As the holiday season approaches, IMB would like to remind our members to be aware of potential scams and attempts to obtain card or personal information with the intent to use it for fraudulent purposes.
If you are holidaying outside of Australia, please ensure that you are aware of where your Visa card is at all times. If using an ATM overseas, check the ATM carefully and ensure that you shield the PIN pad when entering your PIN. IMB is aware of some instances where cards are retained by the ATM, then retrieved and used by fraudsters. Should your card be retained by any ATM, please contact IMB immediately to stop your card and prevent fraudulent use of the card.
It is also recommended that you monitor your account balances via Internet Banking regularly to ensure that there are no unauthorised transactions on your account as a result of your card details becoming compromised, particularly, if you have been using overseas ATMs.
The number of scams and phishing attempts being circulated to financial institution customers is increasing. IMB would like to remind our members to be aware of emails or SMS messages asking members to Log In and update membership, card or internet banking log-in information.
Unsolicited phone calls from people purporting to be from Microsoft, Insurance Companies, the Australian Tax Office or other government agencies advising that your computer has a virus, you have experienced a car accident or that you might be entitled to a refund of tax or fees are also being reported regularly to IMB. These calls are from fraudsters who are attempting to obtain your card details so that they can perform fraud on your account.
It is important to remember that IMB will never contact you and ask you to disclose your access codes or passwords or send a request to you with a link to any of our banking systems, requiring you to enter your member number and access code for verification purposes
Members who receive emails or SMS messages are advised to not click on any links provided and delete them. If you have clicked on the links and/or information has been provided or you have provided card details as a result of a phone call to fix your computer or receive a refund, you should contact IMB immediately for further assistance.
Often the emails, SMS messages or phone calls claim to be from legitimate companies including financial institutions and are always requesting passwords, login details or card details. Often emails and SMS messages will also use links and/or attachments to direct you to false sites or download viruses or trojans to your computer or mobile device.
Some common ways to detect these types of emails include:
- The email asks you to confirm or verify your account, card or internet banking log-in information via clicking a link or opening an attachment
- Check the URL of the links by hovering the mouse over the link
- The “From” email address is not from IMB
- The message is unsolicited and has a sense of urgency requiring a response
- Messages are often not personalised
Call and confirm the legitimacy of the message with IMB before opening
What can you do to protect against fraud?
- You should never divulge passwords for internet banking to others.
- You should ensure your computer has anti-virus, firewall and anti-spy software and keep it up to date
- You should never provide account information and passwords via email or SMS ; IMB will never ask for account information and passwords via email
- Only log into IMB’s internet banking from www.imb.com.au or through IMB’s Mobile Banking application.
- Select a password that is difficult to guess and has no connection to you
- Never respond to an email that requests your account details and passwords. If this occurs you should advise IMB immediately and then delete the email
- Regularly change your password
- Regularly check your account transactions and report any unauthorised transactions immediately to IMB
- Notify IMB immediately if you believe your password has been compromised
- Avoid using computers at public places, such as Internet Cafes
- Refer to IMB’s web-site periodically for security updates and alerts
- Install smartphone and computer security software