Tips on How to Spot a Fraudulent Message
/ Vice President, Client Services
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Every day someone is trying to get your personal information. The Federal Trade Commission reports Americans lost $57 million to phishing schemes in 2019. Your banking information is especially valuable, with scammers using email, text messaging, and phone calls to get to it.
What to Look For
Phishers often use a story to trick you into clicking on a link. Be wary of any communications that:
- Alerts you to suspicious activity or log-in attempts
- Claim there’s a problem with your account or your payment information
- Creates a sense of urgency with subject lines like “Your account is about to expire” or “You will lose access”
- Say you must confirm some personal information
- Include a fake invoice
- Want you to click on a link to make a payment
- Say you’re eligible to register for a government refund
- Offer a coupon for free stuff
What INB Won’t Do
INB will never send a text or email asking for the following:
- Your account number.
- Your username.
- Your debit card PIN.
- Your birth date.
- Your address.
- Your social security number.
What INB Will Do
Our staff routinely calls customers to make sure they’re aware of account benefits or request an email address for our files. How do you know it’s us? First of all, we won’t ask for any personal information as we already have it. We know your account number and birth date. And we will never, ever ask for your PIN, for example. If you get a call from INB and question the validity, call us at our 800 number and ask for the individual who called you. That number is 1-877-771-2316.
We periodically send marketing emails about products or bank updates. If you question one of our emails, please call, and we can confirm if we emailed you or not.
What You Can Do
You can help protect yourself by:
- Use long passwords or even better, passphrases. Think 12-14 characters in length. You don’t necessarily need to use a complex password, though some sites may still require them. Remember to change your passwords regularly.
- Avoid public Wi-Fi in general, but especially for sites where you are looking at or entering sensitive information.
- Check your credit report. If you find anything out of place, report it immediately to the credit reporting agencies and they will issue a fraud alert on your account. You may also want to consider a credit freeze. You’ll find details on fraud alerts and credit freezes on the Federal Trade Commission
- If you want to contact us, you can also email; we recommend using the secure email within your digital bank account. Then we can/will reply from the same space.
- Use our chat feature within digital banking. We have someone manning our chat from 8 a.m. to 5 p.m. Monday-Friday.
- When you call us to ask account information, we will ask you to provide answers to security questions or other identifying information. Please be patient with our requests for information.
If you receive something questionable that you suspect might be from INB, please call us at 1-877-771-2316.