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Counterfeit or Spoofed Web Sites x

A counterfeit or spoofed website is one that mimics a legitimate website to lure you into disclosing confidential information. To make spoofed sites seem legitimate, thieves use the names, logos, graphics and even code of the real company's site. They can even fake the URL that appears in the address field at the top of your browser window and the padlock padlock that appears in the lower right corner. The links in the phishing e-mails almost always take you to a counterfeit or spoofed web site.

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Key Logging

This is another method used to capture your personal information. Here's how it works. You click on a link to a website or open an attachment that secretly installs software on your computer.

Once installed, it records everything you type, including any User IDs, Passwords and account or personal information. Thieves know how to retrieve this information, or even set it up to automatically have it sent back to them! This is a very real risk when using public or shared computers such as those in Internet cafes.

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WHAT YOU CAN DO TO PROTECT YOURSELF FROM BEING PHISHED
  • Make sure your computer has anti-virus and anti-spyware software.  Anti-virus and spyware software needs frequent updates to guard against new viruses or spyware. Make sure that you download new updates as soon as you're notified that they're available. Consider setting up an auto-schedule to scan your PC at regular intervals.
  • If you have a HIGH-SPEED connection, use a personal firewall.   A personal firewall can help prevent unauthorized access to your home computer.
  • Don't access personal or financial information via a public computer or connect your personal PC or laptop computer to an unknown wireless access point.   There is no way of knowing what type of security exposures exist on a PC that is not your own. You may become subject to key-logging or other types of viruses and malicious spyware.
  • DO NOT CLICK ON UNSOLICIETED E-MAILS, especially those asking for personal information.   Even if you don't supply personal information, just clicking on and opening the e-mail can enable thieves to access your computer, record your keystrokes, and capture passwords you use to log on at various websites.
  • Go directly there.  The best way to get to ANY website is to type its address (URL) into your browser and then bookmark it in your "Favorites".
  • Create hard-to-guess passwords.  Use at least 8 characters and a mix of letters and numbers. Don't use all or part of your LOG-IN ID or e-mail address, or names of your children, spouse or pet. Be sure to use a DIFFERENT password for each of your online accounts.
  • CHANGE your password frequently.  Every 45-60 days is recommended.
  • Monitor your account activity.  Sign up for Internet Banking ALERTS to monitor your accounts daily. If you don't recognize a transaction or suspect fraud, immediately call (904) 777-6000, option 3 or (800) 445-6289, option 3.
  • Review VyStar's Security Statement.  This provides information on our commitment to security, how to protect yourself against e-mail, online fraud and identity theft, as well as how to report fraud.
  • Review your credit bureau.  You are entitled to one FREE credit report annually and can get up to 3 (one from each bureau agency) at www.AnnualCreditReport.com or by calling toll free, 1-877-322-8228.

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about phishing   ||    spot a phishing e-mail   ||   report a phishing scam
LEARN ABOUT PHISHING

Sample Phishing e-mail and websiteEvery Internet user should know about phishing (a.k.a. spoof or hoax) e-mails that appear to be from a "legitimate" company but can put you at risk.

Although they can be difficult to spot, they generally ask you to click a link back to a counterfeit or spoofed website and provide, update or confirm sensitive personal information. To bait you, they may allude to an urgent or threatening condition concerning your account.

WHAT PHISHING E-MAILS ARE AFTER
  • ATM/Debit or Credit Card Number & PIN

  • Credit card validation (CVV) code

  • Internet Banking LOG-IN ID & PASSWORD

  • E-mail Address

  • Secret Code or Mother's Maiden Name
  • Social Security Number (SSN)

  • Account number

  • Name

  • Address

  • Phone Number

Even if you don't provide what they ask for, simply clicking the link could subject you to background installations of key logging software or viruses.

Learn about what you can do to protect yourself from getting phished.