In this day and age, most everyone is aware of phishing scams and does their best to avoid falling prey to their tricks. With such a high level of awareness, you might think that the volume of thieves out there creating phishing scams has decreased. The unfortunate truth though, is that innocent consumers still fall victim to scams every day, as criminals get better and better at their job of fooling every-day people. Fortunately for you, RMLEFCU has a policy to educate our members on these internet-related fraudulent schemes and how to avoid them.
Access Sites Directly
RMLEFCU advises that you not access the Credit Union’s webpage from a link on a third-party site, as it may not be authentic. Always access the site by typing the name or URL address into the browser or use a “bookmark” that directs you straight to the site. This will ensure that you are visiting the actual, secure website instead of a copy or lookalike page.
Beware of Emails Asking for Information
Nowadays, people get so many emails each day that it’s hard to keep track of them all. When going through your inbox, trying to decide which are important and which are spam, it’s easy to see the name of a trusted institution and immediately assume that it is a legitimate email. As a rule of thumb, RMLEFCU will never request confidential information such as account numbers, passwords, or personal identification numbers (PINs) via email. If you receive an email request requesting one or more of these examples, report it to the Credit Union and delete the email immediately.
Ensure Webpages are Secure
When visiting any site where you will be putting in sensitive personal information, always make sure to check that it is secure. You can check this by looking at the URL of the website. If it begins with “https” instead of ”http”, the site is secured using the SSL Certificate. This ensures that all of your data and information is secure when it is passed from your browser to the site’s server. RMLEFCU maintains current website security certificates that safeguard confidential transactions and information. Just make sure to authenticate the site pages before entering in any sensitive material.
Report Suspicious Activity
If you suspect that you have gotten a phishing scam via email, phone call, or other form of communication, reach out to the institution that the message was supposedly sent from at a phone number or email address that you know to be legitimate. This will not only validate whether or not the message was genuine, but, if it was a scam, will allow the institution to alert others and prevent further damage.
Everyone slips up now and then, but by following these precautions, you will drastically lower your chances of falling victim to a phishing scam. Just by getting into the habit of checking websites you visit for the SSL Certificate verification, the chances of your identity or personal information being stolen is significantly reduced.
If you have any questions about RMLEFCU’s policy regarding phishing scams, please visit our website or give us call at (303) 458-6660.