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Protecting Yourself Against Phishing & Spoofing

There are many ways people may try to defraud you or get your personal information to try to use your identity illegally. Many of these scams are online based. Union Savings Bank does not ask for your account or confidential information unsolicited by phone, email or text. If you receive an email that you suspect is fraudulent, regardless of the alleged sender, DO NOT RESPOND to the email. Contact us immediately. Suspicious e-mail can also be forwarded to spam@uce.gov and complaints should be filed with the State Attorney General’s Office or through the FTC at www.ftc.gov.

What is phishing & spoofing?

Phishing is a term coined by hackers to describe forged e-mails they send that imitate a legitimate company's e-mails in order to entice people to share passwords, credit card numbers or other personal information. Hackers will use this data to access personal accounts, financial information and identities that they will then use for fraudulent purposes.

Spoofing is a term that describes Phishing that asks you to supply, confirm, or update personal information by clicking on a link in the e-mail. The link will connect to a web page or log-in that appears to belong to the company mentioned in the e-mail. Often the site looks like the company’s website, but it isn’t. If a customer enters personal data, the hackers who set up the site will steal that information.

What are some ways to avoid phishing & spoofing?

  • Before submitting financial information through a website, look for the “lock” icon on the browser’s status bar. It means your information is secure during transmission.
  • If you receive an unexpected e-mail saying your account will be shut down unless you confirm your billing or other personal information, do not reply or click any links in the e-mail message. At anytime if you are uncertain about a request from an institution, contact the company through an address or telephone number you know to be genuine.
  • If you unknowingly supplied personal or financial information in response to a request you now fear is a scam, contact your bank and credit card company immediately.
  • Passwords and access codes should be kept secret, and changed periodically. Financial institutions will never ask for your username and password.
  • When banking over the Internet, be sure to exit the browser after completing the Internet session, and take precautions to keep your computer free of viruses and spyware that could be used to capture password keystrokes.