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Online Security Center

At Washington Trust, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with The Washington Trust Company, and we honor that relationship with great care, beginning with the information you have chosen to share with us. We take your security and privacy seriously and take extra steps to ensure that your information is protected.

While we work toward protecting the confidentiality of your information, customers need to take appropriate precautions to protect their information as well. Here are some ways to protect your information while using Online Banking, Mobile Banking and the Internet:
 

  • NEVER reveal your username or password to anyone. They are designed to protect the privacy of your banking information.
  • Periodically change your password. This will help ensure the safety of your information.
  • Don’t leave your PC unattended during an online banking session.
  • Review your account statements regularly and report any unauthorized activity as soon as possible.

Here are some helpful links with more information on how to protect your information and the steps you should take if you think you have become the victim of identity theft or fraud.

Treat Your Mobile Phone Like You Would Your Computer

Mobile banking can be as safe as, and even more convenient, than banking from your home computer, as long as you take the same precautions. Imagine the following scenario:

You receive a text message or an automated phone call on your cell phone saying there's a problem with your bank account. You're given a phone number to call or a website to log into and asked to provide personal identifiable information — like a bank account number, PIN, or credit card number — to fix the problem.

But beware: It could be a "smishing" or "vishing" scam ... and criminals on the other end of the phone or website could be attempting to collect your personal information in order to help themselves to your money. While most cyber scams target your computer, smishing and vishing scams target your mobile phone, and they're becoming a growing threat as a growing number of Americans own mobile phones and enjoy the convenience of mobile banking. (Vishing scams also target land-line phones.)

Here's how smishing and vishing scams work: criminals set up an automated dialing system to text or call people in a particular region or area code (or sometimes they use stolen customer phone numbers from banks or credit unions). The victims receive messages like: "There's a problem with your account," or "Your ATM card needs to be reactivated," and are directed to a phone number or website asking for personal information. Armed with that information, criminals can steal from victims' bank accounts, charge purchases on their charge cards, create a phony ATM card, etc.

Sometimes, if a victim logs onto one of the phony websites with a smartphone, they could also end up downloading malicious software that could give criminals access to anything on the phone. With the growth of mobile banking and the ability to conduct financial transactions online, smishing and vishing attacks may become even more attractive and lucrative for cyber criminals.

Tips to Protect Yourself From Cyber Scams:

  • Don't respond to text messages or automated voice messages from unknown or blocked numbers on your mobile phone.
  • Treat your mobile phone like you would your computer ... don't download anything unless you trust the source.
  • When buying online, use a legitimate payment service and always use a credit card because charges can be disputed if you don't receive what you ordered or find unauthorized charges on your card.
  • Check each seller's rating and feedback along with the dates the feedback was posted. Be wary of a seller with a 100 percent positive feedback score, with a low number of feedback postings, or with all feedback posted around the same date.
  • Don't respond to unsolicited e-mails (or texts or phone calls, for that matter) requesting personal information, and never click on links or attachments contained within unsolicited e-mails. If you want to go to a merchant's website, type their URL directly into your browser's address bar

Check back next month for more ways to protect your privacy.

 

 

 

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