In response to multiple calls from customers about a fraudulent call asking for Visa information to reactivate your debit card. If you would like to ensure your card is still active, you can call the number on the back of the card.
If someone you don't know calls you on the telephone and requires ANYTHING from you in exchange for personal information, hang up. The FBI says, "Never give your credit/debit card number over the telephone unless you make the call."
Online Banking Checklist
- Don't allow your computer programs and browsers to save your password(s). For example, when you encounter a pop-up box that asks if you would like your password to be remembered, always click "NO". Saying "OK" can give anybody using your computer access to your personal information.
- Protect you Password. Your Password, along with your Account Number, are the access keys to your financial information. Make sure you memorize your Password and do not reveal it to anyone.
- Do not send personal information (such as Social Security number, account numbers, passwords, etc.) through email.
- You should always access the Peoples website by opening up a browser window and typing the address directly into the address bar of the browser. Don't ever access it through a link sent to you. It may take you to a site that looks like Peoples, but isn't.
- While logged into any online account, do not leave your computer unattended. Although inactivity while logged into your Peoples account will force your session to time out, it is advisable to log out when you're done.
- We recommend avoiding the use of public or shared computers for Internet banking. Many are OK for just surfing, but don't access sensitive information or use a log in and password. You never know if that PC is properly secured.
10 Tips to Protect Your Identity
Before you reveal any personal information, find out how it will be used and if it will be shared.
Don't carry your Social Security card; leave it in a secure place.
Deposit your outgoing mail in post office collection boxes or at your local post office.
Promptly remove mail from your mailbox after delivery.
Ensure mail is forwarded or re-routed if you move, change your mailing address, or arrange for pick-up if you are away for an extended period.
Do not give out personal information on the phone, through email or over the Internet unless you have initiated the contact or know with whom you're dealing.
Keep items with personal information (e.g. bank statements, receipts, tax records) in a safe place.
An identity thief can pick through your garbage or recycling bins. Be sure to shred receipts, copies of credit applications, insurance forms, physician statements, and credit offers you get in the mail.
Check your financial statements on a regular basis and report any suspicious activity.
- When disposing of a computer or other electronic storage device, make sure to remove all personal data first.
How Not to Get Hooked by a 'Phishing' Scam
Internet scammers casting about for people's financial information have a new way to lure unsuspecting victims: They go "phishing" .
Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.
According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a business or organization that you deal with - for example, your Internet Service Provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information. It might threaten some dire consequence if you don't respond. The message directs you to a Web site that looks just like a legitimate organization's site, but it isn't. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.
The FTC, the nation's consumer protection agency, suggests these tips to help you avoid getting hooked by a phishing scam:
- If you get an email or pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address. In any case, don't cut and paste the link in the message.
- Don't email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization's Web site, look for indicators that the site is secure, like a lock icon on the browser's status bar or a URL for a website that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
- Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
- Use anti-virus software and keep it up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Antivirus software and a firewall can protect you from inadvertently accepting such unwanted files. Antivirus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically. A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It's especially important to run a firewall if you have a broadband connection. Finally, your operating system (like Windows or Linux) may offer free software "patches" to close holes in the system that hackers or phishers could exploit.
- Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.
- Report suspicious activity to the FTC. If you get spam that is phishing for information, forward it to firstname.lastname@example.org. If you believe you've been scammed, file your complaint at www.ftc.gov, and then visit the FTC's Identity Theft Web site at www.consumer.gov/idtheft to learn how to minimize your risk of damage from ID theft. Visit www.ftc.gov/spam to learn other ways to avoid email scams and deal with deceptive spam. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.