How to avoid scams this holiday season!
Date Posted: Dec 09, 2019

 

Holiday shopping season is here, and that presents plenty of opportunities for scammers to spoil your festivities.  With a little preparation, you can cut down on the threat of becoming a scam victim this holiday season!  

  • A hacker may impersonate a senior staff member and send out spoof email to internal staff, members, vendors, to have fake invoices paid.
  • Be skeptical of emails, messages or websites that contain misspelled words or contain grammar errors. Email and web addresses should be examined for differences. For example, fedex.com might be changed to feddex.com
  • Scammers may send text or email messages impersonating a reputable company typically asking the consumers to provide usernames and passwords that can be used to commit financial crimes.  Always check the email address or call the company to verify this information is required
  • Everybody loves a great deal. But shocking offers, unbelievable discounts and unreal rates are usually too good to be true. Do your research before making a purchase.

 

FRAUD PREVENTION

The good news is you can protect yourself from these types of cyber fraud by including a few basic measures in your daily online routines.

·        One of the easiest and most important things you can do is to get in the habit of using strong password practices.

·        Using two-factor authentication (also known as 2FA or multi-factor authentication) provides an added layer of security for account access.

·        Never log into your online banking account or mobile app while you are on a public computer or connected to public wi-fi. This allows hackers to easily steal your account credentials.

·        If you receive a random email from a reputable company, and they are asking for you to provide your sensitive information or credentials, be cautious, this may very well be a phishing email. Legitimate organizations should never ask for your personal information by email.

·        Never trust an email display name, always review and verify the actual email address.

·        Be cautious of any link or attachment provided in an email.

·        Check for spelling and grammar errors in the body of the mail. Phishing emails always have incorrectly spelled words. 

·        Check the salutation, you should be addressed by your name.

·        Any requests for payment should be highly examined and verified by telephone call (using number on file not in email) or in-person visit.

·        Check the signature, a corporate signature should have business contact details.

·        Don’t click on any attachments!

·        Be cautious of receiving a mail offer which guarantees you have won. Prizes might range from car to trips. If you have not entered a contest, it’s probably a scam!

 

Finally, be sure to check your account balances & statements frequently (even more during this holiday season!). Look for unknown or suspicious account activity. If you see a transaction you don’t recognize, immediately give us a call. 

Our Raymore Credit Union Collabria Credit Card offers real-time fraud text alerts to your mobile phone.  Fraud text alerts can help you prevent fraudulent transactions from occurring on your credit card.  Login to your “MyCardInfo” to register for these text alerts.  https://www.mycardinfo.com/ 

 

 

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