Our Mission

To empower F&M Bank clients with knowledge and defense tactics to prevent you or loved ones from falling victim to scams.



Spoofing

Definition

A scam that arrives by email, text, phone call, social media message, or website link that appears to be from a trusted source such as your boss, spouse, family, friend, bank or governmental agency.

Examples

  • An accountant receives an email from her company’s CEO’s personal email address asking her to wire transfer a large sum of money ASAP.
  • An elderly man receives a text from his grandson who is in jail outside of the country and needs bail to be paid in the form of gift cards.
  • A small business owner receives a phone call from the IRS asking her to make a credit card payment for back taxes.

Tips To Avoid Becoming A Victim of Fraud

  • Always validate email addresses and URLs against what you have on file to ensure it is not fake.
  • Don’t trust Caller ID on your phone.
  • Never click links in unsolicited emails or text messages.
  • Never provide personal or confidential information in response to an email, call, or text.
  • Verify payment/purchase requests in person or via phone not using the information provided by the scammer in the email or text message.
  • Be suspicious if you are being pressured to act quickly.
  • Be careful what information you share publicly online – it can be used against you.

Phishing

Definition

A scam that arrives by email, text, phone call, social media message, or website link that attempts to get you to reveal personal and financial information. Phishing may involve spoofing of an email address, phone number, or website URL.

Examples

  • A jobseeker receives an email from a company asking him to submit an application for a job, which requests his address, date of birth, and social security number.
  • An individual receives a text message indicating that his phone bill has not been paid and to call a number to provide his bank account information for payment.
  • A police chief receives a phone call from a vendor offering discounted face masks if payment is made in advance of receiving the merchandise.

Tips To Avoid Becoming A Victim of Fraud

  • Always validate email addresses and URLs against what you have on file to ensure it is not fake.
  • Don’t trust Caller ID on your phone.
  • Never click links in unsolicited emails or text messages.
  • Never provide personal or confidential information in response to an email, call, or text.
  • Verify payment/purchase requests in person or via phone not using the information provided by the scammer in the email or text message.
  • Be suspicious if you are being pressured to act quickly.
  • Be careful what information you share publicly online – it can be used against you.

Malware

Definition

Malicious software that users are tricked into downloading onto their computers through clicking a link in an email, social media message, or online ad that then allows scammers to access your personal files and track keystrokes. Ransomware is a form of malware in which the scammers “lock” your computer files and demand payment for unlocking them.

Examples

  • An employee clicks an online ad indicating she has won $1 million and unknowingly downloads ransomware on her company’s server, locking all files.
  • An individual opens an email attachment purported to be free music files sent by someone he does not know.
  • An elderly woman clicks a link she receives from a social media message claiming to have something “interesting” to show her.

Tips To Avoid Becoming A Victim of Fraud

  • Never click links in unsolicited emails or text messages.
  • Carefully review the email and web address, and spelling used.
  • Be careful what files you allow to be downloaded on your computer.
  • Keep operating systems, software, and applications current and up-to-date.
  • Make sure anti-virus and anti-malware solutions are set to automatically update and run regular scans.

Anti-Fraud Resource Center


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