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Scam Alert
This is to alert you of the circulation of scam emails by fraudsters, requesting customers to update their Account information by clicking on a supposed 'FCMB LINK' webpage link or replying to the email. The web page then requests Customers to provide sensitive information about their accounts, Passwords, ATM Card Details & Personal Identification Number (PIN).
If you have visited such sites in the past, kindly change your PIN immediately or call our Contact Centre Number (07003290000) or send an Email to customerservice@fcmb.com if unclear of the necessary steps to take.
Social Engineering
Social engineering is the act of manipulating people into doing what you want. In terms of online fraud, it usually involves tricking people into disclosing passwords, login details or other confidential information.
Tips on how to protect yourself:
Phishing
Phishing is the process of attempting to acquire confidential information by sending out emails or other kinds of messages that direct you to bogus websites or phone lines. These emails or messages claim to be from a particular company, but are actually sent by fraudsters, often at random. Any information you disclose on these bogus websites or phone lines is captured by the fraudsters.
You can protect yourself by treating any unsolicited emails or calls that ask for confidential information as suspicious. If in doubt, contact the company that supposedly sent you the message to make sure that it's genuine.
Trojans
A trojan is a type of computer worm or virus that is installed on your computer without your knowledge or consent. Typically, the fraudster will send you an email that tries to trick you into following a website link, downloading a piece of software or opening an attachment. If you take this action, the trojan is installed.
Trojans can be capable of recording passwords and other personal details by capturing keystrokes or taking screen shots of sites you visit. These details are then sent to the fraudster. The best way to protect yourself from trojans is to install firewalls, anti-virus software and anti-spyware programmes on your computer and keep them up to date.
Mobile Banking has made it easier than ever to check your account balance and view transactions, even when you're on the move. By taking the following steps to protect your mobile phone, you can make using our service even more secure.
Set up a password or PIN
Most mobile phones let you set up a password or PIN, so that your phone can't be used if it's lost or stolen. Make sure that you always have this feature enabled. You can also use the SIM lock feature of your phone to protect your SIM from being used if the phone is lost or stolen.
Install security software
Like computers, mobiles – especially smartphones with GPRS – are vulnerable to viruses, some of which can give fraudsters access to your personal information. To protect yourself:
Beware of Trojans and spyware
These are viruses and software that can be used by fraudsters to steal personal details. They're usually installed without your knowledge when you follow a link, open an attachment or download software from a fraudulent email or text message.
To protect yourself:
Keep your mobile software up to date
From time to time, your mobile manufacturer or dealer may release software updates for your phone. Keep an eye out for these and install them regularly.
Avoid sharing your mobile phone
If you have to share your mobile or send it off for repairs:
Fraudsters use many techniques to obtain customers' passwords and security credentials. One method is to call their intended victim pretending to be the bank or a police official and asking them to reveal their bank account details, card details, 3-digit security number, PIN numbers and any Online or Telephone Banking details.
To protect yourself, never give out any banking PIN numbers or card details to anyone who phones you.
Please note that if we do phone you, we will never ask for this information.
If you receive a call where the caller states that they are a member of bank staff always ask for their full name and department and if you have any doubts, terminate the call and contact us immediately.
Lost and stolen card fraud
This occurs when a lost or stolen card is used by a fraudster posing as you. Most lost and stolen card fraud occurs before you report the loss.
To protect yourself:
Counterfeit card fraud
Counterfeit card can be a fake card or a valid one that’s been altered or recoded. Most cases of this fraud involve skimming, the process by which the data on your card’s magnetic stripe is electronically copied onto another card without your knowledge. Skimming commonly occurs at retail outlets – particularly bars, restaurants and at cash machines that have been illegally fitted with a skimming device. The stolen data is then used to create counterfeit cards.
To protect yourself:
Card-not-present fraud
This occurs when fraudsters steal your card details and use them to make purchases over the Internet or by phone, fax or mail. Always be aware of who you are dealing with.
To protect yourself:
Identity theft on cards
This occurs when a fraudster uses your personal information to open or access card accounts in your name. There are two types.
To protect yourself:
How does cheque fraud occur?
Cheque fraud takes place when a fraudster uses a stolen or counterfeit cheque to pay for goods and services. Most fraudulent cheques are stopped before any loss occurs.
How to protect yourself against cheque fraud
If you believe you have been a victim of a fraud, please call our Contact Centre Number (07003290000) or send an email to customersolutions@fcmb.com. If your ATM PIN number has been compromised, please change your PIN immediately. You can also dial *329*911# to block you account from any number.
Your SIM card isn't just for calls and texts. It can provide access to your digital life, including your bank accounts. Here's how to protect it: