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Scams are Growing!! Here are some important situations to watch for so you can avoid them. Romance Scam Scammers pose as romantic partners met online or through social media, building trust before urgently requesting money or investment funds. Elder Abuse Scammers use emotional pressure, false promises, or impersonation to trick older adults into sharing personal information, sending money, or granting access to their accounts. Wire Transfer Fraud Wire fraud continues to rise nationwide, and scammers use sophisticated tactics to trick customers into sending irreversible wire transfers. Law Enforcement Impersonation Scammers may call or email, pretending to be law enforcement officials, threatening arrest or demanding money. They often spoof caller ID information* to make it appear as if the call is from a legitimate agency. Real Estate / Escrow Scams Criminals hack email accounts and send fake closing instructions to homebuyers, instructing them to wire funds to fraudulent accounts. Tech Support & Financial Institution Impersonation Criminals pose as tech support representatives, claiming there is an issue with your computer or device. They may ask you to download software or provide remote access to your device. Scammers pretend to be from your bank’s fraud department, claiming there is suspicious activity on your account. They may request personal information or ask you to transfer funds to a “secure” account.HOW TO PROTECT YOURSELF • Do not respond to unsolicited calls or emails from unknown individuals or numbers. • Never provide personal information such as Social Security numbers, bank account details, or passwords over the phone or email. • Do not click on links or download attachments from unknown sources. • Verify the identity of the caller by contacting the organization directly using a known and trusted phone number. • Report suspicious activity to local law enforcement and your financial institution immediately. WHAT TO DO IF YOU ARE TARGETED • Cease all contact with the scammers immediately. • Safeguard your financial accounts by notifying BANK OF ESTES PARK and monitoring for any unusual activity. Please call (970)586-4485 OR (303)652-8082 if you have suspected fraud

 

Computer Security

Bank of Estes Park continually makes investments in state-of-the-art online banking security to ensure we protect the confidentiality of every customer’s online information and to provide the utmost security of every user.

Computer protection tips:

  • Update your computer operating system on a regular basis.
  • Keep your browser current with the latest security updates.
  • Use updated anti-virus software.
  • Use updated anti-spyware software and consider using more than one, to ensure the most thorough scan.
  • Change your passwords on a regular basis, as a good practice to help prevent unauthorized access.
  • Download free software only from websites you know and trust.
  • Do not install software without knowing exactly what it is or what it will do (read the end-user license agreement).
  • Close pop-up ads by clicking on the “X” instead of clicking within the advertisement itself.
  • Do not click link inside of spam email. Especially emails claiming to offer anti-spyware software.
  • Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.
Phishing & Spoofing

Phishing scams target consumers by “spoofing” emails and websites. Here’s how it works:

  • You receive an email message, asking you to click on a link in order to update some sensitive personal information.
  • The link will redirect you to a “spoofed” website, which is designed to look like a legitimate website.
  • The website will ask you to input personal information such as your account numbers, PINs , or a social security number.
  • Poor grammar and misspelled words from unknown sources asking you for personal information are clear warning signs of a phishing scam being operated outside of the United States.
  • Phishing emails may also be fake contests or offerings, asking you to input personal information.
  • If an offer or email you receive is too good to be true, it most likely is.
Emails to Bank of Estes Park

Please do not send personal information in un-secure email. Secure email may be sent from the Secure Feedback form from within our Online Banking’s Support Tab.

Tips for the phone

Do not give out personal information, such as your account numbers, card numbers, Social Security, tax identification numbers, passwords, or PINs, unless you have initiated the call.

lf you ever believe you are not talking to a representative of a legitimate company, hang up and call the phone number listed in the telephone book.

Credit Bureaus Contact Information
Name Mailing Address PhoneWebsite
Equifax® P.O. Box 740241
Atlanta, GA 30374-0241
1 (800) 525-6285 www.equifax.com
Experian® P.O. Box 9532
Allen, TX 75013
1 (888) EXPERIAN (397-3742) www.experian.com
TransUnion® Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
1 (800) 680-7289 www.transunion.com

Equifax® is a registered trademark of Equifax, Inc. All rights reserved.
Experian® is a registered trademark of Experian Information Solutions, Inc. All rights reserved.
TransUnion® is a registered trademark of TransUnion LLC. All rights reserved.