Bank account fraud is on the rise, and the tactics for creating deceptive e-mail messages and websites are getting more sophisticated. That’s why you need to watch out for suspicious 419 E-mails that cunningly ask for your banking information.
- Name and username
- Password or PIN
- Phone number
- Bank account number
- ATM/debit or credit card number
- Card verification value (CVV)
- Social security number (SSN).
“Dear valued bank member, it has come to our attention that your account information needs to be updated due to inactive member, frauds, and spoof reports. Failure to update your records will result in account deletion. Please follow the link below to confirm you data.”
- Disregard such fraudulent email or message by not clicking on any of the links.
- Promptly delete the e-mail, the more it stays on your device, the possibility of it getting a click through.
- It’s not advisable to generate a token for anyone via email, phone, and chat.
- Call your bank if you received such e-mail to verify its authenticity
- If you’re not using the official mobile bank apps of your bank, always access your bank online through its real website.
- Protect your account data jealously by being careful with your email communications.One of the tricky tactics used by fraudsters is to intercept email communications and substitute the information. So make sure to check all emails received to ensure sender’s email address is accurate.
- Up till now, I’ve not seen bank that will ask for your confidential information via emails, so never reply any email that says you should confirm your security details.Always send email communication via email accounts that use HTTPS protocols to provide an added level of security.
- Banks rarely use shortened URL in email communications, when in doubt of any short URL, delete it, or use tools that reveal the URL extension so that you’ll know where you’re be taken.
- E-mail apps let you receive electronic mails on the go wherever you’re, and with the possibility of getting a click through;
- And because mobile devices are not designed in such a way that you can place your cursor on a link to reveal the identity of URL.
- Visit the official website of your bank, avoid the link sent to you via the email, or text message.
- Give details of the fraud incident.
- Don’t open, or click on any attachment via the message sent you, clicking or opening attachment in a phishing email could place your device at a great risk.
- Attach the email in the message you want to forward to the enquiries desk of your bank.
- Or click on “forward” to send to the appropriate authority.