Email phishing is an online scam designed to trick you. Cyber criminals use many different tactics in order to get you to do something they want. They send harmful emails that look legitimate. Their purpose is always to get you to take a specific action. This action could be giving out your personal information, downloading dangerous computer software, or cashing a check for them as part of the scam.
Email Phishing Examples
For example, you may receive an email that looks like it is from Monmouth FCU, asking for your account number. Maybe, it states that we’ve lost your social security number and need you to call or email with that information. As part of this phishing scheme, members are typically asked to click on a link, then asked to enter private information or download software.
Another example, is an email that comes from someone you don’t know. It has an email attachment and talks about a deposit, refund, or something else to do with money. You aren’t expecting this email, but it has you curious. So, you double click the attachment. Suddenly, all files on your computer are encrypted and can no longer be accessed. This email scam is called Cryptolocker. Chances are, you will need to pay a ransom to get the decryption key.
Protect Against Email Phishing
Always be very cautious when checking your email. Don’t click on unsolicited attachments. Keep in mind that harmful email attachments can also come from someone you know, if their computer is infected with a virus.
Never give out personal information that is being solicited by anyone. Reputable companies will never ask for your personal information this way. If you are suspicious, don’t call the number in the email. Instead, open your internet browser and go to the official website for the company. Contact a customer service representative using the number on the official website.
If you think your banking information has been compromised, please call us immediately.
Also, keep in mind that Monmouth FCU will never:
- Ask you for sensitive account information via text message or email.
- Encourage you to download software in an email.
- Instruct you to update your personal information online or by dialing a telephone number.