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Online banking is convenient, but it requires some vigilance on your behalf. Otherwise, you might fall prey to a phishing scam, which can be financially devastating. The good news is that there is no reason you should become a victim of this type of fraud—if you know what it is and how you can protect yourself.

What Are Phishing Scams?

Phishing scams are usually carried out through email, social media, or messaging services. The cybercriminal committing this scam is fishing for information from you. For example, you may receive an email or message evidently from a company you do business with, such as your bank. That email contains a link asking you to reset your password for online banking, but the old password you provide is sent to the fraudsters instead. They can then use that password to gain access to your checking accounts.

How Can You Protect Yourself?

online bankingYou can protect yourself from phishing scams by being careful online. If you know the signs, you’ll quickly determine when fraudsters are masquerading as someone you trust and not fall into the trap. Here are some signs to look for:

  • Wrong—often only slightly off—sender address
  • Shortened or mismatched URL
  • An offer that’s too good to be true
  • A request for personal or account information
  • Poor spelling and grammar

As a rule of thumb, you should never give out any personal or account information via email. If you didn’t ask to reset your password for online banking, then you shouldn’t open a password-reset link. Before you take action on an email, you should verify the sender. Did it really come from your bank?

 

You can keep your financial information safe with secure online banking from a bank you trust. Give the staff at First & Peoples Bank and Trust Company a call at (606) 836-0211 to inquire about their banking products. They offer personalized services to set you up with a savings account or mobile banking. They also offer loans for their Russell, KY, customers. Visit their website to learn more.

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