Understand how you can minimize risks when you do your banking.
If you ever suspect your personal information may be compromised – or you think you may be a victim of fraud – it’s your responsibility to get in touch with us immediately at 604-419-8888 or contact your G&F branch.
We have provided many tips for being safe online. Below is a brief summary of safety precautions to practice while you are doing your banking:
- Don’t click or open anything you weren’t expecting to get without being certain of its safety, including being skeptical of links or attachments from friends or family. An email-FROM address can easily be spoofed and look like it’s from a friend.
- Deactivate autoplay. Autoplay allows applications to open digital media instantly and ransomware can exploit this and trick computers into running a program.
- Stay up to date. Accept and install updates to your computer’s operating systems, browsers and plug-ins when received from a legitimate and recognized source.
- Check your bank and credit card statements regularly to ensure that all transactions are legitimate.
- Ensure your home computer is running up to date anti-virus software.
The easiest way to tell if an email is fraudulent is to bear in mind that we will never ask you for your personal passwords, personal information numbers or login information in an email. Legitimate financial institutions do not include links to their web sites in email communications to customers. When banking online, check the address of any pages that ask you to enter personal account information. In the toolbar at the top of the page any legitimate Internet banking web site will begin with ‘https’ to indicate that the page is secure.
Look for the padlock found in the lower right corner of your screen. If the page is legitimate, by clicking on the padlock, you can view the security certificate details for the site. A fraudulent site will not have these details.
Type in our web address yourself to ensure you are transacting with our server.
Check your bank and credit card statements regularly to ensure that all transactions are legitimate.
Contact G&F Financial Group immediately if you suspect someone has gained knowledge of your PAC/PIN, or if you suspect any loss, theft, or unauthorized use of your account.
Protect your identity.
Recovery from identity theft is a long and traumatic experience. You can find helpful tools and information on identity theft at the Canadian Anti-fraud Centre website or at the Get Cyber Safe website. The RCMP also provides information on handling identity theft on their website.
Protecting your information when using a public computer
Be extra vigilant when using publicly available computers. Even if you adopt the tips above to protect your information, you need to bear in mind that even benign programs, like popular desktop search programs, can pose a security risk. Certain programs, such as Google Desktop, cache items that you have viewed so you - or potentially, an unwelcome third party - can easily search and find those pages later again.
If you come across a program like this when you are using a public computer, using the Enhanced Security feature located on the login screen will not stop these types of programs from caching the pages you view. You can adjust the search program preferences so it does not store secure pages you wish to view. If you forgot to adjust the preferences before banking online, you can remove the stored items via the Google Desktop results page by clicking on the Remove items link.
To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web site beforehand, we recommend you close your browser and restart it before proceeding to use our online banking services.
Be cautious when sending e-transfers.
When you are making an e-Transfer, a notification is typically sent from Interac to your recipient's email account. You need to be aware that criminals can attempt to intercept transfers by hacking email accounts. Once they are inside an account, criminals can see the notification from Interac and use the deposit link to redirect funds into a different account by answering the security question.
Here are some tips to prevent the e-Transfer notification from being intercepted:
- Select a question and answer that are not easy for a third party to guess. If the notification is intercepted, it will be harder for a criminal to answer and steal the funds.
- Never send the answer to your security question via email. Call or text the recipient with the answer.
- Be cautious not to click on any phishing links in your emails.
- Ensure that you are only making transactions with websites, vendors and people that you trust.
- Notify G&F immediately if you sense anything suspicious about your transaction.
What to do if you suspect fraud
- Contact your branch. Contact your G&F Financial Group branch immediately. A staff member will review your situation with you and determine, based on the type of fraud what next steps need to be taken.
- Contact a credit bureau agency. Contact a credit bureau agency and have fraud alerts placed on your credit reports: Equifax Canada, toll free: 1-800-465-7166 or TransUnion Canada, toll free: 1-877-525-3823.
- Contact the police. Contact your local police department to inform them about the fraud incident and open a case file.
- Report the incident. Reporting the incident to the Canadian Anti-Fraud Centre by calling 1-888-495-8501, is highly recommended.