PROTECTING YOURSELF FROM FRAUD
Security of our
customer’s information is one of Delta Bank’s primary concerns.
When you use Delta Bank’s DNB Online Banking service, the
communications between your computer and our services is encrypted using
Secure Sockets Layer (SSL) technology. This secures the connection to
prevent anyone else besides yourself and Delta Bank from
accessing your information.
You can also protect
yourself by learning how to spot fraudulent offers and requests directed
to you and by taking a few easy steps, such as the following:
Monitor Your Accounts
the activity on your accounts is one of the best ways to detect and stop
fraudulent activity involving your accounts quickly.
Protect Your User ID and Password
These two pieces of
information allow access to your accounts. Guard this information just as
if you were guarding the money you have in your wallet. You would not
just leave your wallet sitting around unguarded, so don’t leave your User
ID and Password sitting around for everyone to see.
Pick a Good Password
A good password is not
necessarily a hard one to remember. Don’t use something easy to guess;
birthday, anniversary, kid’s name, social security number, phone number,
etc. Use a combination of letters and numbers, and maybe other symbols
such as @, $, !. Use an acronym for something you can remember:
RDAGMD2 – Rainy Days Always Gets Me Down 2
Secure Your Computer
Internet based threats
are very plentiful and aggressive today. You don’t need to go looking for
them because they are actively looking for you and your computer to
infect. Installing AND keeping up-to-date security programs
on your computer are one of the best ways to protect yourself while on the
internet or using email. Various programs include:
- Virus scanning
software to detect and prevent viruses from infecting your computer
- Firewall to block
access to/from your computer except for only on required ports
- Anti-Spyware / Anti-Adware
software to keep programs from sending your personal information off to
- Pop-up blocker to
keep those annoying, and possible dangerous, ads from bothering you
programs is a good first step, but keeping them up-to-date
is more important. As new threats are developed, security programs need
to be updated so that they will be able to detect those new threats.
Security programs come in all price ranges, ranging from commercially
available packages to freeware or inexpensive programs.
system updates are also very important to keep up-to-date. These usually
are easy and inexpensive, if not free, to retrieve and will help you to
secure your computer even more.
programs from unknown sources. They may contain other hidden programs
that could compromise the security of your computer and your private
information. Email attachments can also contain disguised or hidden
programs that will attempt to compromise your computer.
Email scams are on a
constant rise. Beware of these! Some are very creative and sometimes
very believable, they are still a scam to try and separate you from your
money. Some common ones include:
· You will receive a share of
the millions of dollars someone is trying to get out of the country before
the government takes it. What ends up happening is that YOUR money leaves
you and ends up in their country and their pocket.
· Your rich relative (Uncle,
Aunt, Cousin, Brother, Sister, or whoever) that you never see, but may
really be your relative, has died and is leaving you some of their
fortune. All you need to do is pay for the legal fees and/or medical
expenses and then you can receive your check for your large inheritance.
What ends up happening is you will pay the fees and expenses, which may
keep getting bigger and bigger, but the promised inheritance check never
comes. The money you paid out is gone and, if you did receive a check of
some sort, the check is no good.
· You have an item for sale and
the buyer sends you a check for an amount greater than the asking price.
They instruct you to deposit the check and return the extra amount to them
when you ship them the item. What ends up happening is the check you
received is no good, causing you to have to pay back the bank for the full
amount of the original check you received plus you no longer have your
item you were selling.
Phishing and Spoofed Web Sites
- (see “Report Suspicious
Email and Web Sites” section below)
Just like going to the
lake and throwing out your line with bait on it to try and catch a fish,
computer “phishing” (also pronounced fishing) is throwing out a line of
false information and trying to bait you to bite its hook and going to a
fake (spoofed) web site that looks like the real thing. If you take the
bait, you can be at risk of losing your money, damaging your credit
history, and suffering a great deal of inconvenience.
Learn to identify false
emails and web sites. They can look very real. Thieves use these to try
and collect whatever information they can from you to use it to steal from
you. Things you can look for include:
The language and tone used
Is the language used in the email or on the web site sloppy, misspelled,
or broken proper grammar? Is the email threatening to cut off our account
access if you do not click the provided link to access your accounts right
Is the email or web site requesting personal information such as social
security number, account number, credit card number, credit card security
code from the back of the card, User ID and Password, date of birth,
mother’s maiden name, etc.
Alert from a bank that you
don’t have accounts with
Do you even have accounts with the bank named in the email? In an attempt
to try and reach someone that will take the bait, thieves will send the
fraudulent email to as many email addresses as they can in hopes of
reaching someone at the named bank.
Fake web site links
The link that appears on screen may appear to be the correct one, but the
web site it sends you to can be a slightly or completely different one.
Always check to see what web site address it REALLY is sending you to.
This can be accomplished in most web browsers or email programs by moving
your mouse cursor over the link, without clicking it, and viewing the
address or status bar. A fake link may even contain our company name in
The most secure action
that you can take is to NOT click a provided link, but rather to
type in the bank’s web site address by hand. Anything that you, as one of
our customers, would need to do online will be available from the home
page of our web site.
Report Suspicious Email and Web Sites
If you receive an email
or are directed to a web site that seems suspicious, forward the entire
email – including header information – and any attachments or the entire
web site address to
also want to forward it to the Federal Trade Commission at
firstname.lastname@example.org, or contact
or 877.IDTHEFT (877.438.4338).
If you feel that your
User ID and Password have been compromised or that you have fraudulent
activity on your account, please contact Delta Bank immediately
at either your branch office or Customer Service at 209-824-4060.
learn more about phishing, read the phishing brochure provided by The
Office of the Comptroller of the Currency (OCC). The OCC charters,
regulates and supervises all national banks. It is available at