Phishing, Pharming, Vishing, Smishing

Phishing

As previously noted, phishing is a message that prompts the victim to submit info such as usernames, passwords, birthdates, etc.  The message is formatted to pass itself off as a legitimate request from a source such as a financial institution.

Pharming

In this scam, malicious code is installed on a personal computer or server. This code then redirects clicks you make on a website to a fraudulent website without your consent or knowledge. Be mindful when entering financial information on a Website. Look for the ‘s’ in https and the key or lock symbol at the bottom of the browser. If the website looks different than when you last visited, be suspicious and don’t click unless you are absolutely certain the site is safe.

Vishing

Vishing is phishing by phone.  Scammers will call you and attempt to get you to share personal information over the phone, and then either access your personal financial accounts, or create new ones in your name.  

If you receive a call from someone claiming to represent a legitimate business or financial institution, ask for the caller's customer service center and business contact information.  Then verify that info online.  Many financial institutions have fraud divisions that this information can be shared with.

Smishing

This is phishing by by text message.  Again, clink on unsolicited links sent to you by text.  Do not provide personal data this way, either.  Your financial institutions will not do business with you this way, so you can be fairly certain that if someone is, it's fake.