If you are concerned that there has been a breach in your ASB account security, contact us immediately.
One of the best ways to stay safe online is knowing what to look out for. Here are some common threats and internet scams you can avoid.
Phishing is the process of trying to get information from people by pretending to be a trustworthy organisation. In most cases the scammer will send fake company emails asking for things like usernames, passwords or credit card details.
These emails can be very convincing. Sometimes they make offers for money, refunds or 'essential' updates to try and get you to act.
Typically, a phishing email will ask you to click on a link that takes you to a fake website. Once there, you are prompted to 'log in' to internet banking or provide personal details. They use this site to capture your information so they can use it fraudulently.
A phishing email can also contain malicious attachments that, if opened or downloaded, could compromise your system and information without your knowledge.
These 'junk mail' offers generally involve free or extremely cheap deals that are sent via email. The goal is usually to get money or personal details from you. Some attempt to get you to download keylogger software that can track everything you type and send it on to the scammer.
Another scam is to send a notice for a domain name that's very close to yours and hope that you don't notice the difference. If you receive a renewal for your internet domain name, check carefully that it's from the correct registrar.
Trojans are little bits of software that infect a web browser and have the ability to modify pages, transaction content or even insert additional transactions. This can happen in a completely covert fashion invisible to bother the user and host application.
A virus is a software program that copies itself when it's triggered. Usually that's when you download it, or open an unusual file. Once triggered, a virus can be desctructive and do things like overwrite files on a computer's hard drive.
A worm is like a virus that actively looks for ways to spread itself to other computers. This means worms can spread extremely quickly.
Occasionally you may be offered the chance to send and receive money on behalf of someone else. This may well be a money laundering scheme and if you take part you could be breaking the law.
People who get caught up in this type of thing are known as 'money mules'. Mules can be recruited in many ways including spam emails, recruitment websites and even newspaper ads. Once recruited, mules receive funds into their account, which they then withdraw and send overseas, usually minus a commission payment. The mule is the easiest part of the chain to track down and supplying any information to fraudsters can put them at risk of identity fraud.
A scammer could send you a cheque or an internet banking payment for something, but 'accidentally' pay too much. They may then ask you for a refund of the difference, which they hope you'll pay before you discover that the original cheque is worthless.
This is a hi-tech way of copying information from the magnetic strip on your bank cards. Once copied, this information can be downloaded onto another card and used to make purchases on your account.
If someone dishonest gets hold of your old bank or credit card statements they can use that information to steal money. So always keep important documents safe and destroy them (ideally by shredding them) before you throw them out.
This is where someone calls you and says that they're from a reputable company or business and may ask you to log into your computer as 'their system has reported it as having a virus' or even directly ask you for your card PIN.
ASB will never call you directly and ask you to confirm your banking password, or the PIN number to your accounts or credit card.