How to Recognize and Avoid Phishing Scams

In today’s digital world, phishing scams have become increasingly sophisticated and prevalent. At Beehive Federal Credit Union, we are committed to helping our members stay safe online. This article will provide you with the tools and knowledge to recognize phishing scams and protect your personal information.

What is Phishing?

Phishing is a type of online scam where attackers pose as legitimate institutions or individuals to deceive you into providing sensitive information such as passwords, credit card numbers, or social security numbers. These scams are often carried out through email, social media, or text messages.

Common Characteristics of Phishing Scams:

1. Urgent Requests: Scammers create a sense of urgency, claiming immediate action is required to prevent negative consequences (e.g., account suspension, missed payments).
2. Suspicious Links: Phishing emails often contain links that direct you to fake websites designed to steal your information. Hover over links to check their authenticity before clicking.
3. Generic Greetings: Phishing messages often use generic greetings like "Dear Customer" instead of your actual name.
4. Spelling and Grammar Errors: Many phishing emails contain noticeable spelling and grammar mistakes.
5. Unexpected Attachments: Be wary of unexpected attachments, as they can contain malware.

How to Protect Yourself:

1. Verify the Source: Always verify the sender’s email address and contact the institution directly using official contact information if you’re unsure.
2. Look for Secure Websites: Ensure the website you’re visiting is secure by looking for “https://” and a padlock symbol in the browser’s address bar.
3. Do Not Share Personal Information: Avoid sharing personal information through email or text messages.
4. Enable Two-Factor Authentication (2FA): Enhance your account security by enabling 2FA where available.
5. Use Antivirus Software: Keep your antivirus software updated to protect against malicious attacks.

What to Do if You Suspect a Phishing Attempt:

1. Do Not Click Links or Download Attachments: Avoid clicking on links or downloading attachments from suspicious emails.
2. Report the Scam: Report suspected phishing attempts to us and forward the email to fraud@beehive.org.
3. Change Your Passwords: If you’ve clicked on a suspicious link or provided information, change your passwords immediately.
4. Monitor Your Accounts: Regularly check your bank statements and credit reports for any unusual activity.

Phishing scams can be alarming, but by staying informed and vigilant, you can protect yourself from falling victim to these attacks. At Beehive Federal Credit Union, we are always here to support you. If you have any concerns or suspect a phishing attempt, do not hesitate to contact us.