Community Southern Bank will never initiate contact with you and ask for your personal financial or other identifiable information over the phone or email. If someone is presenting themselves as a CSB employee, do not reveal this information, but take their name and number and call Community Southern Bank immediately at 1-800-500-1044. If this was a real employee, we can transfer your call back to that person. If not, please alert us to the attempt so we can assist in safeguarding your account and reviewing your transactions.
Protect yourself from Internet, e-mail and phone scams by not giving out your personal or banking information. Scammers will try various techniques in their attempt to trick you into sharing your information. Listed below are recommendations and good practices you can follow in order to reduce risk.
Never click on links in unexpected e-mails that request confidential information. Before submitting confidential information through forms, make sure you are using a secure Internet connection. There are a few ways to tell if your connection to a site is secure:
- Look at the address bar at the top of your internet browser
- If the Web site address begins with https://, then you have an established secure connection
- If the Website address begins with http://, then the connection is NOT secure
Review and monitor your checking account, debit card, credit card transactions and your credit report regularly to be sure all transactions are legitimate. Watch for misspelling or grammatical errors on forms requesting confidential information. Scammers often make errors while rushing to get fake websites set up.
COMPUTER SECURITY RECOMMENDATIONS
Keep an active and up to date anti-virus program in order to check for malicious activity that may be living on your computer or the websites you are visiting. *Never use more than one anti-virus program. They generally conflict with each other and cause potential instability. Use a Firewall to protect intrusion on your pc or network. The firewall can be a program (e.g. Windows Firewall) or an actual hardware attached to your modem. Keep your Internet browser, anti-virus, anti-spyware and firewall up to date by visiting the manufacturers website and checking regularly for software and security updates. You can also configure most of these to check for updates automatically and either alert you or install and update on its own.
Create a unique password for all the different systems you use. If you don't then one breach leaves all your accounts vulnerable. Never share your password over the phone, in texts, by email or in person. If you are asked for your password it's probably a scam. Use unpredictable passwords with a combination of lowercase letters, capital letters, numbers and special characters. Change password at a minimum at least quarterly and whenever they may have become compromised. Use long passwords that have at least 8 characters. The more characters, the stronger your password is. Avoid using obvious passwords such as names, family member names, pets names, birthdates, the word "Password, Password01, or P@ssword", 123456 and common words found in the dictionary, just to name a few. Choose a password you can remember without writing it down. If you do choose to write it down, store it in a secure location.
IF IT'S TOO GOOD TO BE TRUE...... IT GENERALLY IS. THESE ARE SOME VERY BASIC EXAMPLES OF COMMON SCAMS STILL GOING ON TODAY.
You receive an email informing you that you've won a large cash prize, often from a foreign lottery. However, you must pay an "administrative" or "processing" fee and/or provide personal information before your prize can be sent to you.
What's happening here is they will take your "fee" money and give you nothing in return.
Scammer sends you a check to deposit to your account with instructions to return a portion of those funds to the sender via wire transfer. The check can look like a bank cashier's check, a business check or even a personal check.
The check itself is counterfeit. It is written against a real account belonging to another company or individual. The scammer is banking on getting the money sent to them by the person being scammed before the account owner sees the counterfeit check in their account.
You're offered a loan, a grant or help repairing your credit, but you'll have to pay a fee in order to get it.
This is another case where they will take your "fee" money and give you nothing in return. You are requested to call a 900 number for more information.
These numbers are considered "premium rate numbers" and you will be charged either a flat rate fee or a "per minute" fee, both of which can be unusually expensive.
You're asked to help someone move a large amount of money to the United States, and as compensation you are promised a large amount or percentage if you help.
Someone offers to purchase an item you are selling online and they want to pay you with a check that is over and above the amount of the item. They also claim to have the extra included for the prearranged shipping fees.