Cyber Security

The best practice for any consumer to stay safe from identify theft or fraud is to stay informed. It’s important to not only be educated about what security threats are out there, but also to be keenly aware of your own financial and personal activities. Grundy National Bank provides you with many tools to stay on top of your financial information, and we’ve put together some helpful information.

 

Know the Signs of a Scam

Every individual will likely be a target of a scam of fraudulent activity at some point, so be aware of some of the most common threats:

  • Malware – Malicious software intended to harm computer systems through viruses, worms, Trojan horses, etc.
  • Phishing – Attempts to collect personal information, such as user names and passwords by an attacker claiming to be an official source via email, phone call or text typically.
  • Pharming – Online fraud that redirects a true website’s traffic to a bogus website, in an attempt to collect personal login information or card payment information.
  • Social Engineering – Manipulating people through targeting emotional responses to trick them in attempt to give up or turn over valuable information

It's good practice to be wary of anyone contacting you via email, phone, in-person who is asking personal information of you that you were not expecting contact with.

Protect Yourself

Here are some tips to help keep you identity secure:

  • Grundy National Bank, nor any other trustworthy financial provider, will initiate emails or requests for your personal or financial information. If you receive a request, it’s a good practice to call or stop by your local bank to inquire about the request.
  • Be very alert with calls or emails urging you to act quickly because your account may be suspended or closed, or to update personal information. This type of call or email will not address you by name, but would use a more generic greeting such as “Dear or “Dear Valued Customer’
  • Fraudsters may also attempt to contact you via a text message. You might receive a text message warning that your account may be suspended, frozen, or compromised unless you visit a particular website or call a designed phone number where you will then be asked for personal information. These “scare" tactics are designed to convince you to provide your information or face negative consequences.
  • Change passwords often on your online accounts. Do not use passwords that contain words or names that may be easy to guess. It’s a good idea to use special characters in place of letters and use a combination of letters, numbers and special characters. (Ex. 1bmA*pGs@h)
  • Review your account transactions, account statements and credit card statements regularly to watch for any discrepancies and report them immediately.
  • Be suspicious of unsolicited emails or other contacts, including attachments or requesting personal or financial information.
  • Install, update and regularly run anti-virus and anti-spyware protection programs on your home and work computers.

If You Become a Victim

  • Contact your local Grundy National Bank location immediately for assistance in regards to your banking relationships.
  • Notify the issuers of any and all credit cards you hold to determine the proper course of action with those carriers, and close any accounts that may have had unauthorized activities.
  • Contact at least of one of the major credit reporting agencies to place a fraud alert on your credit report.

    Experian

    888-397-3742

    http://www.experian.com

    Equifax

    800-525-6285

    http://www.equifax.com

    TransUnion

    800-680-7289

    http://www.transunion.com

  • Contact your local police department to file a report.
  • Keep documentation of your contracts and activities regarding the identify theft incident for future reference.

Helpful Links

 

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