Gtbank: How to protect your bank account and detect scam | MÉLÒDÝ JACÒB

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Thursday, January 13, 2022

Gtbank: How to protect your bank account and detect scam


Many Nigerians continue to fall for the con of handing over their personal information to strangers claiming to be from the bank. Be careful of bogus websites posing as Guaranty Trust Bank Ltd or its affiliates. Do not give out any of your personal or financial information to anyone online or offline.



Protect Your Account


You are the only one who is familiar with your account. As a result, you should never give out your credit card information, online banking login credentials, or token to anyone over the phone, SMS, or email.

Guaranty Trust Bank Limited is constantly developing and implementing security measures to ensure your online security, as well as the confidentiality of your customer account and personal information.

Learn how to protect yourself online and how to recognize phishing e-mails and Web sites.

Security Tips: GTBank will not request any of the following information from you.


Giving away your Internet Banking login, card details, PIN and codes from your token device, gives anyone total access to your account. Guaranty Trust Bank Limited will never ask for any of these details via any form of communication.

Keep your ATM cards safe and do not share your personal identity number (PIN) with anyone. Do not keep any written copy of your PIN with your card. Memorize it.

Seeing a phone number or email address you recognize does not mean it is genuine. Always give cold-callers a cold reception.

Use your hand or body to shield your PIN when you are conducting transactions at the Automated Teller Machine (ATM) or when making Point of Sale (POS) transactions at retail stores.

Create strong passwords for your Internet Banking login and card details. Change them often.
Check your bank account statements and card transactions regularly to make sure these only reflect transactions you have made. If you see a transaction you cannot explain, report it to the bank.

Subscribe to SMS alerts to be delivered to your cell phone or email, so you can stay updated on your account activity.

Always log on to our internet banking service via our website - www.gtbank.com
Watch out for copycat websites. Don’t fall prey to any website that looks similar to GTBank’s website. Check the URL carefully. (https://)



Detecting Fraud


In the fight against online fraud, you are the first and strongest line of protection. The best way to protect yourself against fraud is to learn how to recognize and avoid online scams. To help you recognize potential frauds, read the recommendations below.

Fraudulent e-mails and Web sites are the most common forms of online fraud. To make these falsified forms of communication appear genuine, they frequently use company logos, colours, and legal disclaimers.



Fraudulent Emails

The most popular method of online fraud is through forged e-mails. A "spoofed" e-mail is one that pretends to be from a respectable source in order to fool you into disclosing personal or account information, paying money, or otherwise engaging in fraudulent behaviour. Because they are low-tech and can be easily deployed on a large scale, these attacks are widespread. Despite the warning indicators, people are still duped by "phishing" and scam e-mails. Customers are also asked to update their account information by clicking on links to fake Internet banking and Interswitch websites in some of these emails.


Spoofed Websites


Fraudsters utilize spoof Web sites, similar to phishing e-mails, to trick unwary clients into entering their online banking log-in information and card data, which are then used to access their accounts. Fraudsters can gather sensitive information such as Internet Banking accounts and ATM Card Details through spoof Web sites.

By email or pop-up windows, Guaranty Trust Bank Limited will never ask a customer to disclose, verify, or update their personal, account, or financial information. Passwords, Personal Identification Numbers (PINs), and ATM, Credit, or Debit Card numbers are examples. If you get an email asking for this information, don't respond and never click on a link in a suspicious email.


Phishing


Phishing involves the use of fraudulent email or browser pop-up messages that appear to be from a legitimate source, often using a company name, logo and/or graphic. A typical scam consists of:
Receipt of an email message stating you need to update or validate your account information.
The message suggests a dire consequence, such as your online access expiring or being suspended if you do not respond. Via a link in the message, it directs you to a Web site that looks legitimate but is not.

The intent is to trick you into divulging personal information, such as your account number, the User ID or Password so they can commit crimes of a monetary nature or identity theft. It may also be an attempt to deliver and install malicious code (malware) that can harm your computer.



How to avoid falling for Phishing Scams


Never open any email unless you know who the sender is. The very act of opening an email can infect your computer with malware. Be skeptical of every email you get, and never click on suspicious links, or download suspicious attachments. If all else fails, call your bank.


Pharming



Occurs when you enter a Web address but are redirected, without your consent or knowledge, to a fraudulent site that looks similar to a legitimate site. The intent of the fraudulent site is to capture confidential information.

If your card is lost or stolen, contact us Card Services immediately using the following telephone numbers:
Debit Cards:+234-1-4480027
Credit Cards:+234-1-4480027

You will never be contacted directly by companies like MasterCard or Visa to verify personal or card information, your PIN or to request that you transfer funds or process transactions to protect your account.

Memorize your Personal Identification Number (PIN). Never write it on the card or anywhere else it could be compromised.

Skimming


“Skimming“ is a method by which thieves capture the magnetic stripe data from your card and use it to create a new, counterfeit card. These counterfeit cards are then used to process unauthorized transactions against your account. There are two main methods of skimming card information:

A small device that appears to be a part of the machine is placed over the card insertion slot of an ATM, gas pump, or other self-service kiosks. As you slide your card into the ATM, this device “reads” the data on the stripe and either store it or transmits it to a nearby location. Oftentimes, there is also a small, hidden camera that captures your keystrokes as you input your PIN into the machine.

How to protect yourself


If you see an attachment on an ATM that looks suspicious, don’t use the ATM. Notify the institution that owns the machine as soon as possible. If it’s a Guaranty Trust Bank Limited ATM, contact the branch location of the ATM or GTConnect on 0700-482666328, 234-1-4480000, 08029002900, 08039003900

Never give your PIN to anyone or write it on your card.

Review your monthly statements immediately and notify us of any discrepancy by calling GTConnect on 0700-482666328, 234-1-4480000, 08029002900, 08039003900


Your Responsibility


Guaranty Trust Bank Limited, its staff or agents will never call or send you an email with a link, asking you to update your Internet Banking profile or request your passwords, token generated codes, card details or PIN. Anyone that asks for any of these details is a fraudster.

In the event that you receive or have received an email fitting this description or a suspicious telephone call from someone claiming to be from Guaranty Trust Bank Limited, please report such to any of the GTConnect numbers on 0700-482666328, 234-1-4480000, 08029002900, 08039003900 and forward such emails to complaints@gtbank.com


GTBank's Policy


Guaranty Trust Bank Limited is continuously developing and implementing security enhancements to ensure the integrity of our Online Banking platform. Our goal is to protect the confidentiality of our customer accounts and personal data. While we work to ensure that a secure environment is provided for Online Banking, there are steps that Online Banking clients should follow to protect confidential information while performing financial transactions online:

Create a strong unique Online Banking password. Select a password that is hard to guess by using random letters, numbers, and symbols. Do not use readily identifiable information such as your name, birth date, or child's name.

Do not share your password with anyone else. Keep your password secure.
Do not use the Save Password option on your computer.
Change your password regularly. We recommend changing your password every 60 to 90 days.
Sign off when you have finished your online banking session.

This information is from the official website of Guaranty Trust Bank and this information was also sent via email


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Disclaimer:

No content on this site, regardless of date, should be used to replace direct medical advice from your doctor or another trained practitioner.
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