How To Avoid a Scam
Recognizing these common signs of a scam could help you avoid falling for one:
- Scammers PRETEND to be from an organization you know.
- Scammers say there’s a PROBLEM or a PRIZE.
- Scammers PRESSURE you to act immediately.
- Scammers tell you to PAY in a specific way.
What can you do to avoid a scam?
- Block unwanted calls and text messages.
- Don’t give your personal or financial information in response to a request that you didn’t expect.
- Resist the pressure to act immediately.
- Know how scammers tell you to pay, like gift cards and money transfers.
- Stop and talk to someone you trust.
Identity Theft Protection Tips
- Never respond to unsolicited requests for your social security number (SSN) or financial data.
- Before discarding, shred credit card, ATM receipts and any pre-approved credit offers you have received but do not plan to use.
- Delete all personal information on electronic devices prior to disposal.
- Review account balances and detail transactions daily to confirm payment and other transaction data and immediately report any suspicious transactions to the Bank.
- Avoid easy to figure out access and personal identification numbers (PINs).
- Obtain a copy of your credit report at least annually and check it for accuracy.
- Use only secure Web sites when making online purchases. Addresses of secure pages begin with “https” instead of the standard “http” and should display a locked padlock icon somewhere on your browser.
- To keep your information private, create a strong password for your phone and set your screen to auto-lock within five minutes.
- Keep your apps and device software up to date.
- Use discretion when downloading apps.
- Don’t open unfamiliar attachments, emails or text messages from unknown sources.
- Stick to window-shopping on public WiFi.
- Protect your phone like you protect your PC.
- Password-protect your mobile device and voicemail with a PIN.
- Delete voice and text messages with financial or personal information.
- Take advantage of software that locks the phone or erases the data remotely if the phone is lost or stolen.
- Tell your financial institution immediately if you change your phone number or lose your mobile device.
- Do not use account numbers, your social security number, or other account or personal information when creating account usernames, nicknames or other titles.
- Change your password frequently, using a combination of upper and lowercase letters, numbers, and special characters when allowed.
- Never use the same password on multiple sites.
- Don’t save the password on your computer.
- Log-off your account and close your browser when done.
- Don’t write down or share your password with anyone.
- Make sure your computer is up to date including operating system, software, browser versions and plug-ins.
- Install a personal firewall on your computer and keep anti-virus software installed and updated.
- Make backup copies of important systems and data.
- Protect your devices with password security to prevent unauthorized users from remotely accessing your devices or home network.
- Only download programs from known, reliable sources.
- Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail. Call the purported source if you are unsure who sent an e-mail.
- Do not use public computers for logging into online banking.
- Never leave a computer unattended while using online banking.
- Media or equipment used for online banking must be wiped clean before being destroyed.
- Do not open e-mail from unknown sources. Be suspicious of e-mails purporting to be from a financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.
ATM Safety Tips
- Don’t write your PIN on your card or keep a written copy of it in your wallet or purse.
- Don’t give your PIN to anyone, including family or friends. ATM fraud is most often committed by individuals who know the ATM cardholder.
- Have your ATM Card ready and in your hand as you approach the machine. Don’t pull it out of your wallet or purse when you get there.
- Use common courtesy at the ATM. Give people ahead of you space to conduct their transactions privately. When you use the ATM, make sure no one watches you enter your PIN. Use your body to shield the ATM keypad the view of others.
- Do not use remote ATMs. In addition to the personal risk associated with these machines, these ATM locations can’t be monitored as effectively as in-branch machines. These machines are more likely to be used as targets for new “skimming” fraud schemes.
- Look for skimming devices. When using any ATM, be aware of anything that may look unusual about the card slot area of the ATM. If you suspect that it has been tampered with, report it to the bank or local police immediately.
- Put away your cash, receipt and ATM Card immediately and leave the ATM premises.
Caller ID Spoofing:
Dedham Savings has received reports of area residents receiving suspicious phone calls which appear to originate from Dedham Savings. Caller ID information can be faked to make it look like these calls are coming from a trusted entity. Dedham Savings typically will not call you asking for personal information. If such a call occurs, please hang up and call the Bank’s direct line, 781-329-6700, to talk to a representative to determine if the call is legitimate. If it was a legitimate call from us, we would never take issue with you requesting to call us back.
For more information on caller ID spoofing, please visit the Federal Communication Commission (FCC) web site. For more information on how to keep your banking information safe, please visit our security page.