Hebron Savings Bank understands that the security of your personal and account information is important to you
Online Banking ID and Password
How You Can Protect Your Internet Security
- Keep your online banking and password to yourself.
- Change your password frequently.
- Remain at your computer until your online banking transactions are completed and log out when you are finished.
- Log out of online banking prior to visiting other Internet sites.
- Lock your PC or mobile device with a password. This is your first line of defense against intruders.
- Avoid public Wi-Fi's when accessing your online banking account or other sensitive data.
- If you notice suspicious or unusual activity on your online banking accounts, call our Bookkeeping Department during regular business hours at (410)749-1185.
New! WARNING – Phone scammers claiming to be from Hebron Savings Bank
The bank has received reports that customers are receiving phone calls from individuals claiming to be from the bank’s fraud department. The scammers are also spoofing our phone number making the caller ID look as though the call is from the bank. The caller goes on to say there is a problem with your online banking account or debit card, and begins to ask for account information.
THIS IS A SCAM – the bank will never call you unexpectedly and ask for your account information or any other personal information. Under no circumstance should you ever give anyone your online banking ID, your online banking password, your full debit card account number, and/or your debit card PIN number. If you receive a call similar to this, hang up immediately and call your local branch or our bookkeeping department at 410-749-1185 to verify that there is not a problem.
In the fine print of the letter, typically at the bottom, is a statement that says that the letter is “not affiliated with your current mortgage holder.” This technically makes these tactics legal, but it does not excuse the deceitful nature of the advertising. Our advice – disregard the letter and dispose of it properly (shred it if possible). We do not endorse any products or services that are being solicited by these or similar letters, and we encourage you not to purchase anything from, or give any information to, any company that uses these types of deceptive tactics.
The bank has received a report that scam artists are sending text messages to PPP loan recipients claiming to be referred by Hebron Savings Bank to assist with tax credits related to their PPP loan. The text message invites you to click a link for additional information.
THIS IS A SCAM. Do not click on the link or respond to the message in any way.
Hebron Savings Bank does not sell customer lists or your personal information. So how did the scammer get your PPP loan information? The details of every PPP loan is public information. A significant amount of information regarding each and every PPP loan is available to the general public from the Small Business Administration’s (“SBA”) website. The information provided by the SBA is very detailed (over 50 points of data), and the data includes the PPP loan number, borrower’s name and address, and the name of the lender…more than enough information for a scammer to create a targeted smishing/phishing scam.
General rule of thumb…never click on a link, open an attachment, or otherwise respond to an unsolicited text or email. It’s just not worth it.
Beware - there has been a significant increase in text message fraud. Unfortunately, one of the scams involves text messages saying that your debit/credit card has been compromised. The fake text messages direct you to click on a link and/or call a phone number. At that point you are asked to provide your full debit card number.
Any text message that asks for your full debit card number is fake - under no circumstance should you ever provide your full debit card number based on a text message, email or phone call.
These fake text messages are the same as phishing emails – they can look very convincing, but don’t fall prey to the scammers.
Always be mindful of any information you provide to an unsolicited text, email or phone call. Genuine fraud prevention services do not need your full debit card number. They also do not need the expiration date of your debit card nor the CVV number of your debit card. Your bank’s fraud personnel should only ask for the last 4-digits of your debit card number (no more than the last 4-digits), your zip code, and/or your name. At this point, you may be asked for additional information to verify your identity, but again, be cautious. This additional information should not be your full debit card number, should not be your debit card expiration date, should not be your debit card CVV number, or should not be your social security number.
If you suspect that you have unwittingly provided someone with too much information about your debit card, please contact the bank so that we can issue you a new debit card.
The bank has received several reports of customers receiving phone calls claiming that the Federal Reserve intends to close, block or freeze their deposit account(s). This is a scam. Please hang up, and do not respond to the call in any way. The Federal Reserve will never contact the public using unsolicited phone calls or emails to ask for money or personal information.
The bank has received information that an email scam is currently circulating that is purportedly from Hebron Savings Bank. In the scam the recipient is alerted to the fact that a large inheritance will be lost unless the recipient quickly responds to the email. Hebron Savings Bank is in no way associated with this or any similar emails. The bank would not use email to contact customers regarding important legal matters. Unfortunately, these sorts of scams are all too common. These “phishing” scams are an attempt to trick you into giving out your personal information and/or to trick you into sending money (often in the form of gift cards). Remember the old adage, if something is too good to be true, it probably is. Even though the email appears to be from Hebron Savings Bank, the sender’s actual email address is completely unrelated. Never respond to emails similar to the one described or click on any links that the email might contain. If you feel you need to reach out to the sender, then it is best to contact the sender directly by using a phone number or email address obtained using an internet search, and even then, you must still be cautious. Never give out any personal information based on an unsolicited email or phone call. Never send any form of payment (including gift cards) based on an unsolicited email or phone call (while we are on the subject of gift cards…good rule of thumb – anything that involves you having to send gift cards or gift card numbers is a scam).
Don't fall prey to Coronavirus tricks!
Banks and Government agencies have noticed a wave of new and evolving phishing schemes in response to upcoming Coronavirus economic impact payments. Fraudsters may prey upon vulnerabilities of those in financial distress, the elderly, and/or sick individuals.
Arm yourself against these attempts by knowing how the payments will work:
- The IRS will deposit payments into the direct deposit account taxpayers previously provided on tax returns.
- Those taxpayers who have previously filed but not provided direct deposit information to the IRS will be able to provide their banking information online to a newly designed secure portal on the IRS website in mid-April.
- If the IRS does not have a taxpayer's direct deposit information, a check will be mailed to the address on file.
- Retirees who don’t normally have a requirement to file a tax return will NOT need to file additional documents with the IRS or take any additional action in order to receive their payment. No one from the IRS will be reaching out to ask for any kind of information. The IRS will automatically send payments to retirees with no additional action on their part.
Scrutinize requests for information and beware some of the common tricks that scammers may try such as:
- Emphasizing the words "Stimulus Check" or "Stimulus Payment." The official term is economic impact payment.
- Asking you to sign over your economic impact payment check to them.
- Asking by phone, email, text or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up your economic impact payment.
- Suggesting that they can get a tax refund or economic impact payment faster by working on your behalf. This scam could be conducted by social media or even in person.
- Mailing you a bogus check, perhaps in an odd amount, then telling you to call a number or verify information online in order to cash it.
- Do not provide your direct deposit or other banking information for others to input on your behalf into the IRS secure portal.
- Do not reply to unsolicited requests for information or engage potential scammers online or on the phone.
- Do call us directly at 410-749-1185 should you have questions about your personal banking information or you think you may have potential fraud on your account.
- Do ensure that any information you read regarding the Coronavirus economic impact payments are from a reliable source.
Reporting Coronavirus-related or other phishing attempts
According to the IRS, those who receive unsolicited emails, text messages or social media attempts to gather information that appear to be from either the IRS or an organization closely linked to the IRS, such as the Electronic Federal Tax Payment System (EFTPS), should forward it to email@example.com. Learn more about reporting suspected scams by going to the Report Phishing and Online Scams page on the IRS website.Official IRS information about the COVID-19 pandemic and economic impact payments can be found on the Coronavirus Tax Relief page on the IRS website. The page is updated quickly when new information is available.
We have received reports from several local banks that scammers may be using something called “line-trapping” to try and trick you into revealing your personal information, including your debit card information. A scammer will call to tell you that something is suspicious, maybe that you’ve been the subject of a fraud attempt or maybe your debit card has been compromised. The scammer then instructs you to immediately call a professional, maybe the police, or maybe the bank’s phone number printed on the back of your debit card, but here’s the trick…in almost all cases the scammer will not give you the phone number they want you to call. Since you get to choose the phone number to call, a known number for the police or maybe the phone number from the back of your debit card, then this has got to be safe, right? What could go wrong? The key is the scammer wanted you to call someone…anyone...right away. The scammer then uses technology to leave the original connection open, even after you hang up the phone. Then when you use your phone to call the police or the bank, the phone number you dialed is ignored because the original connection (the connection that was made when the scammer first called you) is still active – the scammer just sat there on the open line and waited for you to pick up the phone again, but now the scammer “answers” as if they are the police or a bank employee. Now that they have gained your trust, because you made the call to a number you picked, they can start collecting your personal information.
Ways to recognize the scam:
- It would be very rare that the bank or an official agency would call you just to instruct you to call someone else. If you received such a request, be suspicious.
- Sense of urgency – if you are told you must call back immediately, then be suspicious.
How to protect yourself:
- Wait a short amount of time before calling the professional. In most cases the line-trapping technology will only leave the connection open for a few minutes, so wait at least 10 minutes before calling the bank or the police.
- If possible, call back using a different phone (different phone number).
- Visit your local branch in-person.
If you think you have been a victim of the line-trapping scam, please contact the bank so that we can block your debit card and issue you a new one.
"Free" Credit Monitoring Solicitation
The bank has received scattered reports of a company offering to check your credit for free, and the solicitation references Hebron Savings Bank by name. This solicitation is in no way affiliated with Hebron Savings Bank, and the bank in no way endorses or recommends the service. Since only a handful of our customers have reported the issue, we believe the solicitation is likely the result of advertising connected with your web browsing habits, but the examples we have been provided are troubling on several fronts:
- It references Hebron Savings Bank by name. The bank is not connected with or associated with, in any way, this or any other credit monitoring service.
- The solicitation prominently references “data security breach information” that may mislead customers into believing there has been a data breach at the bank if the entire solicitation is not carefully examined. Hebron Savings Bank has never suffered a data breach of any sort. The safety and security of our customers’ personal information will always be our top priority.
- Responding to the offer of a free credit report will require you to provide highly sensitive information and your credit card information. This could be a recipe for disaster. The bank does not recommend, under any circumstances, providing this sort of information for any purpose if you are not absolutely sure that it is being provided to a reputable and secure organization. Again, this solicitation did not originate from Hebron Savings Bank, and is in no way associated with or affiliated with Hebron Savings Bank, so at a minimum, these sort of questionable advertising tactics should bring into question the integrity of any company that would seek to use them.