Email and Text Message Fraud
Email and Text Message Fraud
Phishing
Phishing is a type of scheme that uses fraudulent email, web pages and text messages to gather personal, financial and sensitive information for the purpose of identity theft. Most commonly, users receive spam email (mass email messaging), text messages and pop-up windows that appear to come from legitimate businesses. People have been tricked by these deceptive solicitations into sharing passwords, social insurance, credit card and bank account numbers.
How phishing works
Phishing emails and text messages are often sent out as spam to numerous recipients and appear to come from legitimate businesses, sometimes even duplicating legitimate logos and text. Within a phishing email, you may be requested to click on a link that takes you to a fraudulent site or pop-up window where you are asked to submit personal and financial information. A phishing text message may request that you send personal information back to the sender through text message or call a phone number.
In order to increase the chances of a response, messages may imply a sense of urgency or an immediate risk to bank accounts or credit cards if you fail to answer. Special offers and prizes may also be promoted as incentives.
What phishers do with your personal information
Phishers can access your accounts using your passwords and other information to withdraw money or make purchases. Personal information can also be used by phishers to open new bank or credit card accounts in your name.
What to look for in a valid message from BANKU
The message below illustrates some of the email components that are acceptable in an email coming from BANKU. BANKU will never send you an email or text message asking you for personal or financial information.
A valid BANKU message:
A valid email message from BANKU will contain items including personalized messages, images consistent with BANKU branding and no mention of urgency in their messaging.
Signs that your message may be a phishing email
The message below illustrates some of the email components that are not acceptable in aBANKU email. In this example, phishers used a valid email name "BANKU Thanks you", but the actual email address did not belong to BANKU.
You can verify email addresses by viewing the properties of the address.
Your email application will often show the actual address in brackets in the "From" field. For example, with this email address: BANKU Thanks You < abd@abd.org >, the actual email is from abc.org and not BANKU.
Alternatively, you can right click on the address and select "Properties" to determine the actual address of the sender.
Signs that you may have encountered a phishing email include any requests to provide account information or re-activate an account via email through an unsolicited message.
BANKU is continuously working to ensure your security against phishing schemes.
Any unsolicited email that appears to be from BANKU or any organization with which you do business including a request that you click a link and re-enter your personal information or password, should prompt you to contact the company directly. Type www.BANKU.com or the business' website address directly into your browser instead of using the link in the email. If you are unsure of the authenticity of an email, please delete it.
If you receive a text message that appears to be from BANKU with any requests to you send personal information, do not respond to it. Instead forward it to fraud@BANKU.com.
Solicited emails that respond to customer requests
Welcome emails
Emails that have live links to other BANKU marketing content, but only written URLs (non-live links) to a website
BANKU does not send emails:
Asking customers to provide, confirm or update personal records
From a third party address or link to a third party site
Containing no information about why a customer is receiving email
Requiring an urgent response
Becareful with scam email any body that will send you such a email report it to the FBI..
Phishing
Phishing is a type of scheme that uses fraudulent email, web pages and text messages to gather personal, financial and sensitive information for the purpose of identity theft. Most commonly, users receive spam email (mass email messaging), text messages and pop-up windows that appear to come from legitimate businesses. People have been tricked by these deceptive solicitations into sharing passwords, social insurance, credit card and bank account numbers.
How phishing works
Phishing emails and text messages are often sent out as spam to numerous recipients and appear to come from legitimate businesses, sometimes even duplicating legitimate logos and text. Within a phishing email, you may be requested to click on a link that takes you to a fraudulent site or pop-up window where you are asked to submit personal and financial information. A phishing text message may request that you send personal information back to the sender through text message or call a phone number.
In order to increase the chances of a response, messages may imply a sense of urgency or an immediate risk to bank accounts or credit cards if you fail to answer. Special offers and prizes may also be promoted as incentives.
What phishers do with your personal information
Phishers can access your accounts using your passwords and other information to withdraw money or make purchases. Personal information can also be used by phishers to open new bank or credit card accounts in your name.
What to look for in a valid message from BANKU
The message below illustrates some of the email components that are acceptable in an email coming from BANKU. BANKU will never send you an email or text message asking you for personal or financial information.
A valid BANKU message:
A valid email message from BANKU will contain items including personalized messages, images consistent with BANKU branding and no mention of urgency in their messaging.
Signs that your message may be a phishing email
The message below illustrates some of the email components that are not acceptable in aBANKU email. In this example, phishers used a valid email name "BANKU Thanks you", but the actual email address did not belong to BANKU.
You can verify email addresses by viewing the properties of the address.
Your email application will often show the actual address in brackets in the "From" field. For example, with this email address: BANKU Thanks You < abd@abd.org >, the actual email is from abc.org and not BANKU.
Alternatively, you can right click on the address and select "Properties" to determine the actual address of the sender.
Signs that you may have encountered a phishing email include any requests to provide account information or re-activate an account via email through an unsolicited message.
BANKU is continuously working to ensure your security against phishing schemes.
Any unsolicited email that appears to be from BANKU or any organization with which you do business including a request that you click a link and re-enter your personal information or password, should prompt you to contact the company directly. Type www.BANKU.com or the business' website address directly into your browser instead of using the link in the email. If you are unsure of the authenticity of an email, please delete it.
If you receive a text message that appears to be from BANKU with any requests to you send personal information, do not respond to it. Instead forward it to fraud@BANKU.com.
Solicited emails that respond to customer requests
Welcome emails
Emails that have live links to other BANKU marketing content, but only written URLs (non-live links) to a website
BANKU does not send emails:
Asking customers to provide, confirm or update personal records
From a third party address or link to a third party site
Containing no information about why a customer is receiving email
Requiring an urgent response
Becareful with scam email any body that will send you such a email report it to the FBI..
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