Experience peace of mind with Citizens’ security measures!
Protecting your personal and financial information is important to us. Citizens Bank & Trust provides tips for you to consider in maintaining safe practices with your paper documents as well as your electronic and online transactions.
In case you become a victim of Identity Theft or Fraud, Contact Us immediately.
800-634-6203 or firstname.lastname@example.org
Don’t be a victim of identity theft! Protect your personal information by following these easy tips:
- Keep your Social Security Card, driver’s license, credit cards and debit cards, PINs, passwords, and other personal information secure.
- Pay close attention to activity on your statements.
- Protect your incoming and outgoing mail. Contact the USPS to hold your mail if you’ll be away for an extended period.
- Check your credit regularly.
Free credit reports from each of the three major credit bureaus can be found at www.annualcreditreport.com. Or call or email the bureaus directly:
- Equifax: 1-800-525-6285 or www.equifax.com
- Experian: 1-888-397-3742 or www.experian.com
- TransUnion: 1-800-680-7289 or www.transunion.com
Phishing is when a scammer uses fraudulent emails or texts, or copycat websites to get you to share valuable personal information – such as account numbers, Social Security numbers, or your login IDs and passwords. Scammers use your information to steal your money or your identity or both.
Scammers also use phishing emails to get access to your computer or network then they install programs like ransomware that can lock you out of important files on your computer.
Phishing scammers lure their targets into a false sense of security by spoofing the familiar, trusted logos of established, legitimate companies. Or they pretend to be a friend or family member.
Phishing scammers make it seem like they need your information or someone else’s, quickly – or something bad will happen. They might say your account will be frozen, you’ll fail to get a tax refund, your boss will get mad, even that a family member will be hurt or you could be arrested. They tell lies to get to you to give them information.
Be cautious about opening attachments or clicking on links in emails. Even your friend or family members’ accounts could be hacked. Files and links can contain malware that can weaken your computer's security.
Do your own typing. If a company or organization you know sends you a link or phone number, don’t click. Use your favorite search engine to look up the website or phone number yourself. Even though a link or phone number in an email may look like the real deal, scammers can hide the true destination.
Make the call if you’re not sure. Do not respond to any emails that request personal or financial information. Phishers use pressure tactics and prey on fear. If you think a company, friend or family member really does need personal information from you, pick up the phone and call them yourself using the number on their website or in your address book, not the one in the email.
Turn on two-factor authentication. For accounts that support it, two-factor authentication requires both your password and an additional piece of information to log in to your account. The second piece could be a code sent to your phone, or a random number generated by an app or a token. This protects your account even if your password is compromised.
As an extra precaution, you may want to choose more than one type of second authentication (e.g. a PIN) in case your primary method (such as a phone) is unavailable.
Back up your files to an external hard drive or cloud storage. Back up your files regularly to protect yourself against viruses or a ransomware attack.
Keep your security up to date. Use security software you trust, and make sure you set it to update automatically.
Report phishing emails and texts.
· Forward phishing emails to email@example.com – and to the organization impersonated in the email. Your report is most effective when you include the full email header, but most email programs hide this information. To ensure the header is included, search the name of your email service with “full email header” into your favorite search engine.
· File a report with the Federal Trade Commission at FTC.gov/complaint.
· Visit Identitytheft.gov. Victims of phishing could become victims of identity theft; there are steps you can take to minimize your risk.
· You can also report phishing email to firstname.lastname@example.org. The Anti-Phishing Working Group – which includes ISPs, security vendors, financial institutions and law enforcement agencies – uses these reports to fight phishing.
Common Online Scams"Free" Security Scans: Alarming messages on your computer warning that a ‘free’ scan has found malware could be a rip-off.
Scammers have found ways to create realistic but phony “security alerts.” Though the “alerts” look like they’re being generated by your computer, they actually are created by a con artist and sent through your Internet browser. These programs are called “scareware” because they exploit a person’s fear of online viruses and security threats.
You might have been hacked if:
- friends and family are getting emails or messages you didn’t send
- your Sent messages folder has messages you didn’t send, or it has been emptied
- your social media accounts have posts you didn’t make
- you can’t log into your email or social media account
In the case of emails with random links, it’s possible your email address was “spoofed,” or faked, and hackers don’t actually have access to your account. But you’ll want to take action, just in case.Online Dating Scams:
Millions of Americans use dating sites, social networking sites, and chat rooms to meet people. And many forge successful relationships. But scammers also use these sites to meet potential victims. They create fake profiles to build online relationships, and eventually convince people to send money in the name of love. Some even make wedding plans before disappearing with the money.
An online love interest who asks for money is almost certainly a scam artist.
The relationship may not be what you think, especially if your sweetheart:
- wants to leave the dating site immediately and use personal email or IM
- claims love in a heartbeat
- claims to be from the U.S., but is traveling or working overseas
- plans to visit, but is prevented by a traumatic event or a business deal gone sour
Scammers also like to say they’re out of the country for business or military service.
You may lose your heart, but you don’t have to lose your shirt, too. Don’t wire money to cover:
- medical emergencies
- hotel bills
- hospital bills for a child or other relative
- visas or other official documents
- or losses from a temporary financial setback
Don’t send money to tide someone over after a mugging or robbery, and don’t do anyone a favor by making an online purchase or forwarding a package to another country. One request leads to another, and delays and disappointments will follow. In the end, the money will be gone along with the person you thought you knew.
Citizens Bank & Trust takes extensive measures to ensure your online banking safety. We encourage our customers to take additional steps that can secure your personal safety even further.
- Install security software on your computer.
- Avoid giving your personal information online. If you must, make sure you are on an encrypted site. An encrypted site will start with an https (the ‘s’ represents security) instead of http.
- Change your passwords frequently. Mix letters, numbers, and symbols of at least 10 characters for a strong password.
- Set up alerts for your financial accounts so you know what transactions occur.
- Never access your accounts using public Wi-Fi.
- Contact Us immediately if identity theft or fraud is suspected.
Protecting your privacy is important to Citizens Bank & Trust. Our Privacy Statement is designed to help you understand what information is collected and how it is used. This statement serves as guidelines for Citizens’ employees in practice for collection, use, retention and security of nonpublic personal information.
Privacy Statement – PDF attached.