently signing up for difficult-to-cancel subscription services. 

These delivery messages can be pretty convincing — but they are fake and generated by scammers trying to extract valuable information from consumers.  As consumers come to rely more on e-commerce for day-to-day needs, they may be more likely to assume these messages are legitimate. 

Here are the steps you can take to reduce your risk: 

  1. Do not click on any links or attachments in text messages or emails claiming to be from a package delivery service. If you receive a phone call from someone claiming to be with a package delivery service, hang up. Do not press “1” (or any other number) to be connected to a representative. 
  2. If you do click on a suspicious link, do not supply any personal information such as your Social Security number, mailing address, credit card number, or bank account routing information, even if it is just to “verify” your identity. 
  3. Do not be alarmed by language in text messages, emails, or phone calls that claim your response is “urgent.” This is a common tactic that scammers use to get you to act before thinking. 
  4. If you are unsure whether you have a package waiting for you, go the delivery service’s website (e.g., amazon.com, usps.com, or ups.com) and enter the tracking number there. 
  5. If you receive a spam text message, you can forward it to short code 7726, which sends the message to the GSMA’s Spam Reporting Service. This is a service run by the major U.S. wireless carriers to help identity trends in scam texts.