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Tech Support Fraud

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Phishing Scams

Phishing Infographic

Fraudulent Check Scams

Fake Check Scam Infographic

Online Dating Scams

Online Dating Infographic

Lost or Stolen Card

Is your debit card lost or possibly stolen? Call Haverhill Bank immediately so that we may deactivate your card to prevent fraudulent charges.

If you are an online banking customer, you can easily deactivate your card within online banking. Your card will remain disabled until you decide to turn it on again. Follow these instructions:

Desktop Users
Log in to online banking and select "Deactivate/Reactivate my Card" within the Service Center.

Mobile App Users
Select "Deactivate/Reactivate My Card" within Mobile Services.

Please note: whether you are an online banking customer or not, you MUST call and report the card lost/stolen.

Haverhill Bank Debit Cards
During business hours, call your local branch or our main number 978-374-0161. After business hours, please call 1-800-264-5578. If you are outside the country, please make a collect call to 1-412-552-2698.

Haverhill Bank Credit Cards
Consumer cardholders, please call 1-800-558-3424. Business cardholders, please call 1-866-552-8855. All cardholders: if you are outside the country, please call collect 1-701-461-1556.

Keeping Personal Information Safe

Keep your personal information safe! With the increase in identity theft victims nationwide, it pays to be sure that your personal information is protected.

Take precautions to secure your information by using passwords on your bank, credit card and phone accounts. Don’t use words or numbers that are easily available – like your mother’s maiden name, your birth date, the last four digits of your social security or phone numbers, or a series of consecutive numbers. Use a combination of letters, numbers and special characters in your passwords.

Ask how your personal information is kept secure at work and who has access to it. Ask about disposal procedures for these records as well.

It’s easy to be caught off guard. Don’t give out personal information over the phone, by mail or on the internet unless you have initiated the contact or you are sure you know who you’re dealing with. Before giving out personal information, confirm you are talking with a legitimate representative of a legitimate organization. To do so, call customer service using the phone number on your statement or on the company's official website.

Deposit outgoing mail in a post office collection box or at your local post office instead of in an unsecured mailbox. Tear up or shred charge receipts, copies of credit applications or offers, insurance forms, physician statements, checks and bank statements and expired credit cards.

Keep your social security card in a safe place and only give out your social security number when it’s absolutely necessary.

Information stored on your computer needs extra protection, too. Here are some ways to secure personal data on your computer:

  • Update your anti-virus software regularly
  • Don’t download files from strangers or click on links from anyone you don’t know
  • Use a firewall and a secure browser
  • Don’t store financial information on your laptop
  • Avoid using an automatic login feature that saves your user name and password

Keeping your personal information safe is an ongoing task. Haverhill Bank takes every precaution to keep your private information from falling into the wrong hands.

To learn more about how to protect yourself, visit the FTC's Identity Theft information site.

Consumer Security

Securing your information is a combined effort on both our part and yours, which is why we strongly recommend that you read and make use of the information below.

Haverhill Bank uses security and monitoring systems that keep track of any suspicious transactions or activity on your account(s). While you may receive a call from Haverhill Bank regarding some unusual activity, please remember that Haverhill Bank will NEVER ask you for your PIN, password or other personal information over the phone or via email.

Thieves that are trying to access your account(s) are determined and resourceful. Yet for all of their smarts, they look for the easy way to commit crimes – it is easy for criminals to attack you if your online devices, such as mobile phones, PCs and tablets, are vulnerable. Don’t be an easy target!

  • Be smart - Routinely change your password, ideally once every 90 days. Include letters, numbers and punctuation in a mixed case to create a more secure password. DO NOT use the same password for your online banking as you do for social media accounts such as Facebook or Twitter.
  • Be vigilant - Check your account balances and transactions regularly. Take advantage of Fast Balances* and account alerts to get near real time information on your account. If you spot a problem, call us immediately to limit any liability you may have.
  • Be current - Make sure your computer and other devices are updated regularly with the latest anti-virus software, malware/spyware detection programs and the most recent operating system ‘security patch’.
  • Be careful - Make use of firewall settings on any computer or device that you have connected to the internet. This added layer of security will help to protect you from viruses, DOS (Denial of Service) attacks, hacking and worms.
  • Be safe - If something doesn’t seem right it probably isn’t. If you get a strange email with a web link from someone you don’t know and didn’t ask for, don’t click on it.

To learn more, take a look at our Consumer Security Newsletter!

*Must have an active online banking account

Business Security

Haverhill Bank works to keep your account(s) safe, using various layers of security and protection. We perform checks when you log in to your online banking accounts to ensure that you are who you say you are, and we also monitor the transactions that occur on your account. If we do spot something that doesn’t seem right, we’ll contact you. Remember, though, that Haverhill Bank will NEVER request any personal information, passwords or PINs via phone or email.

While Haverhill Bank keeps an eye on your account(s), securing your personal and business information is a joint effort and there are things you can do within your business to prevent fraud:

  • Be selective – Conduct periodic assessments of your internal controls. Who in your organization has access to what? Do you have enhanced security in place for administrators or bookkeepers? What is the process for making high dollar transactions?
  • Be smart - Routinely change your password, ideally every 90 days. Including letters, numbers and punctuation in a mixed case password will generally create a more secure password. DO NOT use the same password for your online banking as you do for other online account logins, including social media.
  • Be vigilant - Check your account balances and transactions regularly. Take advantage of Fast Balances* and account alerts to get near real time information on your account. If you spot a problem, call us immediately.
  • Be current - Make sure your computer and other devices are updated regularly with the latest anti-virus software, malware/spyware detection programs and the most recent operating system ‘security patch’.
  • Be careful - Make use of firewall settings on any computer or device that you have connected to the internet. This added layer of security will help to protect you from viruses, DOS (Denial of Service) attacks, hacking and worms.
  • Be safe - If something doesn’t seem right it probably isn’t. If you get a strange email with a web link from someone you don’t know and didn’t ask for, don’t open it or click on the link.

For more tips on how to protect your information, take a look at our Business Customer Newsletter!

An important message for Business Customers: Account security is a partnership between Haverhill Bank and its customers. In order to assist us in keeping your finances safe, please check your account(s) daily. If you have any questions or notice a suspicious transaction, please call Haverhill Bank within one business day of the transaction date.

*Must have an active online banking account.

Online Bill Payment Security

Be wary of any billpay sites that claim to be affiliated with Haverhill Bank. For example, there is a company named Doxo that is a third-party website which allows customers to pay loan bills via their site. However, billpay sites may charge additional fees to process the payment and Haverhill Bank cannot control when we will receive customer payments from third party sites, possibly resulting in a late payment or non-payment.

To ensure that you are paying Haverhill Bank directly, always use our Online Bill Payment (or transfer) feature within online banking.

Security Alerts

As people nationwide seek to file their tax returns, cybercriminals attempt to take advantage of this with a variety of scams. Hundreds of thousands of U.S. citizens are targeted by tax scams each year, often only learning of the crime after having their legitimate returns rejected by the Internal Revenue Service (IRS) because scammers have already fraudulently filed taxes in their name. The IRS reported a 400% rise in phishing scams from the 2015 to the 2016 tax season. In the state, local, tribal, and territorial government sector during 2017, approximately 30% of all reported data breach incidents were related to the theft of W-2 information, which was likely used for tax fraud.

How is Tax Fraud Perpetrated?

Unfortunately, much of your personal information can be gathered from multiple locations online with almost no verification that the right person is receiving the information. Criminals know this, so they use this trick to get your personal information from a variety of websites and use the information to file a fake tax refund request! If a criminal files a tax return in your name before you do, they will file it with false information to get a large refund, forcing you to go through the arduous process of proving that you did not file the return and subsequently correcting the return. Once they have your personal information, criminals can continue to commit identity theft well beyond the tax season.

Another favorite technique used by criminals during the tax season is sending phishing messages indicating that a new copy of your tax form(s) is available. These emails often impersonate state, local, tribal, and territorial government comptroller and/or IT departments. They might include a link to a phishing website that uses your organization’s logo and the email might even have the right signature line. If you fill out or attempt to login into the phishing website, the criminals will be able to see your login name and password, which they can then use to try and compromise your other accounts. The more information they gather from you, the easier it is for them to use the information to file a fake tax return in your name.

Tax fraudsters also impersonate the IRS and other tax officials to threaten taxpayers with penalties if they do not make an immediate payment. This contact may occur through websites, emails, or threatening calls and text messages that look official but are not. Sometimes, criminals request their victims pay the “penalties” via strange methods like gift cards or prepaid credit cards. It is important to remember:

  • The IRS will not initiate contact about payment with taxpayers by phone, email, text messages, or social media without sending an official letter in the mail first.
  • The IRS will not call to demand immediate payment over the phone using a specific payment method such as a debit/credit card, a prepaid card, a gift card, or a wire transfer.
  • The IRS will not threaten to immediately notify local police or other law-enforcement agencies to have you arrested for not paying.
  • The IRS will not demand that you pay taxes without giving you the opportunity to question or appeal the amount you owe.

What Can You Do?

Here are some basic tips to help you minimize the chances of becoming a victim of a tax scam:

  • If you haven’t already, file your taxes as soon as you can…before the scammers do it!
  • Be aware of phone calls, emails, and websites that try to get your information, or pressure you to make a payment. If something seems suspicious, contact the organization through a known method, like their publicly posted customer service line.
  • Ignore emails and texts asking for personal or tax information. Be cautious as to whom you provide your information, including your Social Security Number and date of birth.
  • Don’t click on unknown links or links from unsolicited messages. Type the verified, real organizational website into your web browser.
  • Don’t open attachments from unsolicited messages, as they may contain malware.
  • Only conduct financial business over trusted websites. Don’t use public, guest, free, or insecure Wi-Fi networks.
  • Remember, the “HTTPS” does not mean a site is legitimate.
  • Shred all unneeded or old documents containing confidential and financial information.
  • Check your credit report regularly for unauthorized activity. Consider putting a security freeze on your credit file with the major credit bureaus if you suspect you have been targeted for identity theft.

If you receive a tax-related phishing or suspicious email at work, report it according to your cybersecurity policy. The IRS encourages taxpayers to send suspicious emails related to tax fraud to its phishing@irs.gov email account or to call the IRS at 800-908-4490.

 

The information contained herein is  for informational purposes only and does not express the views or opinions of Haverhill Bank. This information presented herein is offered as a resource and is intended to increase your security awareness, it is not intended to provide full security or protection against identity theft or fraud

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