WHAT IS PHISHING?
'Phishing' is the crime of trying to acquire personal information, such as Social Security numbers (SSN), account information, credit or debit card numbers, user names, and passwords by fraudulent means. The bad guys frequently send e-mails or instant messages, posing as someone else, and ask you to verify your personal information or credentials. Legitimate service providers will never ask for information this way. To protect yourself from becoming a victim of this form of ID theft, never respond to these e-mails or instant messages.
A few years ago, phishing emails were text-heavy and sprinkled with spelling errors and poor grammar, but as internet users grow savvier, phishers do, too - their writing and design skills are sharper, creating messages that are more difficult to see through.
Tips to Avoid Scams
Things you should do:
- Use anti-virus, anti-spyware and firewall software (update them regularly too).
- Be cautious about opening any attachments or down loading files you receive, regardless of who sends them.
- Key in the URL in the address bar yourself, or call the Customer Service number on the back of your card.
- Monitor your account for suspicious activity: The best way to prevent identity theft damage is to catch suspicious activity early. We recommend logging into your NetSpend Online Banking page frequently to verify that all transactions you see there are legitimate.
- Check a website's security: Only enter your payment or personal information on secure websites. Check that a website is secure by looking for the closed lock symbol near the bottom of your browser window.
Things you should never do:
- Reply to an email or pop-up message that asks for personal or financial information.
- E-mail personal or financial information.
- Click on any e-mail or social media messages you don't expect or need.
- Fill out any forms embedded in an email.