What protection do I have if I responded to a "phishing" attempt?

Each situation does vary for everyone. We'll work with you to make the best decisions based on the nature of the compromise and what data you shared.

How can an email be fake when it says it's from IBC Bank, addresses me by name, has my correct email address, and quotes part of my account number?

It's the result of an elaborate new type of scam called "spear phishing." Criminal groups collect data from multiple sources and combine it to create more convincing emails designed to convince you to share information that should be confidential between you and the bank.

What should I do if I'm suspicious of email bearing the IBC Bank logo?

If you are suspicious, don't reply to, click on, or enter any information. If it says it's from IBC Bank and you're suspicious. If you entered information about one of your IBC accounts, you should call us immediately. We investigate each incident thoroughly and will do everything in our power to stop further unauthorized email from being sent.

I have email that looks like it's from IBC Bank. How can I tell if it's legitimate?

Looks can be deceiving. As criminals make more credible forgeries of legitimate email and websites, you can no longer rely on seeing familiar graphics like the IBC Bank logo. The key to determining the authenticity of e-mail lies in the tone of the message and in the nature of the solicitation. Criminals want you to give them information and they're not very subtle about it. Our goal in marketing via email is to inform you about a product or service we think you might be interested in.

How do the criminals doing the "phishing" know I have an account with IBC Bank?

They might not know anything about you specifically, but they do know IBC Bank has many customers. Their idea is to cast a very broad net in hopes of catching unsuspecting customers. It works like this: Phishers target the customers of large companies. They then proceed to phish millions of email accounts, knowing that many of their targets will be among the recipients. In the process, they end up sending mail to many people who aren't customers.

Is IBC Bank proactively working to stop "phishing"?

Yes! We do everything we can do to minimize the risk to you. We aggressively evaluate the messages, work with law enforcement to shut down sites and provide resources to help you become more aware of the issue.

Privacy and Security

Fraud Prevention

IBC Bank feels that the best way to protect yourself from fraud is to know how to prevent it first.

What to do if you are a victim of identity theft or account fraud
Types of Online threats and fraud
Fraud & Security FAQ's
Identifying if you are involved in a Fraud or being scammed

Types of online threats/fraud

Email and fraudulent websites

Sometimes, criminals may send you an email that looks like it has come from IBC Bank. These phony emails ask you to visit a website resembling IBC Bank and provide your personal account information. Some of these bogus emails even caution that your account may be suspended if you don't do this. But the website is also fake, and this is a fraud attempt.

The most common type of online fraud is "phishing and spoofing." Criminals send these phony email messages or direct someone to a fraudulent website for one goal: to steal personal and financial information. Remember, we will never send you an email asking for your User ID, password, or other personal information.

If you should ever receive an email that appears suspicious, do not reply or click on the link it provides. Delete it. To report a suspicious email that uses IBC Bank's name, you can forward it to reportscam@ibc.com. (If you have general questions about the bank or your accounts, please get in touch with us.)

Remember, It's not our practice to:

Send an email that requires you to enter personal information directly into the email
Send an email threatening to close your account if you do not take immediate action to provide personal information
Send an email asking you to reply by sending personal information
Share your name with any contacts outside our firm in a manner inconsistent with our Privacy Policy

Spyware and viruses

Spyware and viruses are malicious programs loaded onto your computer without your knowledge. Whether these programs aim to capture or destroy information, to ruin the performance of your computer, or to bombard you with advertising, you don't want them.

Viruses spread by infecting computers and then replicating. Spyware disguises itself as a legitimate application and embeds itself into your computer to monitor your activity and collect information.

Spyware and viruses are both severe threats to the security of your computer.

Pop-up advertisements

Pop-ups are advertisements that appear in a separate browser window. When you click on some of these pop-ups, you may also download "spyware" or "adware."

Sometimes, criminals create pop-up ads that look like they come from a respected financial institution and ask you to enter personal financial information. Still, IBC Bank and most other financial institutions will never ask you to verify personal financial information.

Fraud & Security FAQs

FAQ

What protection do I have if I responded to a "phishing" attempt?
Each situation does vary for everyone. We'll work with you to make the best decisions based on the nature of the compromise and what data you shared.
How can an email be fake when it says it's from IBC Bank, addresses me by name, has my correct email address, and quotes part of my account number?
It's the result of an elaborate new type of scam called “spear phishing.” Criminal groups collect data from multiple sources and combine it to create more convincing emails designed to convince you to share information that should be confidential between you and the bank.
What should I do if I'm suspicious of email bearing the IBC Bank logo?
If you are suspicious, don't reply to, click on, or enter any information. If it says it's from IBC Bank and you're suspicious. If you entered information about one of your IBC accounts, you should call us immediately. We investigate each incident thoroughly and will do everything in our power to stop further unauthorized email from being sent.
I have email that looks like it's from IBC Bank. How can I tell if it's legitimate?
Looks can be deceiving. As criminals make more credible forgeries of legitimate email and websites, you can no longer rely on seeing familiar graphics like the IBC Bank logo. The key to determining the authenticity of e-mail lies in the tone of the message and in the nature of the solicitation. Criminals want you to give them information and they're not very subtle about it. Our goal in marketing via email is to inform you about a product or service we think you might be interested in.
How do the criminals doing the "phishing" know I have an account with IBC Bank?
They might not know anything about you specifically, but they do know IBC Bank has many customers. Their idea is to cast a very broad net in hopes of catching unsuspecting customers. It works like this: Phishers target the customers of large companies. They then proceed to phish millions of email accounts, knowing that many of their targets will be among the recipients. In the process, they end up sending mail to many people who aren't customers.
Is IBC Bank proactively working to stop "phishing"?
Yes! We do everything we can do to minimize the risk to you. We aggressively evaluate the messages, work with law enforcement to shut down sites and provide resources to help you become more aware of the issue.

Identifying if you are a victim of a scam

If you can answer "yes" to any of the following questions, you could be involved in a fraud or about to be scammed!

Is the check from an item you sold on the Internet, such as a car, boat, jewelry, etc?
Is the amount of the check more than the item's selling price?
Did you receive the check via an overnight delivery service?
Is the check connected to communicating with someone by email?
Is the check drawn on a business or individual account that is different from the person buying your item or product?
Have you been informed that you were the winner of a lottery, such as Canadian, Australian, El Gordo, or El Mundo, that you did not enter?
Have you been instructed to either "wire", "send" or "ship" money, as soon as possible, to a large U.S. city or to another country, such as Canada, England, or Nigeria?
Have you been asked to pay money to receive a deposit from another country such as Canada, England, or Nigeria?
Are you receiving pay or a commission for facilitating money transfers through your account?
Did you respond to an email requesting you to confirm, update, or provide your account information?

Don't get ripped off! Tell Branch Personnel immediately Contact Us