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Internet Safety

LorMet will NEVER send a text message about an issue or restriction on your account asking you to call a number and provide account, card, or personal information.

LorMet will NEVER send an e-mail asking you to enter personal information directly into the e-mail or reply with personal information.

We will never threaten to close your account if you don’t reply.

Agencies or vendors affiliated with LorMet will not call you on the telephone and ask you to “verify” or provide account information that has “been lost.”

 


What is a Phishing Scam?

“Phishing” scam artists try to persuade you to give out personal information to use to steal your money and your identity.  Phishing schemes are carried out in person, over the phone, and are largely delivered online through e-mails or pop-ups.  These e-mails look very authentic and contain official looking logos from real organizations and other information stolen from legitimate websites like your credit union or other online merchants.  Unsuspecting people too often respond to these requests for their credit card numbers, passwords, bank account information, or other personal data.

Scammers may try to trick victims through an e-mail or ad on the Web, offering to make you an Account Manager so you can “earn money at home.”  Do not respond to the offer.  Learn more account internet risks of Phishing and Pharming and the latest scams at www.antiphishing.org.

If you click on a link in a Phishing scam, scammers may direct you to a fake site, with a similar URL to the real site.  Or, the site may be fake, but the address window showing the URL will be hidden by a “floating window”, displaying the legitimate URL to fool you (if you can’t click and type on the address, it may be a decoy address).  Links may also trigger the download of programs that record what you type (key loggers)

 


Online Security Tips

  • Keep antivirus and antispyware software up to date on your PC. Use a firewall, which can protect you from “key loggers.”  Consider installing a web browser toolbar to protect you from known phishing fraud website.
  • Avoid emailing personal and financial information.  Before submitting financial information through a website, look for the “lock” icon on the browser’s status bar.  It signals that your information is secure during transmission.
  • Delete suspicious emails without replying to them and never click on links in emails.  Call the company with a phone number from a recent statement or a number you know to be genuine and report the suspicious e-mail.
  • Do not download files sent to you by strangers or click on links from people you don’t know.
  • Use “strong” passwords and change them often.  Passwords should have a combination of letters, numbers, and special characters.  Avoid using obvious words and numbers, such as birthdates and names.
  • Always log out of an online banking session anytime you step away from your computer.
  • Examine your browser’s security settings to make sure they are set to an appropriate level of protection.
  • Only shop on web sites that offer a privacy policy.  Know how your personal information will be handled.  Print out privacy policies, warranties, price guarantees and other important information.  Read the privacy policy on any website to ensure your information is secure.
  • If you think you’ve been scammed, contact the credit union or financial institution of the account that has been compromised.  You can file a complaint with the FTC, and the Internet Fraud Complaint Center at http://www.ic3.gov.
  • Make sure any online credit card charges are handled through a secure site or in an encrypted mode.  You’ll know you’re on a secure site if the web page on which you conduct your transaction begins with “https” instead of the usual “http”.
  • Review your bank and credit card statements frequently online and make sure all the transactions are legitimate.