Phishing and Smishing Scams

Cybercriminals are constantly devising new tactics to exploit unsuspecting individuals. As a valued member of WyHy, it is crucial to stay vigilant and protect yourself against phishing and smishing scams. These fraudulent activities aim to deceive you into revealing sensitive information, such as your account credentials or personal data. Here's what you need to know to keep your information secure.

What is Phishing?

Phishing is a fraudulent technique where cybercriminals impersonate legitimate entities, such as banks or credit unions, to trick individuals into divulging confidential information. This is typically done through deceptive emails, fake websites, or malicious attachments. The goal is to obtain login credentials, credit card details, or other sensitive information for financial gain.

Recognizing Phishing Attempts:

•  Be cautious of emails or messages requesting immediate action or claiming an urgent issue with your account.
•  Look out for grammatical errors, misspellings, or unusual email addresses that do not match the official domain.
•  Avoid clicking on suspicious links or attachments, as they may lead to fake websites designed to steal your information.

Protecting Yourself:

•  Never share personal information, such as account numbers, Social Security numbers, or login credentials, through email or text messages.
•  Double-check the legitimacy of the sender by contacting WyHy Credit Union directly through verified channels.
•  Ensure your devices and software are up to date with the latest security patches to minimize vulnerabilities.

What is Smishing?

Smishing is a form of phishing that specifically targets individuals through text messages (SMS) or other messaging platforms. Cybercriminals use enticing messages or urgent alerts to trick recipients into clicking on malicious links or disclosing sensitive information.

Identifying Smishing Attempts:

•  Be cautious of unexpected or suspicious text messages from unknown sources, especially those claiming to be from WyHy Credit Union.
•  Pay attention to unusual requests for personal information, financial details, or verification codes.
•  Watch out for messages with shortened URLs or misspelled website addresses, as they may redirect you to fraudulent sites.

Protecting Yourself:

•  Be skeptical of unsolicited messages and avoid clicking on any links or downloading attachments unless you are certain of their authenticity.
•  Be cautious when providing personal information over text messages, even if the request appears to be legitimate.
•  Report any suspected smishing attempts to WyHy Credit Union and your mobile service provider.

WyHy's Commitment to Your Security:

At WyHy, your security is our top priority. We employ advanced security measures, including encryption technology and multi-factor authentication, to protect your information. However, it is essential to remain vigilant and stay informed about the latest scams targeting financial institutions.

If You Suspect Fraud:

If you believe you have encountered a phishing or smishing attempt or notice any suspicious activity related to your WyHy account, please contact us immediately. Report any fraudulent communications or incidents to help us take swift action to protect your accounts and fellow members.

Remember, staying informed and cautious is the first line of defense against phishing and smishing scams. By being proactive and safeguarding your information, you can enjoy a secure banking experience with WyHy.