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Phishing, Vishing, and Smishing

Visions will NEVER ask for your personal or financial information via email or text message. But many scam artists will.

If you are tricked into giving out your confidential account information, please change your VisionLine password immediately. If you gave out your Access Card/Debit Card/Credit Card information, call (607) 754-7900, ext. 10266, or Visions Security Department at (607) 754-7900, ext. 10529 or 10627.

Phishing

Email “phishing” scams target financial institutions. Most likely these scams send email to millions of people and may include some text and graphics from a website. They will ask you to provide personal information after following a link in the email. Be suspicious - the website may well be a fake created to get personal information from you.

Do not follow or click on any web link in an email message that appears suspicious. Visions will NEVER ask for any personal information such as username, password, or card information from a link within an email message.

Vishing

Vishing is similar to phishing, but uses telephone lines as the means to scam you. It uses technology to trick caller ID and other security systems, and then the caller will try to get your credit card number or other personal information.

Smishing

Smishing uses text messages on your cell phone as the means to scam you. The “hook” in the text message may be a web site URL, or a phone number that connects to automated voice response system.

The smishing message usually contains something that wants your “immediate attention.” A popular example is “(Name of a financial institution): Your account has been suspended. Call ###-###-#### immediately to reactivate.”

The “hook” will be a legitimate looking web site or telephone voice response system that asks you to “confirm” (enter) your personal financial information, such as your credit/debit card number, CVV code (on the back of your credit card), your ATM card PIN, Social Security number, and other details.