What is Phishing?
Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These emails often ask customers to verify personal information or link to counterfeit websites that appear real.
Watch out for emails that urge you to act quickly because your account may be suspended or closed, or to update your personal information. Phishing emails may also avoid addressing you by name, instead using generic name such as "valued customer."
Investar Bank will NEVER ask you for sensitive information, such as account numbers, access IDs or passwords, via e-mail.
Tips for Safeguarding Your Information
From The American Bankers Association
- Don’t give your Social Security number or other personal credit information about yourself to anyone who calls you.
- Tear up receipts, bank statements and unused credit card offers before throwing them away.
- Keep an eye out for any missing mail.
- Don’t mail bills from your own mailbox with the flag up.
- Review your monthly accounts regularly for any unauthorized charges.
- Order copies of your credit report once a year to ensure accuracy.
- Do business with companies you know are reputable, particularly online.
- Don’t open email from unknown sources and use virus detection software.
- Protect your PINs (don’t carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
- Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.
- TransUnion: (800) 916-8800
- Experian: (800) 301-7195
- Equifax: (800) 525-6285
If You Become a Victim
If you fear you have become a victim of phishing, it's important to act quickly. At your earliest convenience, contact the following parties:
The fraud departments of the three major credit bureaus
The creditors of any accounts that have been misused
The local police to file a report
The bank to close existing accounts held in your name and re-open new accounts with new passwords