You have received an email from your bank informing you that there is an issue with your account. Here are some tips you can use to identify the legitimacy of the email.
Research has found that people tend to comply with requests from authority figures. Thus, phishing scams claim to be from a trusted source by using a corporate logo or name as the sender to attempt to create legitimacy and credibility.
Phishing scams may request a rapid response to pressure users to act quickly, and decrease the time users have to uncover the scam.
Phishing scams often use a formal tone with a combination of persuasive and polite statements to influence user decision making. Examples include: polite salutations and closures (e.g., Dear, Thank you, Kind regards); trigger words (e.g., alert, warning, attention); and persuasion (e.g., upon verification, restrictions will be removed).
Phishing scams may prey on users' fear of something to manipulate them into acting. Cybercriminals may invoke fear by making threats (e.g., account restrictions) or leveraging current events (e.g., natural disasters, health epidemics, economic concerns, political elections, holidays).
To: Ashley [email@example.com]
From: NYC Bank [firstname.lastname@example.org]
Date: February 12, 2016
Subject: ALERT: Irregular Card Activity
We detected irregular card activity on your NYC Bank Check Card on 1st February 2016.
As the Primay Contact, you must verify your account activity before you can continue using your card, and upon verification, we will remove any restrictions placed on your account.
To review you're account as soon as possible please:
Please click on the link to verify your information with us: http://www.nybank.com
If your account information is not updated within 24 hours then your ability to access your account will be restricted.
We appreciate your prompt attention to this important matter.
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