On a daily basis, consumers and businesses are subject to malicious attacks from cyber criminals and fraudsters who are highly skilled at stealing information and financial resources. During the holiday season, they are still at work using different stories and techniques to compromise as much information and financial resources as they can.
Throughout this time of year, scammers capitalize on our willingness to give to charitable causes. Additionally, they understand there is a need for financial support because of increased spending. They also might look to provide an opportunity to give to a charity for the holidays or in the event of a natural disaster. No matter what the cause, always give to organizations that are known and trusted.
NBT Bank wants to give you the tools to recognize red flags and know the proper resources to report them so you don’t become a victim. Read below to understand more about what kind of scams are out there.
- Shop safely. Make sure websites you’re shopping on use secure technology. You can check by making sure the web address begins with “https”. You should also see a small padlock image on the page.
- Verify charitable organizations. During the holiday season, or during natural disasters, fraudsters come up with phony charity organizations to get money. Only donate to organizations you know and trust.
- Know who is loaning money. Legitimate financial institutions never ask for online banker credentials as part of a loan application. Work with one that you are familiar with.
- Don’t click on suspicious emails. If you get an email from someone you don’t know asking you to click on a link or attachment, ask yourself some questions first. If it doesn’t make sense, delete it.
- Don’t pick up the phone if you don’t know who is calling. Fraudsters might try and spoof phone numbers to make it look like someone you know is calling, but it might not be who you think it is.
Make sure to keep an eye on your account for any unusual activity. We are committed to protecting your information. Contact your financial institution immediately if you see something that doesn’t make sense.