The Standard FDIC insurance maximum is $250,000 per insured capacity, per bank. Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. If you have given your bank information to scammers, call your bank and inform them to see what your bank can do to protect your accounts. You can also file a complaint with the FCC at no cost. If you think that you are a victim of smishing, you should contact law enforcement to report the scam. With due diligence, you can avoid becoming a victim of a scammer. Verify the authenticity of the message you receive. The bottom line – as it is in most attempted scams – is stop before automatically sharing your information, no matter how official it looks. Consider installing anti-malware software on your device for added security.Make sure your smart device’s operating system and security apps are updated to the latest version.Do not respond, even if the message requests that you “text STOP” to end messages.Never click links, reply to text messages or call numbers you don’t recognize.The Federal Communications Commission offers these tips to avoid becoming a victim of a smishing attempt: ![]() A simple web search can thwart a scammer. Call or email them separately to confirm whether you received a legitimate text. If you get a text purportedly from a company or government agency, check your bill for contact information or search the company or agency’s official website. If you feel like the message may truly be authentic, you should still verify before sending information. This information is used to carry out other crimes, such as financial fraud. The scammers are hoping to receive information such as: account usernames and passwords, Social Security number, date of birth, credit and debit card numbers, personal identification numbers (PINs) or other sensitive information. No matter where the message says it’s from, one thing holds true – scammers are trying to gain your personal information. Other messages may appear to be from Costco, Home Depot, Amazon or other retailers. Recently, the United States Postal Service issued a media release warning against unsolicited text messages claiming that a USPS delivery needs immediate response. text messages) – and phishing.Ī typical smishing message will seem like it’s from a bank, but it’s not just limited to fake banking messages. The term smishing is a mashup of SMS – short messaging service (i.e. But instead of an unsolicited email, it’s through text messaging. What is smishing? It’s similar to phishing. One newer scam that has seen a sizable uptick over the summer is smishing. So they are constantly adapting their techniques. That’s why it’s important to stay vigilant at all times to protect yourself from scammers.įraudsters know the more that people become aware of their scams, the less likely they are to work. There are so many types of fraud, it’s hard to keep up with them all. PosPay: A Proactive Approach to Business Check Fraud. ![]() 3 Ways Your Mortgage Rate is Determined. ![]()
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