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Smishing is a type of scam conducted through fraudulent text messages with the goal of getting the recipient to share personal information. This can include fake messages from a bank regarding suspicious transactions or attempts to retrieve a PIN. Scammers ultimately use smishing to access credit cards, online banking accounts, and other financial data. The good news is there are several ways to avoid getting tricked by mobile phone hackers.

Online Banking Tips to Avoid Smishing Scams

Shop Responsibly

Trust your instincts by only shopping with well-known retail shops. Do an online search of obscure outlets before buying products and services from them. You're likely to find customer reviews and complaint filings if the retailer is fraudulent. As an added precaution, look for clear signs that the store's website is secure. One common indicator is a lock icon located in the URL box on a browser bar. These are highly visible on online banking websites.

Ignore Suspicious Texts

online bankingBe especially wary of text messages that require a confirmation of your personal information. This includes phone numbers, addresses, and email addresses. It may be tempting to reply, but it's likely a smishing scam for thieves to use your data to open credit cards and other accounts. The best way to avoid getting scammed is to delete the messages and report the number to the proper law enforcement authorities. You can also do an online search of the phone number to find out what information is known about the so-called company.

Report Shady Charges

Take a hard look at your mobile phone bill each month for any unauthorized charges. If you notice any shady transactions, let your provider know immediately. They will conduct an investigation to determine who made them. While the investigation is occurring, you generally won't be liable for the charges.

Install Anti-Malware

Just as with computers, anti-malware software can be installed on mobile phones. The programs are designed to identify smishing attempts and stop them in their tracks. Be sure to go with a reputable program and do your research before installing one on your phone.

 

These are just a few, helpful ways to protect yourself from smishing scams. First & Peoples Bank and Trust Company in Russell, KY, is 100% committed to having the latest firewall and security systems for its online banking and mobile banking networks. If you would like to learn more about these convenient banking services, call (606) 836-0211. Visit the website for information on a wide range of products and services for your unique financial lifestyle.

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