WARNING! TIS THE SEASON....
Phishing Scam to Get Your Debit or Credit Card Number
Automated phishing scams are on the rise. These scams consist of calls to cardholders in an attempt to gain access to account information. During these calls cardholders are informed that their debt card has been deactivated and needs to be reactivated. The cardholder is then asked to provide key account information such as account numbers and expiration dates in order to re-activate the affected debt card.
Please remember Lake Elmo Bank and their 24 hour Fraud Watch service provider will never call and ask you for your debit or credit card numbers. We have all your account information and you should not provide anyone calling you with any sensitive information. If you receive a phone call about your debit or credit card do not provide any information and contact Lake Elmo Bank at 651-777-8365.
Malware in Fraudulent Emails----Disguised as Coming from FedEx & UPS
There has been a recent release of malware that has been causing disruption for companies worldwide. This malware typically comes in an e-mail from a shipping company (Fed Ex or UPS) offering tracking information or from a bank letter confirming a wire or money transfer. PLEASE DO NOT OPEN THIS ATTACHMENT! This malware will encrypt all files that the user has access to and there is no way to fix it once it has been opened. All files have to be retrieved from a backup that has not been affected by the malware.
As a good general e-mail practice if a user does not recognize the sender of the e-mail they should not open the e-mail. The e-mail should be deleted immediately or they should ask if the e-mail is a legitimate. Please keep in mind no matter what Anti-Virus you are running or what type of Firewall you have they will not catch all malware variants so it will come down to the individual user.
protect yourself with a few simple steps
Go digital. By paying bills online, you reduce the risk that checks and statements containing personal information may be stolen by identity thieves. And have your paycheck deposited electronically into your account.
Monitor accounts online and frequently. Use Lake Elmo Bank's and other financial institutions' websites to check for signs of fraud, and report suspicious or unauthorized activity immediately. Consumers with 24/7 access to account activity are most likely to uncover fraud the fastest.
Install and update security software. Make sure you have a firewall, antispyware, antivirus software, and browser security software on your home computer.
Never give personal information to callers. Don't respond to phone messages that prompt you to call another telephone number about your account. Similarly, don't send account information via e-mail messages--they're not secure. Don't respond to unsolicited or strange emails. Use contact information you already have for the financial institutions with which you do business.
When online don't click on any links within a pop-up as they can load a virus onto your computer or mobile device. Don't shop on unknown sites. Research the online merchant first to see if there are any complaints against them.
Order your free credit reports. A regular review of your credit file may detect unauthorized accounts or other fraudulent activity. Go to www.annualcreditreport.com to order one free report per year from Equifax, TransUnion, and Experian.
Shred it. Get rid of sensitive papers and statements you no longer need that contain personal information.
Finally, change a few daily habits. Mail bills from a locked mailbox; secure sensitive mobile data stored on a laptop, PDA (personal data assistant) or phone; and don't carry your Social Security card in your wallet unless you need it for a specific purpose on that given day. A stolen wallet that contains a Social Security card--as well as your address and other forms of identification--is like handing over your identity to a thief.
Report suspicious e-mails or calls to the Federal Trade Commission through the Internet at or by calling 1.877.IDTHEFT.
what you can do if you fall victim
Contact your financial institution immediately and alert it to the situation. If you have disclosed sensitive information in a phishing* attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:
P.O. Box 740250
Atlanta, GA 30374
P.O. Box 1017
Allen, TX 75013
P.O. Box 6790
Fullerton, CA 92634
Click here for a website that will provide you with some additional information on what steps you should take right away!
beware of scams
For more information on the latest scams and how to protect yourself from identity theft, click on any of the following links:
►Check out the latest Scams
►Identity Theft Resources
►How to Guard Against Internet Thieves