Internet scammers have a new way to lure unsuspecting victims: They go “phishing”.
Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your personal information. Phishers send an email or pop-up message that appears to be from a business or organization that you deal with. The message usually states that you need to “update” or “validate” your account information and looks just like the legitimate website of the business, but it isn’t. The scam is designed to trick you into revealing your personal information so that they can steal your identity.
Tips to Avoid Getting Hooked by a Phishing Scam
- If you receive an email or pop-up message that asks for personal information, do not click on any links in the message and do not reply to the message
- Do not email personal or financial information – email is NOT a secure method of transmitting personal information
- Be cautious about opening any attachment or downloading any files from emails you receive
Facts About Online Fraud
- Online banking fraud is growing and is estimated at costing banks and customers over $3 billion per year.
- Online banking account takeovers are growing at a rate of more than 150%.
- Hackers are logging in to customers’ accounts, stealing bank account numbers, credit card numbers, and sending fraudulent wire transfers and ACH files.
- Criminals have figured out how to carry out their crimes in fully authenticated environments by controlling a user’s email, SMS, phone and dual control processes. By combining keylogging, redirection to fake websites or content injection, fraudsters can simulate a valid user experience.
- More than 11 million viruses exist and 12 billion phishing emails are sent every day. Antivirus software cannot keep up with the detection and removal of every virus and variation.
- It is estmated that 50% of computers are infected with malware, 75% of which goes undetected by anti-virus solutions.
- Money stolen by hackers is most often directed to accounts in China and Russia. Gang leaders prey upon foreign students in the US who need money and utilize them as money mules, or they convert stolen funds to prepaid debit cards which are easily transported.
- According to the Federal Trade Commission, as many as 9 million Americans have their identities stolen each year. Identity thieves may rent an apartment, obtain a credit card, establish a telephone account, or file a fake tax return in your name. Many times they obtain personal information through viruses and malware planted on computers.
- You must play a part in protecting your company’s and your personal information. Be aware of how information is stolen and how to protect your personal login credentials and confidential information, and be sure to monitor account activity, bank statements and credit reports routinely. Visit http://ftc.gov/idtheft for more information.
The Secure Solution to Banking Online Safely - Marble Security
Criminal online account takeovers and resulting ACH and wire fraud begin with the compromise of a business or home computer. With our reliance on the internet and email, it is easy to click on harmful links and never know it. The compromise of computer operating systems and browser applications allows a criminal to install malware, monitor keystrokes, and obtain confidential information which leads to total online banking account control – defeating even the most sophisticated security controls, firewalls, and anti-virus software.
Marble Security provides online banking users with a secure and private connection isolated within a read-only virtualized environment. It invokes its own operating system and secure internet browser on the user’s computer, and encrypts both the keyboard and information being displayed on the screen. This combination of security layers prevents criminals from stealing personal information or online banking login IDs or PIN numbers. This approach does not require use of the existing operating system or browser, which could be infected. Even if the host system is infected with malware, visits to protected links within Marble Security will remain safe and invisible to cyber criminals.
Available as a downloadable software application, Marble Security protects bank customers without added complexity or inconvenience.
- Operating systems supported include Windows XP (32 bit), Vista (32 bit), Windows 7, Windows 8, and Mac (10.6 and above).
- 2 GB RAM memory for installation is required.
- 200 MB disk space.
- Local administrator rights are required for the initial driver installation only.
- If there is a network proxy in place, or a web filter, the user will need to allow for Marble Security to communicate through these systems.
Stonegate Bank offers Marble Security as a 3-year software license. Marble Security provides access to websites such as:
- Stonegate Bank
- Internal Revenue Service
- Florida Department of Revenue
- Credit Cards (American Express, Chase, Capital One, Discover, etc.)
- Office Supply Stores (Office Depot, Staples, Kinko’s, etc.)
- Mail Services (FedEx, USPS, UPS, etc.)
- Telecommunications (AT&T, Sprint, T-Mobile, Verizon, etc.)
- Utilities (FPL, Comcast, DirecTV, etc.)
- Insurance Companies (Allstate, State Farm, Citizens, Geico, Progressive, etc.)
- Business (WebEx, GoTo Meeting, Skype, etc.)
- Payroll Companies (ADP, Paychex)
- Other Financial Institutions and Investment Companies (Bank of America, Wells Fargo, BB&T, CitiBank, ETRADE, Charles Schwab, Fidelity, etc.)
- Payment Transactions (PayPal, Western Union, Mint.com, etc.)
- Travel (Expedia, Travelocity, Delta, American Airlines, etc.)
- News (Bloomberg, USA Today, Wall Street Journal)
- Web Mail (Gmail, Yahoo Mail, etc.)
- Shopping (Amazon, Apple, Barnes & Noble, eBay, Best Buy, Netflix, Target, Wal-Mart, etc.)
- Credit Reports (Equifax, TransUnion, Experian)
Used by the Department of Homeland Security, NASA, FEMA, various colleges, healthcare organizations, corporations and other financial institutions, Marble Security protects your user IDs, passwords, credit card numbers, and other sensitive information as you conduct your business on the web. Please contact your Stonegate Bank office or call us at 1-877-641-8500 for additional information and for costs associated with this service.
Marble Security is a trademark of Marble Security, Inc.
The FDIC is aware of emails appearing to be sent from the FDIC that ask recipients to open and review an attached file. The subject line of the email states: “Funds wired into your account are stolen.” The attached file contains code that when opened will attempt to collect personal information. This email is fraudulent and was not sent by the FDIC.
For additional information about safe online banking and avoiding online scams, visit