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Types of Online Fraud

Email and fraudulent websites

Sometimes criminals may send you email that looks like it has come from a bank. These phony emails ask you to go to a website that also looks like a bank and provide your personal account information. Some of these phony emails even caution that if you don't do this, your account may be suspended. But the website is also a fake, and this is a fraud attempt.

This is the most common type of online fraud, and is called "phishing and spoofing". Criminals send these phony email messages or direct someone to a fraudulent website for one goal, to steal personal and financial information.

Recently, scams have been reported that involve email accounts:

  • Business Email Compromise (BEC) - is defined as a sophisticated scam targeting businesses working with foreign suppliers and/or businesses that regularly perform wire transfer payments, although business checks may also be involved.
  • E-mail Account Compromise (EAC) - is a sophisticated scam that targets the general public and professionals where criminal actors use social engineering or computer intrusion techniques to compromise the e-mail accounts of unsuspecting victims. In many cases, a criminal actor first gains access to a victim’s legitimate e-mail address for reconnaissance purposes. The criminal actor then creates a spoofed e-mail account that closely resembles the legitimate account.

If you should ever receive an email that appears to be suspicious, do not reply to it or click on the link it provides. Simply delete it. To report a suspicious email that uses Amboy Bank's name, you can forward it to (If you have general questions about the bank or your accounts, please go to Contact Us.)

Spyware and viruses

Spyware and viruses are both malicious programs that are loaded onto your computer without your knowledge. Whether the goal of these programs is to capture or destroy information, to ruin the performance of your computer, or to bombard you with advertising, you don't want them.

Viruses spread by infecting computers and then replicating. Spyware disguises itself as a legitimate application and embeds itself into your computer, to monitor your activity and collect information.

Spyware and viruses are both serious threats to the security of your computer.

Pop-up advertisements

Pop-ups are the advertisements that "pop up" in a separate browser window. When you click on some of these pop-ups, it's possible that you're also downloading "spyware" or "adware."

Sometimes, criminals create pop-up ads that look like they come from a respected financial institution and ask you to enter personal financial information, but Amboy Bank and most other financial institutions will never ask you to verify personal financial information in pop-ups.


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