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Online Security

Online Fraud

We recognize that as the electronic financial world gets more complex, online fraudsters become more sophisticated as well. Most electronic fraud falls into one of three categories:


Phishing
Phishing is a scam in which fraudulent emails, appearing to be from a trusted source such as your bank, direct you to seemingly trustworthy websites. Once there, you are asked to verify personal information such as name, account, passwords and the like. These sites are often designed to look exactly like the site they are imitating. Some of these emails even caution that if you don't do this, your account may be suspended. Should you receive a suspicious message of this sort, do not reply to it or click on any of the links that may be in it. Simply delete it. Learn more about Phishing.

Pharming
Pharming is a form of scam that redirects legitimate domain name requests to fraudulent websites, where users get prompted to enter sensitive data, such as password or credit card number. Similar to phishing, fraudulent sites are often made to look like legitimate ones (your bank for example). What differentiates pharming from phishing scams is that the attacker does not have to rely on having the user follow a link in an email. Even if the user correctly enters a website address into a browser's address bar, the attacker can still redirect the user to a fraudulent website.

Malware
Malware (malicious software) is software that is designed to infiltrate or damage a computer system without the owner's knowledge or consent. This software is used to steal personal information and illegally obtain funds. Common forms include: Keystroke Loggers and Trojan Horses.

How Can You Protect Yourself?

Champlain National Bank takes every precaution to keep your personal information secure. You, as our client, play a huge role in maintaining security of your personal information. Here are a few tips:

  • Never follow a link in an email message that asks you to provide sensitive personal or financial information.
  • Never reveal your online banking passwords to anyone.
  • Frequently monitor your account activity.
  • Keep your anti-virus software updated.
  • Never send your personal information via unsecured email.
  • Only use your credit card number on Internet sites that have a secure, encrypted system (look for the "HTTPS" in the address line or lock icon).
  • Choose passwords and PINs that are difficult to guess
  • When you have completed a bank transaction, be sure to click the "Log Off" button instead of just closing the browser window.
  • When your computer is not in use, disconnect it from the Internet.
  • Stay informed. Learn more about Identity Theft.
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