Recognize and reduce the risk of fraud.
It’s important to protect finances and your identity from fraud. One wrong click of the mouse can cause all kinds of trouble. We want to help you identify the types of tactics scammers may use to gain access to your accounts or even steal your identity. Knowing how to avoid suspicious emails and phone calls can go a long way to keeping your personal and financial information safe.
It's the Heartland Way.
Telephone and internet Scams
Some examples include: IRS telephone scams, lottery and sweepstakes scams, even banking scams
- Your financial institution will not ask you for an account number or your social security number
- Be suspicious of any pressure to send funds via wire or prepaid reloadable gift cards
- Be aware of any information about scammers and fraudulent activity that has recently happened
- Scammers often claim an emergency, hoping for a response without checking out the situation first
- Red flag warning if the call insists on secrecy
If you notice any of these concerns when contacted by a charity, think twice.
- Scammer may refuse to provide details about the charity
- Unable or unwilling to provide proof if it is tax deductible
- Uses high-pressure tactics
- Will ask for cash or wire funds
- Guarantees sweepstakes winnings in exchange for a donation
Computer and Internet Scams
Phishing scams can cause trouble in the click of link.
- Scammers can create authentic-looking emails, text messages, and website pages
- You think you’re interacting with a trusted company but it’s hackers behind the scenes
- Hover over any links to view the address it’s trying to send you too, NEVER click the link
- Contact the company referenced in the email by using a different source of contact information than what is found in the email
- Spoofing occurs when scammers make an email address look like it’s coming from someone you know, NEVER respond
Simple fraud prevention steps
- Social Security Number
- Credit and Debit Card Numbers
- Incoming/Outgoing Mail
- Personal documents
- Direct Deposit to eliminate paper checks and paystubs
- Credit report monitoring
- Online statements