What is Phishing?
"Phishing" is a term that is used to describe one of the fastest
growing frauds. It typically involves a bogus e-mail message that uses legitimate
materials, such as a company's graphics or logos, to entice recipients of the
e-mail to provide personal financial information, such as credit card and social
Hillsboro Bank will NEVER ask for your personal financial or user log-in
information via e-mail. If you receive such a request - IGNORE IT, and contact
What are some simple precautions?
Customers can use the following tips to help protect themselves
against phishing and other forms of identity theft:
- Be suspicious if someone contacts you unexpectedly
and asks for your personal information. Most legitimate companies
and agencies do not operate that way.
- Do not click on hyper-links in e-mails that
ask you to provide personal information. To check whether
an e-mail or call is really from the company or agency, call
the company directly or go to its Web site (use a search
engine to find it).
- Only access Hillsboro Bank's web site by
typing in the URL (URL is the Universal Resource Locator
or more simply it is the www. address), or by following a
shortcut or bookmark that you yourself created.
- Do not provide
personal information (such as your Social Security number
via phone, e-mail or otherwise unless you initiated the contact
with a trusted partner).
- If someone contacts you via phone or e-mail
and says you've been a victim of fraud, verify the person's
identity, and contact the organization directly before you
provide any personal information.
- If you manage any of your financial accounts
online, choose passwords that are difficult for others to
guess and use a different password for each of your online
accounts. Change the password frequently.
- Make sure the Web sites on which you transact
business post privacy and security statements. Be sure to
review them carefully.
- Do not send sensitive personal or financial
information unless it is encrypted on a secure Web site.
Regular e-mails are not encrypted. Look for the padlock symbol
on the bottom bar of the browser to ensure that the site
is running in secure mode before you enter sensitive information.
- Check your monthly statements to verify
- Check your credit report periodically and
examine it thoroughly. This will reveal accounts that have
been opened without your knowledge.
- Add a statement to your credit file that
prohibits the granting of credit without calling you to confirm
- Record the names, account numbers and customer
service numbers of all the cards you carry. This way you
will have all the necessary information you need if you have
to cancel your cards immediately.
- Make it difficult for thieves to get "identifying
information" from your mail and mailbox. Take envelopes
containing checks and other sensitive information directly
to the post office instead of leaving them in your mailbox.
- Shred or secure in a lockbox all documents
with important identifying information on them, such as bank
statements, credit cards, pre-approved credit card offers
and pay stubs.
- Carry only the credit card you would use
in an emergency. Do not carry your social security card.
- Update your personal computer with security
patches and install anti-virus software.