Could That Email Be a Phishing Attempt?

Nettology - 14 Helpful Tips for New Year Digital Decluttering

Research has revealed that over half of all users end up opening fraudulent emails and often even fall for them. Phishing is done to gather personal information about you, generally related to your finances. The most common reason for the large number of people falling for fraudulent emails is that phishing attempts are often so well-disguised that they escape the eyes of a busy email reader. Here are a few tips that help you identify whether that email came from your bank or is another attempt at defrauding you…

1. They are asking for personal information – Remember, no bank or financial institution asks you to share your key personal information via email, or even phone. So, if you get an email where they ask for your ATM PIN or your e-banking password, something’s a miss.

2. The links seem to be fake – Phishing emails always contain links that you are asked to click on. You should verify if the links are genuine. Here are a few things to look for when doing that:

  • Spelling – Check for misspellings in the URL. For example, if your bank’s web address is www.bankofamerica.com, a phishing scheme email could misspell it as www.bankofamarica.com or www.bankofamerica-verification.com
  • Disguised URLs – Sometimes, URLs can be disguised…meaning, while they look genuine, they ultimately redirect you to some fraudulent site. You can recognize the actual URL upon a mouseover, or by right-clicking on the URL, selecting the ‘copy hyperlink’ option, and pasting the hyperlink on a notepad file. But, NEVER, paste the hyperlink directly into your web browser.
  • URLs with ‘@’ signs – If you find a URL that has an ‘@’ sign, steer clear of it even if it seems genuine. Browsers ignore URL information that precedes the @ sign. That means the URL www.bankofamerica.com@mysite.net will take you to mysite.net and not to any Bank of America page.

3. Other tell-tale signs – Apart from identifying fake URLs, other tell-tale signs help you identify fraudulent emails. Some of these include:

  • Emails where the main message is in the form of an image, which, upon opening, takes you to the malicious URL.
  • Another sign is an attachment. Never open attachments from unknown sources as they may contain viruses that can harm your computer and network.
  • The message seems to urge you to do something immediately. Scammers often induce a sense of urgency in their emails and threaten you with consequences if you don’t respond. For example, threat of bank account closure if you don’t verify your ATM PIN or e-banking password.

Finally, get a good anti-virus/email protection program installed. It can help you by automatically directing spam and junk mail into spam folders and deactivating malicious attachments.

Ready to discuss That Email a Phishing Scheme? Nettology is here to help.

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