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Education Center

 

Learn about common banking scams and fraud tactics in our Education Center.  Protect your accounts by staying informed!

State Bank is committed to maintaining the privacy of your confidential information. We want you to know we will not ask for your confidential, financial, or electronic banking credential information on an unsolicited basis. If you suspect an email is fraudulent, please inform State Bank or a government agency. 

Please read on to learn about different types of fraud and how you can protect yourself from becoming a victim.  For additional information or to report suspicious activity, please contact a State Bank Representative at 815-297-0900.


Types of Fraud and How to Spot It
 
Phishing: The fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an email or website. Phishing is typically carried out by email or instant messaging, and it often directs users to enter details at a fake website that has a look and feel almost identical to the legitimate one.

Vishing: The criminal practice of using features facilitated by Voice over IP (VoIP) phone systems, to gain access to private information.  

Smishing: The phishing type derived from "SMS Phishing," SMS (Short Message Service) using cell phone text messaging technology.  

Malware: Malware is software designed to secretly access a computer system without the owner's informed consent. Malware is commonly obtained through fraudulent software updates, banner ads, downloadable documents, and key stroke recording.

Twishing: The act of sending a message to a Twitter user in an attempt to obtain his or her name and password.

Mobile Fraud: Mobile devices have opened a new door for fraudsters.  Use the tips below to keep your information secure:

  • Set a password or PIN so your phone can't be used if it's lost or stolen.   
  • Don't download software until you verify its security and privacy features.
  • Install anti-spyware software specifically designed for your device.
  • Be suspicious if you get many unsolicited emails or text messages. It could mean you have a spyware program on your phone.
  • Install security software to protect your  mobile phone from viruses, some of which can give fraudsters access to your personal information.
  • Keep your mobile software up to date.  
  • Don't let people use your mobile phone until you've logged out of secure sites such as Mobile Banking

Protect your information with these tips:
  • Never provide personal information,including your Social Security number, account numbers or passwords over the phone or Internet if you didn't initiate the contact.
  • Never click on links within an email you believe to be fraudulent.  They may contain a  virus that can contaminate your computer.
  • Do not be intimidated by an email or caller who suggest dire consequences if you do not immediately provide or verify financial information.
  • If you believe an email contact is legitimate, go to the company’s website by typing in the site address directly or using a page you have previously bookmarked instead of a link provided in the email.
  • If you fall victim to an attack, act immediately to protect yourself.  Alert State Bank and place fraud alerts on your credit files.  Monitor your credit files and account statements closely.