What are Phishing and Pharming?
Phishing attacks use both social engineering and technical subterfuge to steal consumer's
personal identity data and financial account credentials. Social engineering schemes use
"spoofed" emails to lead consumers to counterfeit websites designed to trick recipients into
divulging financial data such as credit card numbers, account usernames, passwords and social
security numbers. Hijacking brand names of banks, e-retailers, and credit card companies,
phishers often convince recipients to respond. Technical subterfuge schemes plant crimeware
onto PCs to steal credentials directly, often using Trojan keylogger spyware. Pharming
crimeware misdirects users to fraudulent sites or proxy servers, typically through DNS hijacking
How to avoid Phishing Scams
The number and sophistication of phishing scams sent out to consumers is continuing to
increase dramatically. While online banking and e-commerce is very safe, as a general rule
you should be careful about giving your personal financial information over the Internet.
- Be suspicious of any email with urgent request for personal financial information
Phishers typically include upsetting or exciting statements in their emails to get people to
They typically ask for information such as usernames, passwords, credit card numbers, social
security numbers, etc.
Phishers emails are typically NOT personalized , while valid messages from your bank or
e-commerce company generally are
- Don't use the links in an email to get to any web page, if you suspect the message might not be
Instead, call the company on the telephone, or log onto the website directly by typing in the
Web address in your browser
- Avoid filling out forms in email messages that ask for personal financial information
You should only communicate information such as credit card numbers or account information
via a secure website or the telephone
- Always ensure that you're using a secure website when submitting credit card or other
sensitive information via your Web browser
To make sure you're on a secure Web server, check the beginning of the Web address in your
browsers address bar-it should be https:// rather than just http://.
- Consider installing a Web browser tool bar to help protect you from known phishing fraud
- Regularly Log into your on-line accounts.
- Regularly check your bank, credit and debit care statements to ensure that all transactions
If anything suspicious, contact your bank and card issuers immediately!
- Ensure that your browser is up to date and security patches applied.
In particular, people who use the Microsoft Internet Explorer browser should immediately go
to the Microsoft Security home page at http://www. Microsoft.com/security/ to download a
special patch relating to certain phishing schemes.
Please remember the Cincinnati Police Federal Credit Union and anyone associated with the
Credit Union will not contact members asking for personal information. Anyone who receives
an e-mail or phone call asking for account information should consider it to be a fraudulent
attempt to obtain personal account data for illegal purposes and should not follow the
instructions. Please contact the Credit Union with any questions.