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Fraudulent Emails and Web Sites

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Fraudulent emails and text messages (phishing attacks) are becoming more common. These emails look like they are from a legitimate bank or credit card company, but indeed they are sent from criminals trying to obtain your bank or credit card information.

To protect yourself, look at the following when trying to determine if an email or text message is fake.

  • NBKC will never ask for the following personal information in an email or text message: credit and debit card numbers, bank account number, driver’s license number, passwords, ATM or online banking PIN.
  • Sender’s Email Address: To give a false sense of security, criminals include an official looking address in the "From" line. Do not let this field determine if it is a legitimate email.
  • Email or Text Message Greeting: A fraudulent email will contain a greeting such as "Dear Customer" rather than your name.
  • False Sense of Urgency: Most phishing emails try to deceive you with the threat that your accounts are in jeopardy of being closed.
  • Fake Links: Phishing emails have links that looks valid, but in reality send you to a fake website. Always check where a link is going before clicking. To do this, hover over the URL with your mouse, and look at the URL in the browser.
  • Attachments: Never click on an attachment unless you know what it is and who it is from. It could cause you to download spyware or a virus.

Fraudulent websites often accompany a phishing email which appears legitimate. Use the following tips to determine if a web site is legitimate:

  • Secure Forms: Prior to entering any personal information, make sure the page url has 'https:' in front of it. The 'https:' signifies a secure page.
  • Out-of-Place Lock Icon: Make sure the secure lock icon is in the status bar at the bottom of the browser.