Scam Alert: How To Know That Your Bank Account Has Been Hacked
As society’s reliance on technology grows, especially for services like banking, we will continue to see issues with account hacking. Whether on a large scale or small, data breaches are becoming increasingly prevalent.
Cyber attacks on banks happen all too frequently. Thankfully, most banks are well protected against hackers, and the threat of a cyber-attack shouldn’t stop you from using a financial institution.
Here are some common warning signs you may start seeing when your account is been hacked.
Signs showing that your bank account has been hacked;
If you really value that you hard-earned money in your bank account you should keep a close eye on these warning signs that your account could be compromised:
1. A phone call from your bank: If your account is compromised, your bank may call to notify you of the recent breach. However, it’s essential that you don’t provide the caller with any personal information.
2. Unfamiliar transactions: Sometimes you’ll notice small yet unfamiliar purchases. Thieves often do that to test if your card will work before making larger ones.
3. Strange purchases: Seeing activity that’s out of the ordinary may be the first clue that a hacker has infiltrated your account. Watch for transactions made in locations where you haven’t been.
4. Blocked login: If a hacker accesses your account from an unfamiliar location or tries your password too many times, your account may block you from logging in.
5. Closed/Emptied account: In more extreme cases, you may find that your bank account has been emptied or closed altogether.
6. Card denial: If your account is compromised, your account could be emptied or your card could be frozen by your bank, leading to denied transactions.
Depending on your bank, it will notify you of suspicious activity and automatically cancel fraudulent charges and issue you a new card.
What should I do if I experienced some or all of these signs?
When you experience these warning signs or you believe your account has been hacked, there are a few important steps you should take:
• View and verify account activity. First, go through your account activity to confirm any fraudulent charges. Some legitimate transactions may seem fraudulent if the company does business under a different name.
• Call your bank. Once you’ve confirmed that your account has been hacked, call your bank to report the fraud. They can help you solve the issue and possibly return funds to your account.
• Freeze your account. If possible, freeze your bank account online, on the app, or by speaking with customer service.
• Change your pins and passwords. Change your bank account pin to something entirely different and secure. Also, consider changing the passwords to your online banking account, email, and other online accounts — and try not to use the same password.
• Check your credit history. If your bank account is hacked, it’s possible that the hacker tried to open a credit card in your name. Speak with your bank to find out if they can check your credit history for free.
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