Internet Safety Tips

E-mails: Don't open e-mails from unknown sources

Phishing
Criminals have gone "phishing". This is the act of sending pre-text e-mails to unsuspecting recipients who may think it is an e-mail from their own bank or credit card company referencing problems with an account or some situation requiring a fast response. The e-mails are random, but sending thousands increases the likelihood that the scammers will reach some consumers who, indeed, do business with that particular bank. The e-mail or its links will use the bank's logo and other graphics to give the impression that it is actually the bank sending the e-mail, or "spoofing" it. The communication will then include a request to "verify" social security, account numbers, or passwords. Don't do it. Your bank or Credit Card company knows this information and does not need to ask you for it. This is a fraudster. A newer variation of this practice attaches "spyware" to your company, which can record keystrokes and other activity.

Read between the lines
E-mails do not have boundaries. You may be the recipient of a fraudulent e-mail from any country in the world. Pay attention to the finer details of any e-mail that you receive. Are there typographical errors or unusual grammatical mistakes within the letter? Is there a hyperlink in the e-mail that directs you to a web site address that also bears noticeable errors in language and grammar? Use extreme caution. Do not input your personal information until you verify the web site with your financial institution.

Report any suspicious e-mails and web site addresses immediately
Most e-commerce web sites maintain security departments that deal with spam, phishing scam letters and other security breaches. Many illegitimate e-mails are sent daily asking you to update your password because of purported "security compromise" that do not exist. Forward any unusual e-mails and web site addresses to us immediately and we will investigate. A simple phone call to the organization in question will answer any question that you may have regarding security compromises. Customer service centers are to be considered your ultimate resource when you receive potentially illegal or confusing e-mails. EBSB customer service center hours of operation and telephone numbers are: Monday-Friday 8:00 am-4:30pm. Telephone number 800-657-3272. Tech support is available 24/7 at 800-524-7912.

Pop up windows
Beware of any window that "pops up" during an Internet banking session. If the window asks you to access another web site or to enter your password then you should beware. "Rats," or Remote Access Trojans, can be installed on legitimate web sites by computer hackers who want to steal your personal information. Call EBSB Internet Banking customer service at 800-657-3272 immediately to determine the legitimate operation of their web site before you honor any request for your personal information.

Use the best virus protection and firewall protection that you can afford. Virus protection and firewalls provide additional layers of protection that you need to insulate your risk exposure to viruses that can rob your computer hard drive of valuable personal information. Virus protection packages and firewalls can be purchased online or at reputable computer software stores nationwide. Remember, after you install virus protection you will still need to regularly update the software to ensure maximum protection. Most software updates are free once you pay for the annual fee for virus protection software.

Spoofing
This malicious act can take several forms, but one of the most common vulnerabilities can occur when you make a mistake or a misspelling while typing in your bank's e-mail address. This site where you are directed may look just like your bank's web site, but it is not. If you make this mistake, the password and account information you provide thereafter could be stolen and put your bank account at risk. Best advice: be sure the address is correct before you press the "enter" button.

Contacts
It is always better to obtain guidance from EBSB when you suspect that you have inadvertently entered your personal information on a bogus web site. Do not delay in contacting us. There are many resources and solutions available to preserve your peace of mind as your financial well being. When in doubt, call EBSB at 800-657-3272 or 617-567-1500 or e-mail us.