Posts Tagged ‘cyber attacks’

Maintain a Healthy Skepticism Online

There are constant variations on how cyber thieves are trying to access and exploit the confidential information of people innocently maneuvering the web.  It makes sense to be skeptical of any e-mail, posted link, private message or inquiry.  Cyber thieves aim to gain your trust and get you to let your guard down.  This allows them to place spyware and malware onto your computer, learn important data about you that lets them access your accounts and private information, and trick you into unintentionally giving them money.  Attachments such as .zip files are notorious for acting like a Trojan horse to deliver malicious files to your computer.  Make sure you know what you are clicking on at all times.  Just because an e-mail appears to be from a well-known company, don’t assume it is.  Inspect the URL closely for variations in the name, or contact the company by typing in the correct website yourself, or calling them at the number you have on file for them.  A little diligence can go a long way. 

Be sure to “Like” our Pasadenafcu Facebook page, follow us on Twitter, check our PFCUandyou.com blog, and check the Safety and Security tab of our website for info on the latest scams.  Don’t enter personal information such as passwords, social security number, account numbers, answers to security questions and financial information into e-mails you receive.  Go to the website YOU have for the organziation or call them.  E-mails that would ask for information like that are most certainly “phishing” for ways to exploit your trust.  In this case, healthy skepticism can save you headaches and more.

Don’t Let a DDoS Attack Cut You Off From Your Money

DDoS attacks are mentioned more frequently in the news these days, but what are they?  The initials stand for “Distributed Denial of Service” and refer to cyber attacks which are performed by harnessing thousands of personal computers through spyware and malware and instructing them to navigate to a specific website, overloading the server and resulting in the website being inaccessible to legitimate users. 

While there may be any number of motives for such attacks, the goal is to render the targeted website useless for as long as possible.  When there are hints of a pending  attack, it is best to be proactive.  Internet rumors have indicated that a possible large-scale DDoS attack on American financial institutions might occur on Tuesday, May 7, 2013.  As a precaution, anyone who transacts business on financial institution websites is encouraged to refrain from doing so on that day.  Plan ahead and schedule online transactions in advance if possible. If you need to transact on that day, consider physically going to a branch or calling the institution.

Generally, it is not a good idea to wait until the last minute to schedule an online payment or transfer.  Always look ahead and schedule transactions well in advance to give yourself a cushion in the event of unforeseen roadblocks.  You’ll also have peace of mind, which is a great benefit of thoughtful planning.  PFCU’s Online Banking and Bill Pay, for example, allow you to schedule one-time or recurring future payments and transfers and have options for all sorts of convenient reminder texts or e-mails.  The internet is a valuable tool in communication, organization, and information-gathering.  Just be careful not to rely on it to the extent that you can be affected by temporary interruptions in service.  Always have a backup plan.

There are more Safety and Security blog articles here.  To get fraud alerts as soon as we communicate them, “Like” our PasadenaFCU Facebook Page and/or follow us on Twitter @Pasadenafcu.  The Safety and Security tab of our website is a great place to read up on internet safety, too.