Resources

Phishing and Pharming Scams

Tips To Help Avoid Becoming a Victim of Phishing and Pharming

  • Carroll Bank & Trust will NEVER contact you via email or text message requesting personal information such as usernames and passwords.
  • Carroll Bank & Trust will NEVER contact you via email or text message asking you to click on a link to access Online Banking. Always use our web page found at https://carrollbank.com or our Mobile App.
  • Never enter your social security number or any other personal financial information in response to an email request.
  • Never give your personal or financial information over the telephone, unless you initiated the call.
  • Review your account statements regularly, online and on paper.
  • Use security solutions on your computer to protect you from Internet threats. Antivirus software and a firewall are two basic solutions.
  • If you have a broadband (cable modem, DSL, T-1) Internet connection, it is especially important that you have these security solutions.
  • Use anti-malware solutions to keep your computer clean.
  • Don’t use easily-guessed or cracked passwords. Use unique combinations of upper- and lower-case letters, and add numbers and symbols.
  • Change your passwords regularly and don’t use the same password for multiple sites.
  • Never click on links in a suspicious email. Instead, open your browser and enter the web site’s domain name (e.g., www.abcbank.com).
  • “Patch” your computer operating system regularly to close security holes that might be exploited.
  • “Patch” third-party applications (e.g., Adobe Reader, Java) regularly to close security holes that might be exploited.
  • If you have a wireless Internet connection: (1) change the default admin password. (2) do not broadcast your SSID (Service Set Identifier). (3) enable your wireless key security using the highest level of commercially available encryption. (4) implement MAC (Media Access Control) address filtering as four fundamental security measures.
  • Always be suspicious of email attachments and web links, even if they appear to be from a trusted source.
  • When making purchases online, always make sure the session is encrypted by looking for the “https” in your browser address bar. This indicates Secure Sockets Layer (SSL) encryption is present.

Mobile Remote Deposit Capture

Deposit a check using the camera on your smartphone or tablet and the Mobile Banking app.

Benefits and Features:

  • Deposit checks online easily, securely, whenever and wherever you want
  • Save time with fewer trips to an ATM or to the bank
  • Safe and secure

Getting Started is Easy:

  1. Sign up for Online Banking
  2. Download our Mobile Banking App
  3. Call 731-209-1630 or 731-209-1634 and request to have this feature turned on.
  4. Use your Online Banking Username and Password to login to the Mobile Banking App
  5. Simply tap Deposit to deposit your check(s) and follow the prompts
  • Sign up for Online Banking
  • Download our Mobile Banking App
  • Call 731-209-1630 or 731-209-1634 and request to have this feature turned on.
  • Use your Online Banking Username and Password to login to the Mobile Banking App
  • Simply tap Deposit to deposit your check(s) and follow the prompts

For a detailed guide on using Mobile Deposit, Click Here

Important Deposit Requirements:
Endorsement- All Checks MUST have CB&T MOBILE DEPOSIT written below endorsement.

(Note: If check isn’t properly endorsed, it will be REJECTED)

  • The maximum you may deposit for any one item is $1,500. The combined total of mobile deposits may not exceed $3,000 per business day. You may request a change to these limits; however, approval is at the sole discretion of Carroll Bank & Trust.
  • If you have multiple checks, each check must be deposited independently.
  • Please make sure that the image of the check is clear and all information is readable. (Hint: place check on dark surface and in a well-lit area with all edges of the check within the viewing area)
  • Monitor your account and mobile app to verify that check has cleared and that funds are available before destroying any check. Carroll Bank & Trust may ask you to resubmit or provide original check if there is an issue with your deposit. (Please keep checks for a minimum of 2 weeks)

Cybersecurity Awareness

Consumers increasingly rely on computers and the Internet — the “cyber” world — for everything from shopping and communicating to banking and bill-paying. But while the benefits of faster and more convenient cyber services for bank customers are clear, there are risks posed by these services.

Common cyber-related crimes include identity theft, frauds, and scams. Every year millions of people are victims of frauds and scams, which often start with an e-mail, text message, or phone message that appears to be from a legitimate, trusted organization. The message typically asks consumers to verify or update personal information. Similarly, criminals create bogus websites for such things as credit repair services in the hopes that consumers will enter personal information.

How to Avoid Identity Theft

The best protection against identity theft is to carefully protect your personal information, for example:

  • Do not share personal information over the phone, through the mail, or over the internet unless you initiated the contact or know the person you are dealing with.
  • Be suspicious if someone contacts you unexpectedly online and asks for your personal information. It doesn’t matter how legitimate the e-mail or website may look. Only open emails that look like they are from people or organizations you know, and even then, be cautious if they look questionable. Be especially wary of fraudulent e-mails or websites that have typos or other obvious mistakes.
  • Don’t give out valuable personal information in response to unsolicited requests. Social Security numbers, financial account information, and your driver’s license number are some of the details that should be kept confidential.
  • Shred old receipts, account statements, and unused credit card offers.
  • Choose PINs and passwords that would be difficult to guess and avoid using easily identifiable information such as your mother’s maiden name, birth dates, the last four digits of your social security number, or phone numbers.
  • Pay attention to billing cycles and account statements and contact your bank if you don’t receive a monthly bill or statement since identity thieves often divert account documentation.
  • Review account statements thoroughly to ensure all transactions are authorized.
  • Guard your mail against theft, promptly remove incoming mail, and do not leave bill payment envelopes in your mailbox with the flag up for pick up by the mail carrier.
  • Obtain your free credit report annually and review your credit history to ensure it is accurate.
  • Use an updated security program to protect your computer.
  • Be careful about where and how you conduct financial transactions, for example, don’t use an unsecured Wi-Fi network because someone might be able to access the information you are transmitting or viewing.

How to Avoid Frauds & Scams

There are numerous scams presented daily to consumers so you must always exercise caution when it comes to your personal and financial information. The following tips may help prevent you from becoming a fraud victim.

  • Be on guard against fraudulent checks, cashier’s checks, money orders, or electronic fund transfers sent to you with requests for you to wire back part of the money;
  • Be aware of incoming e-mail or text messages that ask you to click on a link because the link may install malware that allows thieves to spy on your computer and gain access to your information;
  • Be suspicious of any email or phone requests to update or verify your personal information because a legitimate organization would not solicit updates in an unsecured manner for information it already has;
  • Confirm a message is legitimate by contacting the sender (it is best to look up the sender’s contact information yourself instead of using the contact information in the message);
  • Assume any offer that seems too good to be true, is probably a fraud;
  • Be wary of unsolicited offers that require you to act fast;
  • Check your security settings on social network sites. Make sure they block out people who you don’t want seeing your page;
  • Research any “apps” before downloading and don’t assume an “app” is legitimate just because it resembles the name of your bank or other company you are familiar with;
  • Be leery of any offers that pressure you to send funds quickly by wire transfer or involve another party who insists on secrecy; and
  • Beware of Disaster-Related Financial Scams. Con artists take advantage of people after catastrophic events by claiming to be from legitimate charitable organizations when, in fact, they are attempting to steal money or valuable personal information.

If you think you are a victim of a fraud or scam, contact your state, local, or federal consumer protection agency. Also, a local law enforcement officer may be able to provide advice and assistance. By promptly reporting fraud, you improve your chances of recovering what you have lost, and you help law enforcement. The agency you contact first may take action directly or refer you to another agency better positioned to protect you.

Violations of federal laws should be reported to the federal agency responsible for enforcement. Consumer complaints are used to document patterns of abuse, allowing the agency to take action against a company.

People who have no intention of delivering what is sold, who misrepresent items, send counterfeit goods or otherwise try to trick you out of your money are committing fraud. If you suspect fraud, there are some additional steps to take.

Alerts and Security Tips

When it comes to scams, there are many different forms people use to take advantage of others. We’ve put together a comprehensive list of scam suggestions that our customers should be wary of and avoid interacting with.

How to Identify a Scam

  1. Legitimate sweepstakes don’t require you to pay or buy something to enter or improve your chances of winning, or to pay “taxes” or “shipping and handling charges” to get your prize. If you have to pay to receive your “prize,” it’s not a prize at all.
  2. Sponsors of legitimate contests identify themselves prominently; fraudulent promoters are more likely to downplay their identities. Legitimate promoters also provide you with an address or toll-free phone numbers so you can ask that your name be removed from their mailing list.
  3. Bona fide offers clearly disclose the terms and conditions of the promotion in plain English, including rules, entry procedures, and usually, the odds of winning.
  4. It’s highly unlikely that you’ve won a “big” prize if your notification was mailed by bulk rate. Check the postmark on the envelope or postcard. Also be suspicious of telemarketers who say you’ve won a contest you can’t remember entering.
  5. Fraudulent promoters might instruct you to send a check or money order by overnight delivery or courier to enter a contest or claim your “prize.” This is a favorite ploy for con artists because it lets them take your money fast, before you realize you’ve been cheated.
  6. Disreputable companies sometimes use a variation of an official or nationally recognized name to give you confidence in their offers. Don’t be deceived by these “look-alikes.” It’s illegal for a promoter to misrepresent an affiliation with — or an endorsement by — a government agency or other well-known organization.
  7. It’s important to read any written solicitation you receive carefully. Pay particularly close attention to the fine print. Remember the old adage that “the devil is in the details.”
  8. Agreeing to attend a sales meeting just to win an “expensive” prize is likely to subject you to a high-pressure sales pitch.
  9. Signing up for a sweepstakes at a public location or event, through a publication or online might subject you to unscrupulous prize promotion tactics. You also might run the risk of having your personal information sold or shared with other marketers who later deluge you with offers and advertising.
  10. Some contest promoters use a toll-free “800” number that directs you to dial a pay-per-call “900” number. Charges for calls to “900” numbers may be very high.
  11. Disclosing your checking account or credit card account number over the phone in response to a sweepstakes promotion — or for any reason other than to buy the product or service being sold — is a sure-fire way to get scammed in the future.
  12. Your local Better Business Bureau and your state or local consumer protection office can help you check out a sweepstakes promoter’s reputation. Be aware, however, that many questionable prize promotion companies don’t stay in one place long enough to establish a track record, and the absence of complaints doesn’t necessarily mean the offer is legitimate.

How to Identify a Banking/Credit Card Scam

Banking Information:
We have received reports of a telephone scam where individuals are receiving phone calls in an attempt to obtain their debit card numbers and other card information. These callers identify themselves as Carroll Bank & Trust. This is a scam. Carroll Bank & Trust does not make unsolicited calls requesting sensitive account information. If you have provided your card number or other information to one of these calls, please call any branch of Carroll Bank & Trust immediately.

Visa/Mastercard:
By understanding how the VISA & MasterCard telephone Credit Card Scam works, you’ll be better prepared to protect yourself. How they trick individuals is by providing the individual with all of their information. The red flag is asking for you pin associated with the account. Visa or Mastercard will not call you to confirm fraudulent activity then proceed to ask for your PIN. Do not give it to them. Hang up and call your card’s customer service.

Consumer Protections

Several consumer laws help protect consumers against fraudulent sweepstakes and prize offers promoted through the mail or by phone.

The federal government has created the National Do Not Call Registry – the free, easy way to reduce the telemarketing calls you get at home. To register, or to get information, visit donotcall.gov, or call 1-888-382-1222 from the phone you want to register. You will receive fewer telemarketing calls within 30 days of registering your number. It will stay in the registry for five years or until it is disconnected or you take it off the registry. After five years you will be able to renew your registration.

Consumers who believe they have been victimized by fraudulent promotional offers also should contact their local postmaster or the U.S. Postal Inspection Service by phone, toll-free, at: 1-888-877-7644; by email, or by mail at: U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100.

Debit Card Fraud

Due to increased fraud, Carroll Bank and Trust has blocked all “Signature based” debit card transactions from the following states.

  • Florida
  • Georgia
  • California
  • Michigan
  • New York
  • Mississippi

If you will be traveling to these states and wish to have “Signature based” transactions, please call Carroll Bank & Trust at 731-209-1610.

All “PIN based” transactions made in the above states will not be affected and will process as normal.

All “Signature based” transactions made outside the United States have been blocked. If you will be traveling outside the United States and wish to have “Signature based” transactions added to your card, please call Carroll Bank & Trust at 731-209-1610.

ALERT: Traveling? Let us know and a travel alert will be issued on your account. Remember, you can still use your PIN# when using your card. Thanks for banking with us at CB&T!