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| EMAIL
FRAUD ("PHISHING") |
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You
may have experienced or read about recent
incidents of unsolicited email messages
masquerading as legitimate companies
that deceive recipients into divulging
confidential personal and financial information.
This type of email solicitation is called
"Phishing" (also referred to
as "brand
spoofing"). Phishing occurs when
a consumer receives a deceptively-legitimate
looking email from what appears to be
a reputable company. Often "phishing" spam
messages will use legitimate 'From:'
email addresses, logos and links of reputable
businesses in the message. But the message
instructs you to click on a web link
that sends you to a fake website where
you are asked to provide personal information
to the scam artists. Such sites will
ask for information such as your name,
address, phone number, date of birth,
Social Security Number (SSN), Personal
Identification Numbers (PINs), passwords,
and bank or credit card account number.
Providing this kind of information can
leave consumers at risk for identity
theft. |
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| HOW
TO HELP PROTECT YOURSELF ONLINE |
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There
are ways in which you can help protect
yourself when shopping online and from
fraudulent emails (phishing attempts)
claiming to be from a bank, credit card
company or other popular internet web site
that requests your personal or banking
information. |
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| 1. |
USE
ONLY SECURE INTERNET BROWSERS THAT ALLOW
SECURE TRANSMISSION OF DATA. Be sure
to identify security clues such as the
'closed lock' icon at the bottom of the
browser or a URL that begins with https://.
These signs indicate that only you and
the merchant can view payment information. |
| 2. |
ONLY
GIVE CARD DETAILS WHEN YOU INITIATE A
PURCHASE. |
| 3. |
BEFORE
MAKING A PURCHASE, CHECK THE SITE'S DELIVERY
AND RETURN POLICIES TO ENSURE THAT ITEMS
CAN BE RETURNED IF THEY ARE NOT IN SATISFACTORY
CONDITION. |
| 4. |
KEEP
A RECORD OF TRANSACTIONS AND REVIEW MONTHLY
STATEMENTS THOROUGHLY. |
| 5. |
NEVER
RESPOND TO AN EMAIL REQUEST FOR PERSONAL
OR ACCOUNT INFORMATION, EVEN IF IT APPEARS
TO BE FROM A TRUSTED SOURCE.
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| 6. |
IF
YOU RECEIVE AN EMAIL PRETENDING TO BE
FROM A MEMBER OF FIRST UNITED BANK THAT
ASKS FOR PERSONAL OR FINANCIAL INFORMATION,
DO NOT REPLY OR CLICK ON THE
LINK IN THE EMAIL. First United Bank
will never send you an email asking
for confidential information such as
account numbers, passwords, PIN numbers,
credit card numbers or Social Security
Numbers. To ensure that the email is
legitimate, contact us immediately. |
| 7. |
DELETE
UNSOLICITED EMAILS THAT ASK FOR PERSONAL
INFORMATION. If you suspect you have
provided confidential information to
a fraudulent site, contact the customer
service number on the back of your card
or your account statement. |
| 8. |
ALWAYS
ENTER FIRST UNITED BANK'S WEBSITE
USING YOUR BOOKMARKS OR ANY OF OUR PUBLISHED
URLS. |
| 9. |
REVIEW
YOUR FINANCIAL STATEMENTS REGULARLY FOR
UNAUTHORIZED OR SUSPICIOUS TRANSACTIONS. |
| 10. |
NEVER
SEND PERSONAL AND/OR FINANCIAL INFORMATION
VIA UNSECURED EMAIL. |