Unmasking Phishing Emails: A Guide to Staying Protected Online.

Attention, dear members/friends! In today’s digital world, phishing emails are the modern-day tricksters trying to pull the wool over our eyes. These deceptive messages may appear genuine, but their true aim is to get a hold of our private details. Don’t fret! Let’s explore some simple guidelines to help you identify these imitators and ensure you stay protected online.
 

• Unexpected Emails: If you receive an email, you weren’t expecting or looks suspicious, especially one asking for personal or financial information, be wary. Delete it and do not open it!
• Check the Sender: Look at the sender’s email address closely. It might look official at first glance, but often phishers will use an address that’s slightly misspelled or has extra characters. Hover over links to check the URL before clicking.
• Generic Greetings: Many phishing emails start with generic greetings like “Dear Customer” rather than using your actual name.
• Urgent Action Required: Be cautious of urgent requests, phishers often try to scare you into action, like claiming your account will be closed unless you update your information immediately.
• Suspicious Links: Hover over any link in the email (without clicking) to see where it leads. If the web address looks strange or doesn’t match the supposed sender’s website, don’t click!
• Spelling and Grammar: Check for spelling and grammar errors. Phishing emails often contain spelling and grammar mistakes, so be vigilant for any such errors. Poor grammar, spelling mistakes, or awkward phrasing can be red flags.
• Too Good to Be True: If an email promises amazing deals or alerts you that you’ve won a contest you don’t remember entering, be cautious.
• Be wary of requests for personal information: Legitimate organizations typically do not ask for personal information, such as passwords or social security numbers, via email.
• Attachments: Be careful with emails that include unsolicited attachments, as these can contain malware.
• Verify website security: Before entering sensitive information on a website, ensure that it is secure by checking for a padlock icon in the address bar and that the URL starts with https://
• Keep software up to date: Regularly update your operating system, web browsers, and security software to ensure you have the latest protection against phishing attacks.
• Check with the Source: If ever in doubt, contact the company or person directly using a phone number or website you know is legitimate. Don’t use contact details from the suspicious email.
• Educate yourself: Stay informed about the latest phishing techniques and scams by reading articles, attending webinars, or participating in security awareness training programs.

 
 
 
In conclusion, as we navigate the digital landscape, the threat of phishing emails remains ever-present. These deceptive messages aim to exploit unsuspecting users, making awareness and precaution paramount. By arming ourselves with knowledge and adopting proactive measures, we can effectively counter these cyber threats. Always verify before you trust, and remember: in the realm of online communication, vigilance is our strongest ally. Stay informed, stay safe. If you have any further questions or concerns, please reach out to our call center here, or you can contact our Network Security Analyst, Stanley Meyer.
 

Post Author:
Stanley Meyer
Network Security Analyst
281.436.5496
smeyer@gcefcu.org

The opinions expressed on this page are for informational purposes only and is not intended to provide legal or financial advice. The views expressed are those of the author of the article and may not reflect the views of the credit union.

Swipe Smart: Preventing Card Fraud

In today’s increasingly digital world, debit and credit cards have become a necessity for managing finances. They have transformed how everyday transactions are conducted and create quick and easy experiences. However, this convenience comes with the responsibility of ensuring the security of your card information. Fraudsters are constantly trying new tactics to exploit victims and steal their hard-earned money. Understanding what to do when your card information is compromised can help safeguard your accounts and funds.

False Promises

As we get older, we learn if something sounds too good to be true, then 99.9% of the time it is. This wisdom holds especially true when it comes to protecting your card information from scammers. These individual’s prey on our desires for convenience, financial gain, and the promise of unimaginable rewards. Yes, the person claiming “You won a car! BUT we need your debit card info to redeem it” is lying to you. Furthermore, many scammers will use schemes that inflict fear, urgency, and emotional manipulation to get you to open your wallet. Trusted institutions will never call you promising life-changing rewards in exchange for private information, so don’t feel pressured to do so.

How they do it & Who they target

There are many ways fraudsters will attempt to get your information. Below are examples of the most used tactics:

• Phishing: Fake emails, texts, or messages that appear to be from a legitimate source like Gulf Coast Educators FCU. Messages often ask for personal information or request the member to call an unverified number or follow malicious links.
• Spoofing: Scammers manipulate their caller ID to make it appear as if they are calling from a legitimate organization, such as Gulf Coast Educators FCU. They then request sensitive information over the phone.
• Overpayment Scams: Scammers pose as buyers that overpaid for goods or services using a card. They then request the excess payment be refunded to them, but the initial payment never occurred.
• Lottery or Prize Scams: Victims are told they’ve won a prize or lottery, but they need to pay fees or taxes upfront using their card to claim the winnings.
• Tech Support Scams: Fraudsters impersonate technical support agents and claim that a victim’s computer or account has been compromised. They then ask for remote access or payment for supposed fixes.

Unfortunately, card scammers target a wide range of individuals, often exploiting vulnerabilities. They commonly target the elderly, students, and those facing financial difficulties. However, anyone can fall for their tricks if the proper steps aren’t taken.

Preventing Fraud

To win the fight against fraud it’s important to know what tips you can use to your advantage. Below are strategies cardholders can utilize to protect themselves and loved ones:

• Stay Informed about Scam Tactics:

Knowledge is power. Familiarize yourself with common scam tactics like phishing and spoofing. Understanding these methods allows you to identify potential threats.

• Safeguard Your Personal Information:

Never share sensitive details like your card number, PIN, or social security number via email, phone, or text. Legitimate organizations won’t reach out to you requesting this information.

• Use Strong, Unique Passwords:

Create strong passwords for all online accounts. Avoid predictable choices like birthdays. Consider using a reputable password manager for added security.

• Monitor your accounts:

Regularly look over your credit union statements and transaction histories. Detecting unfamiliar activity will allow you to report it to us immediately.

• Verify Caller Identities:

Don’t only rely on caller ID. Confirm the caller’s legitimacy by reaching out to us using official phone numbers or customer service channels.

• Use Caution When Following Emails and Links:

Avoid clicking on links or downloading attachments from unknown or suspicious sources. Scammers often send emails to spread malware or direct you to phishing sites.

 
Here at Gulf Coast Educators FCU we prioritize your accounts security. If you believe someone is trying to get your private information or have any doubts, tell us! Never be afraid to disconnect from scammers, friendly GCEFCU representatives are here to protect and ensure your account safety. If you have additional questions or concerns click here to reach out to us.

Sincerely,

Your GCEFCU fraud team.

 
 
Post Author:
Joshua Johnson
Card Specialist
281.487.9333
jjohnson@gcefcu.org

The opinions expressed on this page are for informational purposes only and is not intended to provide legal or financial advice. The views expressed are those of the author of the article and may not reflect the views of the credit union.