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Staying Secure


Help and advice on keeping your information secure


Staying Secure

Help and advice on keeping your information secure

The convenience of telephone, online and mobile banking has made managing your money easier than ever before.  With multiple ways to access your bank account, fraudsters are becoming increasingly sophisticated in their methods to target the general public to accomplish financial gain. There are some simple steps you can take to help protect your personal information.

Click on the headings below, or the plus sign (+) to view the advice

 

Protecting your PINs and Passwords

Your Online Banking User ID, password and debit card PIN should never be shared with anyone, including the bank.

Use passwords that are difficult to guess. Using two words added together is advised, as well as a mixture of letters, numbers, symbols and letter cases.

If you think your PIN or password has been compromised, please change it immediately.

Printed Statements

Your printed statement is a very valuable and private piece of information. If you have not received your statement in the post (and have opted for printed statements), please notify the bank immediately.

Telephone Banking

When speaking with our Private Banking team or Helpdesk on the telephone, please make sure you are in a private environment and cannot be overheard revealing personal information. To protect you from identity fraud, you may be asked to provide your memorable word or information about a recent transaction.

Telephone Scams

Fraudsters attempting to attain your personal information by telephone could purport to be a representative of the bank or other authorities such as the Financial Conduct Authority, Police, Visa services or the Fraud Squad. Under false pretences, they could attempt to gain confidential financial information from you including your bank account and card details, PIN number and online banking details, or trick you into transferring money to a fake account.

There is no legitimate reason why the bank or above mentioned authorities would ask you to reveal confidential information via telephone or solicit transactions. If you are asked to do so, end the call straightaway and contact the bank or the police immediately.

If a representative claims to be from the bank and you are concerned by the nature of the call, please be sure to ask for your Private Banker or another staff member you can recognise. Do not hesitate to terminate a call if you do not feel secure.

SMS Scams

Posing as your bank or another trusted source, a fraudulent text message might request that you call a telephone number, click a link or send confidential information by reply. The sender may appear to be known to you, as fraudsters are able to mask their identities and behind genuine phone numbers. Never share or act upon confidential information requested by text message.

Cheque Fraud

There has been an increase in cheques being intercepted and altered. If you suspect that any of your cheques have gone astray, particularly in the post, or you discover that some cheques are missing from your cheque book, please telephone the bank immediately.

Investment Scams

There are various companies which will research your circumstances thoroughly to suggest investments which seem tailored to your needs, but are actually scams. Always check with the Financial Conduct Authority (“FCA”) if a company is registered before investing. Your Private Banker and our Investment Services team are always here to assist you should you have concerns about the legitimacy of an investment opportunity.

Cash Machine (ATM) Scams

Thieves tamper with cash machines (ATMs) by installing cameras to record the 4 digit PIN and other devices which retain your card. The cash machines often appear normal. As a precaution, you should always try to shield the keypad with your free hand. If an ATM does not return your card, please call the bank immediately. It may be a technical fault with the machine, or the ATM may have been compromised.

Online Safety

With the evolution of online and mobile app banking, you can access your accounts on the move, 24/7.

Whilst we take every measure to ensure that your online and app banking experience with Weatherbys is secure, there are a number of steps you can take to enhance your online protection.

Anti virus Software

Ensure that your computer and devices are kept up to date with security software which can help to protect you from online threats.

Unsecure websites

When shopping or banking online, any webpage where you are required to enter confidential information such as usernames, passwords and payment details must be secure to protect your personal information. Secure websites are denoted by the prefix https (as opposed to the usual http) and a padlock icon should also be displayed next to the website address bar. If you do not see this when being asked for your payment details, do not continue. Entering unsecure websites can allow hackers to steal your data as you enter the site.

Email Scams

Email scams have become increasingly sophisticated and it can often be difficult to identify a fraudulent email and website from an authentic one.

Security software on your computer and devices can help to protect you against spam and fraudulent emails, but it is also useful to know how to recognise what email scams can look like.

Phishing emails

Phishing is the use of fraudulent websites and emails with intent to steal personal data, such as credit card information and passwords. Criminals will send links to websites and/or email attachments that appear to be from a trusted organisation, such as a bank, email provider, known retailer or social media platform. Phishing emails use scare tactics to imply that an urgent action is required from you in order to prevent a negative outcome, such as an account being disabled or a final payment notice. Do not open unknown attachments or emails where you do not know the sender.

Scam emails

Scam emails attempt to draw in the recipient with incredible offers, such as large cash prizes. Other scam emails can include requests for payment of products or services which have not been purchased. Although the sender will not be known to you, the email will try to imply a connection or previous correspondence in an attempt to make the email appear more authentic.

Hoax emails

Hoax emails are disguised as communications from a trusted source such as a bank or known retailer. They often include company branding and replicate their common email format. Hoax emails can contain links to the false websites, designed to mirror that of the trusted source, tricking users into entering their username and password and thereby gaining access to further confidential information.

Our advice to you remains

  • Be wary of emails from unknown sources.
  • Carefully check the sender’s email address which may not be as legitimate as it first appears to be.
  • Think carefully before opening an email attachment, even from known senders. If you aren’t expecting an attachment, don't open it without confirming with the sender that it is legitimate.
  • Be mindful of false website links. Hovering your mouse pointer over a link will reveal its true destination.
  • Never share confidential information by email and be suspicious of any email asking you to do so.
  • Trust your instincts – if you are not 100% sure that an email is authentic, it may well be fraudulent.
Please find below some useful tools to help you keep safe online:

Little Book of Cyber Scams – From the Metropolitan Police
getsafeonline.org –  The UK’s leading source of unbiased, factual and easy-to-understand information on online safety
Cyber Security Tips & Advice –  From the European Union Agency for Network and Information Security (ENISA)
cyberaware.gov.uk – Government advice website promoting simple, secure online behaviours
takefive-stopfraud.org.uk – A campaign led by FFA UK and its members with partners Cifas and City of London Police