Banks Never Ask That
Every day, thousands of people fall victim to fraudulent calls, emails, and texts from scammers pretending to be from their bank. The banking industry wants to change that and as a whole fully understands the tremendous risk that cybercrime presents – to both clients and to banks themselves.
The #BanksNeverAskThat is a national award-winning campaign returning for its fourth year from the American Bankers Association (ABA). Florida Capital Bank has partnered with the ABA to educate consumers about the persistent threat of phishing scams. The goal is to turn the tables on the bad guys by empowering consumers with the tools they need to spot bogus bank communications. Visit the #BanksNeverAskThat website for resources to help us stay a step ahead of scammers. New this year are resources available in Spanish, and a Spanish language website!
“This campaign is an unprecedented effort by the banking industry to address a growing threat to our customers,” said ABA President and CEO Rob Nichols. “America’s banks are fighting back with major investments in technology and security protocols designed to stay a step ahead of the bad guys, but well-informed customers are another critical layer of defense.”
The colorful, engaging website includes videos, tips, and general information like this valuable list of things your bank will never ask you for in an email:
- Your account number
- Your user-name or password
- Your Social Security Number
- Your pin
- Your birthday
- Your address
- The answer to your security question
How to Recognize and Avoid Phishing Scams
According to the FBI’s Internet Crime Complaint Center Report, thousands of scam email attacks are sent out every day. These fraudulent emails, called “phishing emails,” are designed to look like authentic communications from reputable sources like your bank or credit card provider.
There’s a wide range of email scams but ultimately their goal is to trick you into revealing your personal, and financial information – your account numbers, passwords, and social security number. You may think you can recognize these counterfeit emails when they arrive in your inbox, but the grim reality is that phishing emails and cyber scams cost Americans over $57 million in just one year.
The Federal Trade Commission (FTC) is the main agency that collects scam reports. Report your scam online with the FTC complaint assistant, or by phone at 1-877-382-4357 (9:00 AM – 8:00 PM, ET).
The FTC warns you to watch out for emails with these seven common messages:
- Notifying you of “suspicious activity” or log-in attempts
- Claiming there’s a problem with your account or payment information
- Asking you to confirm some personal information, usually with a note of urgency
- Demanding payment of a fake invoice
- Offering you a link or button to make a payment
- Telling you you’re eligible to register for a government refund
- Giving you a coupon or coupons for free stuff
FLCBank’s commitment to fighting cybercrime
At FLCBank, we’re committed to doing everything possible to protect clients from the threat of email fraud. We’ve recently launched a comprehensive Fraud and Scam Alert resource page on our website providing reference information including:
- Links to the FTC and Internet Crime Complaint Center
- Updates on scams specifically targeting FLCBank and our clients
- Detailed information on the latest COVID-19 scams
Remember, at FLCBank, we will NEVER call you to request an account or personal information or ask for it in an email. If you ever receive an email that looks like it’s from FLCBank asking you to click a link and provide, confirm, or update your information, DO NOT CLICK on any links in the email. Report the email to us and log in as you normally would to check the status of your account.
To notify FLCBank of online fraud or a scam involving FLCBank or your FLCBank account, please call 800.318.3159, Mon. – Fri., 9:00 a.m.— 5:00 p.m. EST or e-mail us at firstname.lastname@example.org. Include your name, e-mail, phone number, and a detailed description of the possible fraud or scam.