Cyber Scams and Frauds

 
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Cyber criminals are using more sophisticated technologies than ever before to target you and attempt to separate you from your money. To protect yourself from hackers, scammers, and identity thieves, always proceed with caution and confirm requests are legitimate before responding.
 

Horizon Bank will never call you to ask for your Online Banking login credentials or other personal information; including recent transactions, PIN number or account or debit card numbers. 
 

Common Internet & Mobile Fraud
 

TEXT MESSAGE FRAUD
Smishing is a text message attempting to obtain sensitive information, often stating that your account has been restricted, and that you’ll need to call a phone number or click a link to gain access. These text messages may look like they’re from a company you know or trust, and you may not realize the message is fake until it is too late.

Tip: Delete any text messages that ask youto confirm or provide personal information. 

EMAIL FRAUD
Phishing is the criminal attempt to steal your personal information through fraudulent emails or smart-phone texts. They are often very believable, luring the victim to a site that asks them to provide (or “verify”) personal financial details such as account numbers and social security numbers. A variation is called Spear Phishing, which are electronic messages that appear to come especially to victims from their employer, usually a large corporation.

Tip:  Be suspicious of 800-number callers.

COMPUTER FRAUD
Spyware is the term used for criminal software that a victim unknowingly loads on a personal computer. Once there, the spyware collects personal information and sends it to the criminal.

Tip:  Keep your computer security software up-to-date