Do Not Become a Victim of Bank Fraud
Bank fraud is a growing criminal activity in the United States. Criminals have spent a lot of time and energy into crafting different schemes to trick you into releasing your personal bank account information or to freely give them money. Such schemes include Identity Theft, Phishing, Pharming and Check Fraud.
Should anyone contact you outside the bank and ask for account information, be alert that someone may be trying to swindle you. Swindlers can be very friendly and official sounding. They may even know your name or have official looking documents for you to complete with sensitive personal and financial information. If you find yourself in this situation, do not give the caller any information. Try to get the callers name and phone number and call the bank right away to verify the authenticity of the call.
Phishing and Pharming
Internet scams will often involve sending emails using the banks logos and other materials making the email appear official. These emails will direct their victims to a copycat website where they will request sensitive personal and financial information. Don’t be fooled - just because the email looks as though it is coming from Guardian, does not mean it is.
The correct URL for Guardian Savings Bank online banking site is: https:\\www.gsbonlinebanking.com. This site is protected by a 128 bit encryption SSL certificate. This site has a “secure support” link you can use to contact us directly via a secure email. Any response back to you from this site must be retrieved through your online banking account by clicking on secure support.
Remember: Guardian will never ask for your account information or any personal identifying information over email. Guardian will also never send you an email with a link to connect you with us or anyone else. You can always call your local branch to verify the authenticity of any email.
Another common scam involves fake checks. This scheme will involve someone you don’t know who wants make a payment to you with a check or money order, but requires you to give some of the money back. Common examples of this scheme involve a bogus “lottery” or “sweepstakes”. Some swindlers will buy something their victims advertised for sale with a fraudulent check or money order. Sometimes the fraudulent item will be written out for more than the item is being sold for. The victim will give the difference to the swindler and deposit the fraudulent check, which will bounce. The victim will be out the amount of the check plus the amount they gave the swindler.
There is no legitimate reason for someone who is giving you money to ask you to give some of that money back to him or her. When receiving payment for goods, insist on a cashiers check for the exact amount from a local bank. Have the bank verify its authenticity prior to concluding your business transaction.
To better prevent yourself from becoming a victim of bank fraud, keep in mind that Guardian Savings Bank, FBI Agents, bank examiners or bank officers do not, under any circumstances, conduct investigations by telephone or internet that require you to verify your account information or withdraw cash from your bank account.