Phishing is a funny sounding word with serious meaning. This term refers to unscrupulous online activity by hackers of sending emails or text messages impersonating reputable companies. In these emails, cyber criminals try to trick you into giving out personal information such as passwords, bank account, social security and credit card numbers in order to illegally gain access to your identity and your money.
Common Phishing Scams Include:
Claiming That Your Account Has Been Hacked and Asking You To Verify Your Account Details. Often, these correspondences warn that suspicious activity has been noticed related to your account and that immediate action needs to be taken. Don’t fall for it. Century Next Bank and the majority of reputable businesses will not ask you to confirm account information this way.
Sending You Notice That You Need to Pay a Fee Immediately in order to Maintain Access To a Subscription Service. Reputable companies generally give advanced notice of subscription expirations. Always check independently with customer service to verify the validity of the request and ask about the most secure means to make the transaction if needed.
Appealing to Your Good Nature by Requesting Help for an Individual in a Dire Situation or for a Donation to a Fake Charity. Scammers love to create a sense of urgency in order to pressure for fast decisions that they claim will greatly impact others’ lives.
The best way to avoid becoming a victim of Phishing is to simply not respond to any communication that you feel could be the least bit suspect. Follow up by other means with the represented company if necessary.