Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Back
Scroll to top

Learn How to Be A Phishing Attack Detective

Personal Finances 4 min read

Authors

Kiyauna McGirth

Ready to talk to an expert?

With a number of people relying heavily on online services and communication for work and personal life, cybercriminals have increased their volume of attempts to acquire personal information. One of the most common ways they may try to gain access to this secure information is through phishing attacks. This causes problems for both individuals and companies when they are trying to keep information safe.

What is phishing? As described by phishing.org, “Phishing is a cybercrime in which a target or targets are contacted by email, telephone or text message by someone posing as a legitimate institution to lure individuals into providing sensitive data such as personally identifiable information, banking and credit card details, and passwords. The information is then used to access important accounts and can result in identity theft and financial loss.”

These attempts may look like someone posing as a coworker, asking for input, including links or attachments, among other things. Scammers attempt to gain access to user information every day, but when you know what to look for you don’t have to become a victim.


Take a look at our playlist for a few tips to help you become a phishing email detective and use them in your everyday life.

  1. It is always a good idea to double check information before opening anything from unknown senders.

In episode 1, you see Gil Ubble attempting to open an email from an external source. Upon further investigation, the domain name does not match and the email is not from someone at the company.

Often times people are caught in these attacks because they aren’t paying close enough attention to who the email came from. If the email in question looks similar to something that provider would send, do not click on links or attachments. Instead, go directly to that company site or give them a call to make sure the information is accurate.


  1. If the email comes from someone who seems to work at your company, but you do not know the person, check to see if they actually work there.

Even if the person’s email shows that they work at your company, check the email for other signs of false information. Scammers may go to extra lengths to spoof email addresses as a way to get your information.

As you can see in episode 2 of our phishing attempts series, the attacker tries to use a name and email address from someone in the company to get Gil to open it. Before opening, they notice that the attachment is fraudulent and could potentially be harmful to Gil and the company.

Common mishaps by attackers could be misspelled words, poor sentence structure, or offers that sound too good to be true.


  1. Be careful when you click on attachments. When you open an attachment that is potential spam, it can open up the door for scammers to gather your personal information.

Gil was excited to receive the email and trusted the attachments that were included in episode 3. This caused him to allow the attacker to instantly gain access to information. Always read emails carefully. If the email asks for you to fill out forms, click links, or open anything, do so cautiously.

In cases where you are uncertain about an individual or the attachment, it’s best not to open it. If by chance you do open or fill out anything, contact your bank and service providers to let them know your information may have been compromised. If this happens while at work, contact your IT department immediately to resolve any issues.


As an added reminder, always ask yourself these questions.

Do you know the sender?
Is this a known email address?
Do you recognize the domain?
Did you request the information?
Were you expecting the information?
Is this too good to be true?

 

Want more tips on staying safe and not becoming a victim of phishing attacks? Use these resources to become a fraud prevention wiz.

Ready to talk to an expert?

Share:

Authors

Kiyauna McGirth, Banking Officer, Brand Communications Specialist
First Bank’s Good To Know Logo
Sign up for our newsletter and be the first to know about new tips, insights, and products from First Bank.
First Bank may use this email address to contact you about products, services, and promotions.

You may be interested in...

Image for tile. Money Mule Scams: How Criminals Convert Fraud into Profit What is a Money Mule? Money mules are individuals who unknowingly or knowingly assist criminals in laundering money, often by transferring illegally sourced funds between accounts or across borders. The source of the money comes from fraudulent scams or other illegal activities like drug trafficking. Criminals use their mule’s identity and layer the illegal transactions in an attempt to hide the illegal funds from law enforcement. Once properly hidden, the criminals are able to access their funds and cash out on their illegal activity. Common Money Mule Scams There are a number of ways that criminals will try to hide their money from law enforcement. Money mules are a form of money laundering, where criminals attempt to make their illegally sourced funds seem legitimate. Here are a few common ways people can unknowingly fall victim to money mule scams. 1- Deceptive Job Offers Money mule scammers will act as employers offering high-paying, remote positions. Common job titles could be payment processor, financial coordinator, or international fund liaison. While these job opportunities seem legitimate, their primary function is to receive and transfer illegal funds. The criminal will wire a large sum of funds to the mule, then instruct them to keep a percentage and transfer the remainder of the money to a different account or purchase a certain amount of cryptocurrency. The criminal hides behind their mule’s identity and is able to more easily access their funds. 2 – Romance Scams This type of mule scam exploits a victim’s emotions and trust. Scammers will find their victims on social media sites, dating sites or other online chat channels. They will deceive their victims with made up personas often using stolen photos and fake details. Over time, the scammer will attempt to build an emotional connection by sending affectionate messages or personal stories. Once they feel they have earned the victim’s trust, they will fabricate a story requiring financial assistance. These are oftentimes medical emergencies or travel issues that need quick funding into an account. Once the scammer has convinced their victim to oblige, they will continue to exploit their trust to launder their illegal funds. 3 – Lottery, Prize, and Investment Scams If something seems too good to be true – it probably is. These scams typically start via an unsolicited message or phone call informing you that you’ve won a prize. They instruct their victims to take a number of steps before they can claim their prize, and that is where the danger lies. These steps could include gathering your personal details, wiring a “prize tax” or fraudulent fee, accepting a large sum of money, and/or transferring a portion of the winning funds to another account. Similarly, investment scammers typically promise their mule victims “return” for their illegal money transfers – sometimes in the form of cryptocurrency or percentages of the money they wire. What are the Consequences? Large overdraft balances are most often the first consequence to the money mule. Once the criminal has access to their mule’s account, they typically push a large lump sum out of the account. This amount oftentimes will exceed the typical balance in the mule’s account, leaving them with a substantial negative balance to dig out from. Acting as a money mule is illegal, whether the crime is knowing or unknowingly committed. The punishment for these crimes include imprisonment and federal charges. Additionally, your identity and personal information could be stolen from the criminals involved in the money mule scheme. Internet Crime Complaint Center (IC3): The IC3 is run by the FBI and accepts online internet crime complaints from the victim at www.ic3.gov How to Protect Yourself As with most methods of protecting yourself against fraud – remain cautious whenever someone requests your personal information or banking information. Only share those details with people or organizations that you trust. If you receive a job offer from an online business, do your due diligence to confirm they are a legitimate company. Additionally, a legitimate employer will not ask you to form a company or open a new bank account on their behalf. Always be cautious if anyone asks you to wire or transfer money on their behalf. Be weary if something seems too good to be true, like you’ve won an unsolicited prize or been chosen to participate in a giveaway. Scammers act on urgency. If someone is pressuring you to do something that you’re uncomfortable with, walk away. If you or someone you know is afraid they are involved in a money mule scheme, it’s not too late to stop.  Stop communicating with the person giving the directions. Tell your financial institution and consider changing accounts. Report suspicious communications or activity to law enforcement. The Internet Crime Complaint Center (IC3) is the Nation’s central hub for reporting cyber crime and run by the FBI.  Visit www.ic3.gov for resources and more information about how to file a report. Maintain receipts, contact information and communications (emails, text messages, voicemails) so that information can be passed to law enforcement, if needed.   5 min read
Savings Account Interest Rates in South Carolina Whether you’re searching for savings account interest rates in South Carolina, looking for an account with a higher rate of return, in the market for a long-term savings strategy with tax advantages, or looking to open your very first savings account, First Bank in South Carolina can help. With First Bank’s savings accounts, you can grow your money the smart way. We offer various levels of interest rates on a number of both personal and business savings accounts, some of which accrue interest on any amount of money. Save conservatively in a basic savings account or water your money more aggressively in a Money Market account. The choice is up to you. First Bank offers a number of savings account options: Everywhere Savings MyFirst Savings Money Market CDs IRAs Health Savings Accounts Interested in More Than Just Rates? Our savings account interest rates aren’t the only benefit of trusting First Bank with your money. Our savings accounts also offer perks, such as: Withdrawal capabilities* Online and mobile banking so you can watch your money grow from home or on the go* Monthly statements that provide a detailed history of growth and transactions Account activity alerts to notify you of any action in your account Opportunities to avoid First Bank monthly maintenance fees* Reach out to First Bank or visit a local First Bank branch to learn more about savings account interest rates in South Carolina. We’re happy to answer all of your financial questions and help you find the best type of savings account for you. Plant your money at one of South Carolina’s First Bank locations and use our savings account interest rates. While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep if Fee Free™ section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule, which is also available at your local branch. 2 min read
Habitat Group Photo Q&A: What Should I Consider When Selecting a Bank? When looking for the perfect bank, ask yourself, “Does this bank complement my lifestyle and financial goals?” At First Bank, we believe it should. You may also want to consider the following 4 criteria: Community Involvement Longevity & Stability Personalized Customer Service Breadth of Financial Service   1. Community Involvement When comparing your banking options, consider how your prospective bank is involved in your community. If local economic growth is important to you, prioritize a community-focused bank that is committed to reinvesting in local economic development. An actively involved bank can provide your neighbors with increased access to small business loans, mortgages, charitable donations, and overall financial wellness. For example, First Bank has invested over $1.2 billion in community development loans to revitalize low- and moderate-income areas. Additionally, in 2022, we donated $500,000 to support education-focused initiatives across the Carolinas. As First Bank grows, so do the communities we serve. 2. Longevity & Stability Do your research – find a bank with a track record of success and the ability to remain steadfast during uncertain economic times. Consider how long the bank has been established and how they plan for growth into the future. First Bank began in 1935 during the height of the Great Depression in order to safeguard the hard-earned funds of local farmers, community members, and business people. Throughout our organization’s 87-year history, we have seen recessions, depressions, and many banks come and go. While we stay current with modern banking trends, we will continue to operate our company with an intense focus on safety and soundness, so our customers, clients, partners, investors, and associates know that we will provide safe and stable long-term success. 3. Personalized Customer Service It’s important to think about what your perfect banking relationship would look like. Do you value a tailored in-person experience or do you prefer online banking services with less one-on-one interaction? Regional banks, like First Bank, have the ability to offer the best of both worlds. The personal relationships that we develop within our communities help us advocate for our customers’ best interests. We can offer competitive rates and recommend the best financial tools to the right businesses, municipalities, and families at the right time. When you’re traveling 3 min read
First Bank logo
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognizing you when you return to our website and helping our team to understand which sections of the website are the most popular and useful.