Protect Yourself Against Fraud

Bangor Savings Bank is committed to protecting you from fraud. It’s important to know that cyber criminals are known to exploit uncertain times such as pandemics or natural disasters.

As a reminder, Bangor Savings Bank will never contact you to provide or verify your:
  • Full Social Security or account numbers
  • One-time password, or account username or password
  • Answers to security questions over the phone
Scammers continue to exploit the pandemic by committing unemployment fraud. The Department of Justice is urging individuals to report unemployment fraud as soon as it happens.

If you information has been compromised, follow these steps:

  1. Contact any 1 of these 3 credit bureaus
    1. Equifax: 1-888-766-0008
    2. Experian: 1-888-397-3742
    3. TransUnion: 1-800-680-7289
  2. Report the incident to the Federal Trade Commission online at IdentifyTheft.gov or call 1-877-438-4338
  3. Notify the Department of Labor
    1. Maine
    2. New Hampshire
  4. File a police report with local law enforcement

We suggest you also do the following

  • Place a password on your Bangor Savings account(s)
  • Consider obtaining identity theft protection
  • If information was obtained from your computer, have it cleaned by a professional, change all passwords, and install anti-virus software
 

Protect yourself by keeping up to date with the latest COVID-related scams



Ways you can protect yourself
Keep your computer and bank account secure by being suspicious of unusual or unexpected email  

Email is commonly used by criminals in phishing scams. Criminals have the ability to craft an email that looks very realistic; it may even appear to come from a legitimate source. 

Criminals are now taking advantage of Coronavirus (COVID-19) in order to commit fraud. These criminals are sending phishing emails that claim to come from charities or people dealing with COVID-19. The emails are intended to trick you into donating to a phony charity, buying fake test kits, or installing malware on your computer. These scams may also be used as a means to obtain sensitive personal information from you (such as your social security number, account number, or debit/credit card number). 

Use heightened caution in handling any communication related to COVID-19, Coronavirus, or stimulus payment
Do not open attachments or click on links within an email message. Be guarded about social media pleas, texts, or direct phone calls having to do with coronavirus. All of these vectors are being used by criminals for social engineering purposes. 

With stimulus payments arriving soon, the IRS is already reporting a surge of phishing scams. With regard to the upcoming payments, in most cases, the IRS will deposit the funds into the direct deposit account taxpayers have previously provided. If the IRS does not have direct deposit information, a check will be mailed to the address on file. There is no need to perform any action in order to receive this money. If you have any questions about this process, visit IRS.gov.
The official term used by the IRS for these payments is Economic Impact Payment. It is expected that criminals may use the phrases “stimulus check” or “stimulus payment” in their communications. Be wary of anything not using the official terminology.

No one from the IRS will be contacting you via phone, email, text, mail, social media, or in person to gather information in order to complete their economic impact payment. Do not give out banking information or credit card numbers to anyone in an attempt to speed up processing. There is no prioritized processing service.

Payments are for $1,200 per individual. Look out for checks in odd amounts, these are bogus. Some criminals may send these checks and then ask you to call a phone number to confirm receipt. At this point, they may ask you for personal information or direct you to deposit the check and mail them a refund for the overpayment. 

Use offline verification for requests involving the movement of money
During this pandemic, we should continue to use heightened vigilance when it comes to dealing with any unexpected request to move money, even if it looks like the request is coming from a friend, relative, or coworker. Criminals are persistent and will apply pressure by making requests that appear to be urgent. Any email making an unusual request, such as buying gift cards, sending wires or switching direct deposit should be verified offline. Reach out directly to the requestor with the phone number you have on file in order to confirm directly with them.

Additional common scams and preventative steps you can take for each
  • Online Scams – Cyber criminals solicit individuals who may be looking for ways to earn extra income by offering fictitious work-from-home scams. The criminals typically mail their victims a bad check to be deposited or ask for online banking login credentials in order to deposit a bad check on your behalf. They will then ask to receive a portion of the funds back.  
What you can do? Never share your online banking credentials with an unknown third party. If something sounds suspicious, question it. If something sounds too good to be true, it usually is. Never accept a check for more than expected and do not deposit items from unknown sources. 
 
  • Malware – Cyber criminals take advantage of public interest during natural disasters in order to disseminate malware. Criminals have the ability to make emails, texts, and pop-ups appear to come from a legitimate source enticing victims to click on a malicious link and distribute malware.  

What you can do? Do not open attachments or click on links in emails, texts, or pop-ups you weren’t expecting to receive. Make sure your computer has all of the most recent security updates and that you are using a current version of your browser. Download Trusteer Rapport Trusteer Rapport is a web browser security plug-in that provides online identity theft and online transaction protection from financial "Trojans" and other client-side attacks.

  • Gift Card Scams – Cyber criminals are sending texts and emails with links related to purchasing gift cards. The email and/or text appears to come from a friend or coworker. 
What you can do? Be observant. Don't click on links that come from an unknown source. Never share your online banking credentials with an unknown third party. If something sounds suspicious, question it. If something sounds too good to be true, it usually is.  
 
For more ways on how we are protecting you and how you can protect yourself visit our Security Center