What is Phishing?
Phishing is a form of fraud in which the attacker tries to learn information such as login credentials or account information by masquerading as a reputable entity or person in email, IM or other communication channels.
Typically, a victim receives a message that appears to have been sent by a known contact or organization. An attachment or links in the message may install malware on the user’s device or direct them to a malicious website set up to trick them into divulging personal and financial information, such as passwords, account IDs or credit card details.
Phishing is popular with cybercriminals, as it is far easier to trick someone into clicking a malicious link in a seemingly legitimate email than trying to break through a computer’s defenses. Phishing campaigns are often built around the year's major events, holidays and anniversaries, or take advantage of breaking news stories, both true and fictitious.
Tips to Prevent Phishing Attacks
1. Learn to Identify Suspected Phishing Emails
There are some qualities that identify an attack through an email:
- It could duplicate the image of a real company.
- The email may copy the name of a company or an actual employee of the company.
- It might include sites that are visually similar to a real business.
- It may promote gifts, or the loss of an existing account.
2. Check the Source of the Information from Incoming Mail
Your bank will never ask you to send your passwords or personal information by mail. Never respond to these questions, and if you have the slightest doubt, call your bank directly for clarification.
3. Never Go to Your Bank’s Website by Clicking on Links Included in Emails
Do not click on hyperlinks or links attached in the email, as it might direct you to a fraudulent website.
Type in the URL directly into your browser or use bookmarks / favorites if you want to go faster.
4. Enhance the Security of Your Computer
Common sense and good judgement are as vital as keeping your computer protected with a good antivirus to block this type of attack. In addition, you should always have the most recent update on your operating system and web browsers. See Below.
5. Enter Your Sensitive Data in Secure Websites Only
In order for a site to be ‘safe’, it must begin with ‘https://’ and your browser should show an icon of a closed lock.
6. Periodically Check Your Accounts
It never hurts to check your bank accounts periodically to be aware of any irregularities in your online transactions.
7. Phishing Doesn’t Only Pertain to Online Banking
Most phishing attacks are against banks, but attacks can use any popular website to steal personal data such as eBay, Facebook, PayPal, etc.
8. Phishing Knows All Languages
Phishing knows no boundaries, and can reach you in any language. In general, they are poorly written or translated, so this may be another indicator that something is wrong. If you never go to the Spanish website of your bank, why should your statements now be in this language?
9. Have the Slightest Doubt, Do Not Risk It
The best way to prevent phishing is to consistently reject any email or news that asks you to provide confidential data. Delete these emails and call your bank to clarify any doubts.
10. Change Your Passwords Frequently and When in Doubt
Change your passwords regularly – at least 4 times a year. Change it more if you can stand it. If you suspect you have been tricked by a phishing email, immediately change the password and notify your bank.