SmiShing or SMS phishing is about sending false, fake text messages, claiming the mobile user that they have won a free product or need to enter information or correct an account mistake. Within the fake text message, there is a fake URL link that would lure the individual into clicking the link or a fake phone number. After the user has clicked the link, that is when the hacking starts. The phone number may be to a hacker waiting to steal your info to use at an ATM.
They may request:
There are several indicators of an email or text message scam, including:
1: Avoid clicking on any UNKNOWN messages with links. Furthermore, think about who sent you the message. Is it a person that you know?
2: Do not reply to text messages that have asked you about any of your personal finances.
3: If you have received any messages in regard to your business assets or the partnerships that you have with them and/or the bank that is associated with them, call the business or businesses to see if it is a legitimate request before responding.
4: Be on the lookout for messages that contain the number "5000" or any number that is not a phone number. This is a strategy where scammers have masked their identity so their location and identity are not traceable.
5: If the text messages (along with the unknown number) urges for a quick reply then that is a clear sign of SmiShing! Don’t Respond!
6: Do extensive research before replying to any message. There are plenty websites that allow anyone to run a search based on a phone number and see any relatable information about whether or not a number is legit.
7: Never call back a phone number that was associated with the text that concerns you.
8: If the message states "Dear user, congratulations, you have won...." It is a clear sign for SmiShing.
9: Check the time when the unknown message was sent. If the text message was sent at an unusual time, then that is another sign of SmiShing.
10: Make sure to be aware and informed of your bank apps policy. It is important to acknowledge there is a policy that protects your money along with other personal information that is associated with the bank account.
11: Send the fraudulent message to the bank and wireless carrier.
12: Delete the fraudulent message.
Learn all contact methods that FCNB uses to contact you.
Phishing is a form of fraud in which the attacker tries to learn information such as login credentials or account information.
SmiShing is about sending false, fake text messages, claiming the mobile user that they have won a free product or need to enter information.
Choose your appropriate device below for instruction on how to increase security measure.
Online Banking security is intended to prevent unauthorized access to your account, validate your identity, protect your account information from fraudulent use, and prevent the theft of your identity.
Risks and ways to protect yourself using bill pay in online banking.
Business Online has enhanced electronic transaction capabilities.
Browse some of our offerings for your personal or business needs!