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Rising trends in fraud reflect a shift toward increasing reliance on the internet and mobile device technology for banking. Because of this, Merrimack County Savings Bank urges you to be proactive in securing electronic information and to report any unusual activity.
Below are common types of fraud most popular in banking today. Use the questions following each fraud type as a checklist for keeping your identity and accounts safe.
Social Engineering happens when customers are tricked into providing confidential information such as passwords or account numbers. It includes:
Questions to consider for social engineering:
Malware or viruses are programs or files that are harmful to a computer and its user, including viruses, worms, Trojan horses and spyware. Spyware is programming that gathers information about a computer without the user’s permission.
Questions to consider for malware and viruses:
Missing Banking Information can include bank statements, checks ordered but not received and sensitive information stolen from waste receptacles.
Questions to consider in regards to missing banking information:
If you fall victim to these or other suspicious activity, Contact us immediately at 603-225-2793. Be sure to report all suspicious contacts to the Federal Trade Commission through www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT. If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:
You can also visit our security page for information on cyber security and suggestions on how to best protect yourself.