Ted Shin | Information Security Officer/VP | Customer Education

As we head into 2025, keeping your personal and financial information secure is more important than ever. Here's what you must know to stay safe in the digital world.

Watch Out for Advanced Phishing Scams

Phishing scams are getting trickier and trickier, often looking like real messages from your bank. These scams can come in the form of emails, texts, or calls that appear legitimate but are actually trying to steal your sensitive information. Be extra cautious and double-check the source of any communication asking for details like your account number or password. Always verify by contacting your bank directly through their official channels. Remember, GBC will never ask for your PIN or password via email or text.

Slow Down and Verify

Even when an email appears legitimate, it's essential to slow down and verify its authenticity before taking action. Scammers often craft emails that mimic genuine communications, with logos and writing styles that match real customers. By taking a moment to scrutinize the email for any inconsistencies, such as unusual email addresses or unexpected requests, and confirming through a known contact number or email, you can prevent falling victim to fraudulent schemes.

GBC will never ask for your personal information, including your Social Security number, account number, or online banking credentials, via phone calls, emails, or text messages.

Social Engineering with AI

With the advancement of AI, social engineering attacks have become more sophisticated. AI can mimic human behavior and speech patterns, making it easier for scammers to deceive you into sharing personal information or authorizing fraudulent transactions. Always be skeptical of unsolicited requests for information or actions, and verify identities through trusted channels before proceeding.

Secure Your Bank Accounts

Protecting your bank accounts should be a top priority. Here are some essential steps to help secure your accounts:

• Use Multi-Factor Authentication (MFA): MFA adds an extra layer of security by requiring more than one way to verify your identity. Make sure your bank accounts use MFA, and don't use obvious answers for security questions.
• Regularly Monitor Your Accounts: Keep an eye on your bank accounts for any unauthorized transactions. Set up alerts for unusual activity and review your statements often. The sooner you spot something suspicious, the quicker you can act.
• Strong and Unique Passwords: Use strong, unique passwords for your banking accounts. Avoid using the same password across multiple sites.
• Secure Your Mobile Banking: As mobile banking becomes more popular, make sure your device is secure. Use strong passwords, biometric authentication, and update your banking apps to avoid vulnerabilities.

Take Personal Responsibility

Remember, security is a team effort. By staying vigilant and following good cybersecurity practices, you can greatly reduce the risk of your information being compromised.

2025 brings new security advancements and challenges. By staying informed and proactive, you can better protect your personal and financial information against potential threats. Your vigilance and the adoption of strong security measures are key to safely navigating the evolving digital landscape.

Have a "Cyber" safe holiday and happy shopping from all of us at Georgia Banking Company!