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Online Security & Fraud Prevention

At Prosperity Bank, our priority is to provide quality service to our customers. Therefore, we have provided links to knowledge-based articles to assist you with safeguarding your information.

Business E-Mail Compromise

On June 14, 2016, the Federal Bureau of Investigation issued a Public Service Announcement entitled BUSINESS E-MAIL COMPROMISE: THE 3.1 BILLION DOLLAR SCAM. You can read the full announcement here:

Wire transfers and/or ACH origination instructions that are initiated by email, fax, and telephone represent a significant risk for fraud. Email accounts can be hacked and hijacked. Fax numbers can be spoofed and emulated with signatures scanned and pasted. Voice calls can never be authenticated without additional verification methods, such as a call back and/or PIN.

Unfortunately, there have been increasing instances where individuals or companies fall victim to wire transfer and/or ACH origination scams perpetrated through fake emails, faxes, or voice requests – often from people they believe to be senior executives of their own company, legitimate vendors, or customers.

Don't be a victim. Always question wiring instructions or ACH origination instructions sent by email, fax, or telephone - especially those with last minute changes for an intended beneficiary.

Zelle Fraud

A new way to pay is quickly becoming the newest entry point for scammers. Zelle, a payment source whose primary function is to send money to people you know, is stacking up customer reports of fraud. Customers are reporting having lost hundreds and even thousands of dollars when they used the new app. The app is being used for transactions between people who are in contact via online shops or sites like Craigslist.com. The Zelle app shows to be backed by US banks and is a legitimate service; however, the seller, once the buyer connects their account, accepts the payment and never sends the goods. TechCrunch.com says, “The seller – actually a scammer – will keep the money, then shut down their bank account, and disappear. The tickets, or whatever else they were purportedly selling, never arrive.”

Most banks are informing their customers that since the buyer approved of the transaction, there’s nothing the bank can do to get their money back.

Click the link to read more on this story.
Zelle Fraud - TechCrunch.com

Equifax Data Breach

Equifax has experienced a data breach impacting approximately 143 million US consumers.

Please read the Federal Trade Commission Consumer Information's article to find out if your information has been compromised and what you can do to protect yourself. The Equifax Data Breach: What to Do

For more steps you can take to protect yourself and your credit, read more from the Consumer Financial Protection Bureau: Identity theft protection following the Equifax data breach

Scam Warning - The Federal Trade Commission provides important warnings in this article Equifax Isn't Calling.

Fraud Prevention Tips - Smartphones

As a valued customer, we want to alert you of a new smishing (SMS Phishing) attack targeting smartphones.

Hackers are increasingly targeting their victims through smartphones. They send texts that attempt to trick you into doing something against your own best interests. At the moment, there is a mystery shopping scam going on, starting out with a text invitation, asking you to send an email for more info which then gets you roped into the scam. This is one example, but scammers are consistently developing new, inventive approaches to obtain information.

As a reminder, when you get a text, remember to "Think Before You Tap"; because more and more, texts are being used for identity theft, bank account take-overs and to pressure you into giving out personal or company confidential information. You may click here to watch a short video made by USA Today that shows how this works.

Homeland Security

STOP.THINK.CONNECT

Homeland Security has provided a great toolkit called STOP.THINK.CONNECT. It's full of important resources for both businesses and individuals. Take a look and learn how to protect yourself from today's cyber criminals.

FDIC Consumer News

The FDIC has issued a warning of 10 scams being used to target bank customers. Learn more here about how you can protect your personal information and your money.

Card Skimming

A form of fraud called Card Skimming is a complicated process full of technical terms. We will deal with the technical stuff, but what’s important to you is how to prevent becoming a victim. A card skimmer is something that thieves attach to an ATM in an effort to grab your debit card information off the cards magnetic stripe. These skimmers will gather data from multiple cards and sometimes even install a camera or a fake keyboard pad to gather your PIN as well. There are a few simple steps you can take to help defend against this type of fraud. First, if it doesn’t look or feel right, then don’t ignore your intuition…take a few extra steps to investigate. You can move everything around to see if it changes. Since card skimmers and fake keyboards are installed on top of existing hardware, they move easily and often wiggle when pushed on. Another step you can take is to cover the keypad with your hand when putting in your PIN. This will keep any possible camera from capturing your private information.

Security Alert - Wire Fraud with Email, Fax or Voice

There have been increasing instances where individuals or companies fall victim to wire transfer scams perpetrated through fake emails, faxes or voice requests, often from people they think are senior executives of the company or legitimate vendors. Here are some examples to ponder:

  • Your company’s CEO or CFO sends you an urgent email request (from his email address) to wire transfer funds immediately. He says in the email that he “was about to get on a plane” or was “at a funeral” or he provides some other excuse indicating he would be out of touch for an extended period of time.
  • You get an email from your regular outside vendor from their email address with a sudden change in wiring instructions to pay for an invoice.
  • You get an email or fax request from your realtor or title company with a change in wiring instructions for closing a real estate deal at the last minute.
  • You get a fax, on vendor letterhead with, what appeared to be, a legitimate signature with a different set of wiring instructions for a purchase your company was making.
  • You get a phone call or voice mail from a legitimate vender with wiring instructions, where you did not recognize the voice.

The common element in all of these scenarios? …. the use of an email, fax or voice wire request. These methods of communication are highly susceptible to fraud. Emails can be hijacked, faxes can be emulated with signatures scanned and pasted, and voice instructions are suspect without some kind of validation process.

Once funds have been wired, recovery may be impossible, especially if the wire destination is a foreign country.

What to do? Establish a culture in your business or personal finances that encourages a questioning mindset; where possible, utilize purchasing and treasury controls that require multiple approvals for wire transfers; but most of all, NEVER trust email, fax or voice wire instructions without contacting the originator directly in order to validate that the instructions are correct.

Also, watch out for emails from your “boss” or “vendor” where the language is a little odd. Perhaps the style is more formal than he/she normally communicates …. for instance, the use of the word “kindly” may not match the verbal style of the person sending the email…. so when the email says “kindly wire the funds” you should be suspicious. You should also be on the lookout for unusual colloquialisms … recently we had a fraudster sign off on a hijacked email with “Cheers”. Now, unless your boss or vendor is from the UK or Australia, “cheers” is not normal vocabulary for most Texas and Oklahoma residents.

Prevention is the key to avoid losses from wire transfer fraud.

Identity Theft

Identity theft occurs when someone assumes your identity to perform a fraud or other criminal act. Criminals can get the information they need to assume your identity from a variety of sources, including by stealing your wallet, rifling through your trash, or by compromising your credit or bank information. They may approach you in person, by telephone, or on the Internet and ask you for the information.

The sources of information about you are so numerous that you cannot prevent the theft of your identity. But you can minimize your risk of loss by following a few simple hints.

Tips for Avoiding Identity Theft:

  • Never throw away ATM receipts, credit statements, credit cards, or bank statements in a usable form.
  • Never give your credit card number over the telephone unless you make the call.
  • Reconcile your bank account monthly, and notify your bank of discrepancies immediately.
  • Keep a list of telephone numbers to call to report the loss or theft of your wallet, credit cards, etc.
  • Report unauthorized financial transactions to your bank, credit card company, and the police as soon as you detect them.

Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed. If your identity has been assumed, ask the credit bureau to print a statement to that effect in your credit report. If you know of anyone who receives mail from credit card companies or banks in the names of others, report it to local or federal law enforcement authorities.

Debit Card Transactions

Due to the massive amounts of media coverage on the subject, most of us are aware of the enormity of the signature-based debit card fraud being perpetrated by criminals around the world. There is no doubt it is a huge problem but not one without a solution. Currently, Prosperity Bank employs a multi-faceted approach to debit card fraud prevention and two of these facets are fraud monitoring and the use of Personal Identification Number (PIN) based transactions. At this time, PIN based transactions are the single most effective means to combat debit card fraud. However, later this year, we will provide our customers with the latest in “chip” technology which has proven to be very useful in preventing debit card fraud in other parts of the world. You will hear much more on this topic in the coming months. Please rest assured that we want to provide you with the most friendly and efficient level of service possible while also keeping you safe from the criminals who attempt to exploit our debit card system and the financial identity of our customers. If you ever have any questions or concerns, don’t hesitate to contact us at (800) 531-1401. We’re here to help you when you need us.

Fraud Alert: Texas Bankers Association name being used in nationwide fraud

The Texas Bankers Association (TBA) is warning about a fraud being used throughout the nation claiming affiliation with the TBA. A company referred to as "Fraud Services Inc." has been calling individuals demanding money and threatening arrest. Please remember the TBA will never call you to demand money or personal account information. And be assured the TBA is in no way affiliated with "Fraud Services Inc." If you have any questions or feel you have been a victim of this fraud, please contact the Texas Bankers Association at 512-472-8388.

Customers Receiving Phishing Phone Calls/Texts stating “Your Card is Locked”

Prosperity Bank has been informed that several of our customers have received what appear to be automated phone calls/texts, telling them that their Prosperity Bank ATM/Debit cards are Locked.

THIS IS A TELEPHONE PHISHING SCAM. PLEASE DO NOT PROVIDE ANY INFORMATION REGARDING YOUR PROSPERITY BANK DEBIT OR ATM CARD OR ANY OTHER PERSONAL OR CONFIDENTIAL INFORMATION REGARDING YOUR ACCOUNTS WITH US.

The automated message requests the call recipient to "Press 1" where they are to enter their 16 digit card number into their telephone key pad. Once this is entered, the scammers are then requesting the cards Personal Identification Number (PIN). The scam artists are attempting to obtain customer card numbers and PIN’s in order to gain access to customer accounts via ATM’s or Point of Sale Purchases. Again, please do not provide this information to anyone requesting this information via the telephone or by email.

If you received this phishing telephone call and did provide your Debit Card account number and/or PIN to the caller or any other personal account information, please contact your local banking center immediately, M-F 8:30am – 5:00pm, or our Customer Service Center at 1-800-531-1401, M-F 7:00am – 7:00pm, Sat 9:00am – 5:00pm so that we can take preventive measures to protect the security of your Debit Card(s) and ensure your account is secure.

After hours, please call 1-800-531-1401 to secure these cards if you did provide information to these scam artists.

Prosperity Bank will never request card or account information or PIN numbers from customers. In many cases, Phishing scams, whether by phone or through emails, attempt to gain personal information from the call or email recipients such as:

*First and Last Name
*Debit Card or ATM Card Number
*Debit or ATM Card Personal Identification Number (PIN)
*Date of Birth
*Social Security Number
*Account Number and/or Account Type

Customers must take every precaution to know with whom they are dealing with whether online or via the telephone. If you are unsure, please hang up on the caller or cancel your online session immediately. Please make contact with us and inform us if any of your information was provided during the call or session.

Phishing Fraud during Online Banking Login Process

Recently, the banking industry has seen an increased number of reported phishing attempts targeting the Online Banking solution. The phishing attempts have had these tendencies:

  • The login process is modified by adding a Web page stating the computer cannot be identified, and that you are required to enter your debit/credit card information to continue.
  • The next page that requests the data does appear to originate from a correct and valid Internet Banking site with the correct URL and certificate information. However, this page is being generated by malware installed on your local computer and not from the Online Banking site.
  • This malware was most likely installed from an opened e-mail attachment or a compromised website viewed on the infected computer.

Prosperity Bank will never ask you to enter personal, account or card information during the login process or for any Online Banking pages where the information requested is not relevant to the transaction. You should not enter sensitive data if you are prompted to do so. Also, any system accessing Online Banking should have anti-virus and anti-malware installed and the software definitions should be kept up-to-date.

If you have any questions please contact your local banking center for assistance or you may email us here.

Warning about Phishing Attacks!

Please be warned that fraudulent e-mails are being circulated asking for personal account information. These e-mails appear to come from Prosperity Bank or other Regulatory Entities with the subject of Important Message and they ask for you to update your account with a security enhancement. These e-mails are part of a large scam to acquire confidential account information, and no email from Prosperity Bank or other Regulatory Entities will ask you for that information. PLEASE DO NOT CLICK ON ANY LINK!

Prosperity Bank will NEVER send you an email, or call you, asking you to provide any confidential account information through an email link, or phone number.

If you receive any emails that appear to be from Prosperity Bank or any Regulatory Entity asking for confidential information you should:

  1. Treat the email with suspicion. Do not reply to the email or respond by clicking on a link within the email message. Do not dial any phone numbers contained in the email.
  2. Do not open any attachments contained in the e-mail, they may contain malicious code that will infect your computer.
  3. Contact your local banking center to report the suspicious email as soon as possible. If the email claims to be from Prosperity Bank you may report by phone or by emailing us through our website by visiting our Contact Us page.

Please be aware that Prosperity Bank takes every precaution to protect your account information. If you have any questions about how Prosperity Bank handles your confidential information, please read our Privacy Notice.

Customers Receiving Automated Phone Calls on Expiring ATM/Debit Cards

Prosperity Bank has been informed that several of our customers have received what appear to be automated phone calls, telling them that their Prosperity Bank ATM/Debit cards are about to expire.

THIS IS A TELEPHONE PHISHING SCAM. PLEASE DO NOT PROVIDE ANY INFORMATION REGARDING YOUR PROSPERITY BANK DEBIT OR ATM CARD OR ANY OTHER PERSONAL OR CONFIDENTIAL INFORMATION REGARDING YOUR ACCOUNTS WITH US.

The automated message requests the call recipient to "Press 1" where they are to enter their 16 digit card number into their telephone key pad. Once this is entered, the scammers are then requesting the cards Personal Identification Number (PIN). The scam artists are attempting to obtain customer card numbers and PIN’s in order to gain access to customer accounts via ATM’s or Point of Sale Purchases. Again, please do not provide this information to anyone requesting this information via the telephone or by email.

If you received this phishing telephone call and did provide your Debit Card account number and/or PIN to the caller or any other personal account information, please contact your local banking center immediately, Monday – Friday 8:30 A.M. – 5:00 P.M. so that we can take preventive measures to protect the security of your Debit Card(s) and ensure your account is secure.

After hours, please call 1-800-531-1401 to secure these cards if you did provide information to these scam artists.

The Prosperity Bank will never request card or account information or PIN numbers from customers. In many cases, Phishing scams, whether by phone or through emails, attempt to gain personal information from the call or email recipients such as:

  • First and Last Name
  • Debit Card or ATM Card Number
  • Debit or ATM Card Personal Identification Number (PIN)
  • Date of Birth
  • Social Security Number
  • Account Number and/or Account Type

Customers must take every precaution to know with whom they are dealing with whether online or via the telephone. If you are unsure, please hang up on the caller or cancel your online session immediately. Please make contact with us and inform us if any of your information was provided during the call or session.

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