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Protect Yourself Against Fraud Attacks & Scams
Romance scammers take advantage of the season of love by forming fake online relationships to gain trust and exploit emotions. These scams often begin on dating apps, social media, or through unexpected messages and can lead to requests for money, gift cards, cryptocurrency, or access to your bank accounts. Warning signs include someone moving the relationship quickly, avoiding in-person meetings or video calls, creating urgent financial emergencies, or asking you to keep the relationship or request secret. If you’re ever asked to send money or share financial information with someone you haven’t met, pause and reach out to a trusted source or your bank right away, acting quickly can help prevent financial loss.
Ever received an email or text requesting you take urgent action? Scammers use realistic-looking emails and text messages to get you to click malicious links or share sensitive information. Be cautious of any type of message that is asking for information or has several typos. Always consider if you were expecting to hear from that person or organization/business. Be sure to review sender details to validate who it came from, and hover over links to review the destination before clicking or responding in any way.
Fraudsters may pose as financial institutions, government agencies, familiar companies, or even friends and family members. Some are so advanced they can spoof numbers so the number calling looks like the actual business line. They'll often use urgent language and tone, like in phishing emails, to push you into quick decisions. If you receive a call from a number that looks like Midwest Heritage or another business, consider if you were expecting to hear from us and use your intuition if something doesn't seem right. You have the right to hang up, find the direct phone number on the website, and call the number to verify it was legitimate.
Since peer-to-peer payment apps and marketplace listings on social platforms have become popular and widely used, so have scam attacks surrounding them. These platforms are constantly trying to find solutions or add more security in hopes that less will fall victim, but scammers often find a way around. Ensure that you are only sending money to someone you know or verify the recipient, some apps require the last 4-digits of their cell phone number. When shopping through marketplace apps, never pay for an item that you haven't seen, and consider if an item may seem too good to be true for the price.
Cybercriminals are increasingly using leaked credentials and social engineering to access your bank account. Their goal is to gain your information to make unauthorized transactions and steal your data. They do so by many of the tactics above, that is why it important to be aware of what information you are providing people and business, as well as never posting personal information on social platforms. An account takeover can have a significant impact on your identity, reputation, and financial well-being so it is highly important to stay alert.
Always set unique passwords and change them often. Configure Two-Factor Authentication or Multi-Factor Authentication whenever available. Use secure Wi-Fi whenever you are providing information or making a purchase online.
Within the Midwest Heritage mobile app, you have the ability to enroll in Card Controls. This feature allows you to disable your card if lost or stolen, set up notifications and alerts, and limit transaction or merchant types to keep your card secure.
Come into one of our branches to setup a Secure Phrase and/or Trusted Contact for additional safeguards on your account. With a Secure Phrase in place, we will ask that you recite the phrase in order to verify that it's you requesting account information or changes. Add a Trusted Contact that can be contacted when we cannot get ahold of you regarding possible fraud attempts on your account.
Utilize SavvyMoney, a credit management tool within the Midwest Heritage online banking app. Monitor your score with real-time updates and setup notifications for any significant changes.
Whenever something doesn't feel right, or seems to good to be true, follow your intuition. You have the right to say "NO" any time you don't feel comfortable providing information. Simply hang up and find a direct number to call before providing anything. Remember to verify senders, hover over links to see where they lead, and be cognizant of urgent requests.
Identity theft occurs when your personal or financial information is stolen by someone else who uses it to commit identity fraud.
Learn how to identify the red flags of fraudulent communication as well as tips and tricks to keep your personal information safe.
Discover how personal insurance helps protect against identity theft and online fraud—providing peace of mind in a connected world.
Report fraud attacks and scams to the FTC immediately.
Helpful videos and articles on fraud. Take their quiz to see how good you can spot a scam.
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