Fraud Prevention

Protecting yourself against Fraud

 

Mission Bank DOES NOT request personal information via email.

 

How to Prevent Identity Theft

 

Secure Your Personal Information

By storing your personal information in a locked container, you can provide a layer of security against identity theft. We also recommend the following to protect your personal information from possible identity theft:

  1. Do Not Carry Your Social Security Card: Keep your card in a secure place at home.
  2. Personal Information On The Phone: Only give out personal information over the phone when you have initiated contact. Someone may be impersonating a company representative, so verify the contact is legitimate by calling the company back at the customer service number found in the phone book or on your account statement.
  3. Secure All Financial Statements: Tax Returns, Account Statements, Check Books, Birth Certificates or other personal information should be stored securely in your home. Do not leave it unsecured where it could be accessed by roommates, workmen or guests.
  4. Destroy Your Mail: Any Credit Card offers, Financial Service offers, or Account Statements you plan on throwing away should be shredded then discarded. Personal information can be obtained by a thief who goes looking in the trash for mail (known as dumpster diving).
  5. For more information on preventing Identity Theft and other resources, please see the Federal Trade Commission- Fighting Back Against Identity Theft http://www.ftc.gov/bcp/edu/microsites/idtheft/

 

Online / Internet based Identity Theft Protection Steps

The number and sophistication of phishing and spoofing scams sent out to consumers is continuing to increase dramatically. While online banking is widely considered to be as safe as or safer than in-branch or ATM banking, as a general rule you should be careful about giving out your personal financial information over the Internet. Remember, Mission Bank will never request your personal information via e-mail.

Here is a list of recommendations to follow in order to avoid becoming a victim of scams:

  1. Be suspicious of any e-mail with urgent request for personal financial information. Phishers have been known to include upsetting or enticing (but false) statements in their e-mails to get people to react immediately. More recently, some phishers have toned down their language, as e-mail recipients have become more aware of the use of this tactic. Either way, the e-mail typically asks for information such as user names, passwords, credit card numbers, Social Security numbers, etc.
  2. Be careful of e-mails that are not personalized and/or may contain spelling errors and/or awkward syntax and phrasing. Many phishing e-mails are sent in great bulk and, therefore, are not personalized. If you are suspicious of an e-mail claiming to be from your institution that is not personalized, call your institution before responding. Many also are being sent from other countries from individuals for whom English is a foreign language, thus resulting in misspelled words and awkward syntax and phrasing.
  3. Be careful of personalized e-mails that ask for personal financial information. Be suspicious of any e-mail that contains some personal financial information, such as a bank account number and asks for other information, such as a PIN. Mission Bank will never ask for or send you personal financial information by e-mail.
  4. Do not use links in an e-mail to get to any Web page. You may be diverted to a fraudulent website. Instead, call the bank on the telephone to confirm the address, or log onto the Web site directly by typing in the official Web address in your browser.
  5. Do not complete forms in e-mail messages that ask for personal financial information. Mission Bank would never ask you to complete such a form within an e-mail message.
  6. Only communicate information, such as credit card numbers or account information, via a secure Web site or the telephone, and only if you initiate the telephone call. When submitting financial information to Web site, look for the padlock or key icon at the bottom of your browser. A secure Web server designation can be found by checking the beginning of the Web address in your browser's address bar the address should begin "https://" rather than just "http://" While you cannot be completely sure that a Web site is secure when its address starts with "https," you can be sure the Web site is not secure when it does not start with "https."
  7. Regularly log on to your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate. One of the real advantages of banking online is being able to regularly review your account for unauthorized or unusual activity. If anything is suspicious, contact Mission Bank and all card issuers immediately.
  8. Ensure that your browser is up to date and security patches applied. Always visit your browser's home page to download the latest security updates even if they do not alert you to do so.
  9. Use online statements when available to reduce the volume of paper mailed and lock up or shred any paper statements. Paper today is the cause of more actual instances of identity fraud than are electronic thefts.
  10. Computer and Internet Usage: If you store personal information on the computer, you may benefit from taking these precautions:
    • Use Virus Protection Software and update the software regularly. Setup automatic updates, if available.
    • Update your Operating System and Internet Browser Software regularly. Setup automatic updates, if available.
    • Obtain and install a spyware prevention program. This will scan for programs running on your computer that collects private information from you and sends it to other people or companies.
    • If you have high speed internet service through a cable, satellite, DSL, wireless or other provider you should install a hardware based firewall. If you use dial up internet you should install a software based firewall. Depending on your operating system and browser this may already be built into your computer but you may wish to install a more powerful 3rd party firewall system.
    • When transferring confidential information over the internet, make sure the connection is secure by looking for the secure lock icon in the browser status bar.
    • Never open up email from addresses that you don't know. Also, don't open files or click on links from unknown email addresses. You may accidentally install spyware programs on your computer that can collect information about you.
    • Remember that we will never email you asking for personal information. Watch out for email scams that appear to ask for you to update your account information by clicking a link. Always contact the company first by the calling the customer service telephone number on your account statement or in the phone book; or type in the company's official website address into your browser and then proceed to login to your account. A common technique of these scams is to imply your account will be turned off unless you respond right away.
Mission Bank
     
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