Types of Fraud


Internet Fraud - Pharming
Pharming is an attempt to steal personal information by redirecting internet users from legitimate business websites to fraudulent ones. The fraudulent websites look like legitimate sites, but the pharmer captures the user's login name and password information when entered.

Ways to avoid pharming attacks:

  • Regularly update your anti-virus and anti-spyware software.
  • Install personal firewalls. 
  • Exercise caution when running programs.
  • Make sure the web address in your browser starts with "https" - which indicates a secure site - when entering personal information. If it starts with just "http", then it may not be a secure site.
  • Verify who owns the website by double clicking on the padlock icon and viewing the security certificate. A fraudulent website either will not have one or it will be owned by an entity, possibly foreign, that appears to be unrelated.


Email Fraud - "Phishing"
We never verify or update confidential customer information through email. Fraudulent emails often attempt to obtain personal or account information such as your credit/debit card number, account password, ATM PIN, social security number, mother's maiden name, or other sensitive information. The email may include a link to a web page asking you to update or verify your account information. These fraudulent emails and web pages will often look like legitimate communications. You should never respond to these emails or click on the links in these emails.


Identity Fraud
According to the Federal Trade Commission identity theft is the fastest growing crime in America. Identity theft occurs when a criminal uses another person's personal information to take on that person's identity. Information such as name, date of birth, social security number, bank account numbers, mother's maiden name, etc., can help a criminal impersonate another individual.