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PREVENTING ACCOUNT FRAUD

Bank of Oklahoma takes the privacy of our clients and the security of their accounts very seriously. Currently, there are a number of e-mail scams that are designed to trick you into providing your user ID and password.

To help you defend yourself against these criminals, Bank of Oklahoma has compiled a list of simple online tips to help you safeguard your accounts and privacy from these online scams. We've also provided you with some general information on how to prevent account fraud and included links to the FTC's* and FDIC's* web pages that contain more detailed information about online safety, identity theft and online fraud

Bank of Oklahoma takes online security of our clients accounts very seriously. Currently, there are a number of e-mail scams that are designed to trick you into providing your user ID and password. We will never request this information from you via e-mail. Here are some important Online Security tips:

  • Keep the security features of your computer software up-to-date. This includes your Web browser, virus scan software and firewall. E-mail attachments and links within email can sometimes contain viruses and infect your computer without you knowing. Running frequent scans for viruses is highly recommended.
  • Don't respond to unsolicited e-mails from companies that you do business with requesting that you re-validate your personal information or that provide a link to Web sites that require you to revalidate your account information. These links often lead to bogus web sites that look legitimate in order to fool you into providing secure information.
  • Before entering personal information on any web site, look for the "locked padlock" icon in the browser frame, or "https" at the beginning of the web address to ensure that the site is secure.
  • Change passwords regularly.
  • Log off of the Web site after you have submitted an application or concluded a secure online session.
  • When your computer is not in use, shut it down or disconnect from the Internet.
  • If you think you may have fallen victim to an online scam, change your passwords and monitor your account activity closely.

Important: In an effort to protect you from future phishing scams, we recommend that you install the latest Microsoft® Security Patch*. The patch will eliminate masked URLs and display the actual URL or URLs used in the fraudulent email and Web site scams.

What is a "Phishing" scam?

"Phishing" is an e-mail scam that attempts to trick consumers into revealing personal information - such as their credit or debit card account numbers, checking account information, Social Security numbers, or banking account passwords - through fake Web sites or in a reply e-mail. Typically the e-mails and Web sites use familiar logos and slick graphics to deceive consumers into thinking the sender or Web site owner is a government agency or a company they know. Sometimes the phisher urges intended victims to "confirm" account information that has been "stolen" or "lost". Other times the phisher entices victims to reveal personal information by telling them they have won a special prize or earned an exciting reward.

Spotting a Phish

While phishing e-mails can be quite sophisticated in appearance, the following features are often indicators. An e-mail could be a scam if it:

  • Asks you to provide personal information such as your bank account number, an account password, credit card number, PIN number, mother's maiden name, or Social Security number.
  • Fails to address you by your name.
  • Warns that your account will be shut down unless you reconfirm your financial information.
  • Warns that you have been the victim of fraud.
  • Has spelling or grammatical errors.

How to Stay Safe Online

  • Keep the security features of your computer software up-to-date. This includes your Web browser, virus scan software and firewall.
  • Be cautious. View any e-mail request for financial information or other personal data with suspicion. Do not reply to the e-mail and do not respond by clicking on a link within the e-mail message.
  • Don’t open e-mails or attachments from unknown sources. Be suspicious of any unexpected e-mail attachments even if they appear to be from someone you know.
  • Go directly to the company website by opening a new browser window and type the web address.
  • Contact the actual business that allegedly sent the e-mail to verify if it is genuine. Call a phone number or visit a Web site that you know to be legitimate, such as those provided on your monthly statements.
  • Do NOT send personal information (e.g. credit or debit card number, Social Security number, online passwords or PIN) in response to an e-mail request from anyone or any entity.
  • Review your statements. Check your monthly statements to verify all transactions.
  • Always log off the web site after you have submitted an application or concluded a secure online session (such as Online Banking).
  • Be careful and selective before providing your e-mail address to a questionable Web site. Providing your e-mail address makes you more likely to receive fraudulent e-mails.

Remember, Bank of Oklahoma will never ask you for personal information via e-mail.

For more information about protecting yourself online, "phishing" scams and identity theft, visit:

http://www.fdic.gov/bank/individual/online/safe.html*
http://onguardonline.gov/phishing.html*
http://www.consumer.gov/idtheft*

If you suspect you have received a fraudulent e-mail that appears to be from Bank of Oklahoma, please forward it to us immediately at bokonlinefraud@bokf.com. This e-mail address is designed to handle only messages related to reporting suspected e-mail or online fraud (i.e. phishing scams).

If you have specific questions related to fraud or have any other bank related questions, please click here to e-mail us your question and we will respond to you within 24 business hours.

Note: Please do not change or retype the subject line. Doing so will make it more difficult for us to investigate. After forwarding the e-mail to us, please delete it from your inbox.

If you believe you have provided any personal information online in response to a fraudulent e-mail, immediately call ExpressBank at (800) 234-6181.


Please know these fraudulent e-mails were not sent by Bank of Oklahoma. When you report fraudulent e-mails that appear to be from Bank of Oklahoma but were not sent by us, we work closely with law enforcement agencies to investigate them. If you would like, you may want to forward this e-mail to the Federal Trade Commission at spam@uce.gov or contact them at 1-877-IDTHEFT.

Remember, Bank of Oklahoma will never ask you for personal information via e-mail.

We appreciate your help in our effort to fight e-mail and online fraud. Know that Bank of Oklahoma takes preventing fraud for our clients and the security of their accounts very seriously.

*By clicking on this link, you will leave www.bankofoklahoma.com. Bank of Oklahoma is not responsible for the content of or products and services provided by this site nor does it guarantee the accuracy of information contained in this site. This link will direct you to an Internet site which contains information that may be useful to you. This site is not controlled or endorsed by Bank of Oklahoma and may offer a different privacy policy and level of security.

HELPFUL REMINDERS

  • Read our Fraud Prevention Tips on this page.
  • Watch for "Phishing" scams.
  • Remember, Bank of Oklahoma will never ask for your personal information via E-mail.
  • Report E-Mail and Online fraud as soon as you expect it.
  • Call our 24 Hour ExpressBank if you feel your online account has been compromised, (800) 234-6181.

© 2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.