Keeping our customers informed and protected is a top priority for us. Fraud is a growing problem that we see more of every day. We take security measures within the bank such as daily spending limits on debit cards and requiring password changes for your internet banking login. While we protect the information you have entrusted to us there are measures you can take at home to keep your personal information secure.
Do not ever give your personal information to someone over the phone. Some callers can be very persuasive and will commonly use scare tactics to make you tell them what they want to know. The following entities will NEVER call you to threaten your benefits, tell you to wire money, send cash or put money on gift cards: Social Security Administration (SSA), Internal Revenue Service (IRS), your bank. In fact, the SSA and IRS only correspondent through the US Postal Service.
Anyone who tells you to do these things is a scammer. Never give any part of your social security number, bank account or credit card number to anyone over the phone. When in doubt, ask them for a number to call them back or call your bank. Scammers have the ability to make it appear they are calling from any number (even the below bank and SSA numbers). If you are questioning the call, hang up and call them back or call your bank.
Each year you are entitled to a free credit report from each of the 3 credit bureaus. Visit www.annualcreditreport.com to request yours. It is important that you are regularly monitoring your credit report. If there is anything unusual immediately call to place a freeze on your credit.
Important Numbers To Know
Libertyville Savings Bank (641) 472-9839
Social Security Administration 1 (800) 772-1213
Transunion 1 (888) 909-8872
Equifax 1 (800) 685-1111
Experian 1 (888) 397-3742
For more information on how to protect yourself from identity theft visit the US Department of Homeland Security’s Cyber Security Awareness site.
Cyber Security During COVID-19
The Cybersecurity and Infrastructure Security Agency (CISA) warns individuals to remain vigilant for scams related to Coronavirus Disease 2019 (COVID-19). Cyber actors may send emails with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. Exercise caution in handling any email with a COVID-19-related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19.
CISA encourages individuals to remain vigilant and take the following precautions.
- Avoid clicking on links in unsolicited emails and be wary of email attachments.
- Use trusted sources—such as legitimate, government websites—for up-to-date, fact-based information about COVID-19.
- Do not reveal personal or financial information in email, and do not respond to email solicitations for this information.
- Verify a charity’s authenticity before making donations. Review the Federal Trade Commission’s page on Charity Scams for more information.
- Review CISA Insights on Risk Management for COVID-19 for more information.
KnowBe4 Security Tips - The Shock Factor: Don’t Take the Bait!
One of the most common and successful tricks cyber criminals use to trigger you into falling for their scams is fake “stressor events”. In this context, “stressor events”, are shocking or compromising situations that inflict fear or provoke other emotions, for the purpose of causing an impulsive reaction.
How it works:
When the bad guys present a shocking claim to an unknowing victim, they often add a sense of urgency to drive home the “importance” of the scenario. In reality, this sense of urgency is another factor increasing the chances that you’ll react impulsively and click on their malicious links or download their dangerous attachments. Attackers explain their fake scenarios in the body of their phishing emails, but they’re also known for using shocking subject lines such as, “Act Now: Fraudulent activity on your checking account”. Though these tactics certainly aren’t limited to phishing emails, scammers also use these techniques in Smishing (SMS, or text phishing) and Vishing (voice phishing) attempts.
How to avoid falling victim to pressure:
The reason these attackers are often successful is because they‘re convincing the target to either avoid a negative consequence or gain something of value. Stop and think about the likelihood of the scenario before making the wrong move.
- Never open an attachment you weren’t expecting. Even if it appears to be from someone you know, pick up the phone to verify it’s legitimate.
- If the sender of the email is difficult to get in touch with or unwilling to speak on the phone, it’s likely a scam.
- If the sender requests that you send or receive money in unusual ways it’s probably a scam. For example, if they’re requesting a payment in the form of gift cards, don’t fall for it!
Stop Look Think - Don't be fooled
The KnowBe4 Security Team