As part of Summerland’s commitment to fraud prevention and detection, our team may call, email or SMS you to confirm a transaction. However remember that Summerland will NEVER:
Ask you to disclose your personal banking details, your PIN, your card number or any other information on your card in an unsolicited email, SMS or telephone call; or
Ask you to click on a link in an email which then asks you to log in to your account and verify your details.
If you suspect you are a victim of a fraud, contact us immediately on 1300 802 222 so we can help to protect you.
Get Smarter With Your Data
Summerland is committed to the education of our customers and community and recently held two seminars in Lismore and Coolangatta - Get Smarter With Your Data to provide fraud prevention and detection information to reduce the likelihood of people becoming a target for financial crime. In particular it is one of our key roles to educate our customer to combat the different forms of cybercrime in Australia.
Read and refer to our protection tips and keep up to date with the latest security alerts.
Identity theft occurs when a criminal gains access to your personal information such as your name, address, date of birth or bank account details. Identity theft can have particularly damaging consequences. A criminal can use your stolen identity to access your bank account, obtain credit cards or loans in your name, claim welfare benefits, and potentially ruin your credit rating.
Secure your personal documents at home, especially when you are travelling, and if you need to, securely destroy them;
Secure your mailbox with a lock and when you move, redirect your mail;
Secure your computer and mobile phone with security software and strong passwords, and avoid using public computers for sensitive activities;
Be cautious about using social media and limit the amount of personal information you publish online;
Do not give personal or financial information over the internet or phone in case it is a scam;
When someone asks you for personal or financial information, ask yourself whether there is a legitimate reason for them to request this information and do not provide information to someone you do not know or trust;
Investigate the arrival of new credit cards you didn’t ask for or bills for goods and services that aren’t yours;
Regularly review your bank statements and be alert for any unusual bank transactions or missing mail; and
Order a free copy of your credit report from a credit reporting agency on a regular basis, particularly if your identity has been stolen.
Use strong passwords of more than 8 characters with a mix of upper and lower case letters, numbers and symbols;
Do not use the same password to access all your online accounts;
Update your passwords at least every 90 days;
Choose passwords that would be difficult for others to guess but easy for you to remember. Do not use your name or your family member’s names, your date of birth, your mobile number or other easily guessed passwords such as sequential numbers;
Do not share your passwords with anyone, even with family or friends; and
Do not write down your passwords, if you need to record a hint make sure it is disguised and secured.
Viruses, spyware and other malware
It is important to ensure your computer and other electronic devices (such as phones and tablets) are protected from possible cybercrime attacks. Without critical security updates, your devices may be vulnerable to harmful viruses, spyware, and other malicious software – malware - which fraudsters can use to access your computer and steal your personal information.
Do not give your email address out without really needing to;
Never provide your password to anyone;
Avoid using public computers or free WiFi hotspots to access your personal email account;
Change your password immediately if you suspect your email has been hijacked;
When you sign up for an online account or service be aware of default options to receive additional email about other products and services.
Spam is electronic junk mail – unsolicited messages sent by email without the recipient’s consent. Spam messages often contain offers of free goods or ‘prizes’, cheap products, promises of wealth or other similar offers. Spam can hide viruses and malware that infect your computer.
Be suspicious of unsolicited messages, even from a person or organisation you know;
Always delete spam you receive without opening it;
Never click on any unsubscribe links and do not open any attachments in emails that you do not recall subscribing to;
Do not reply to or forward suspicious or unsolicited messages and long chain letters that you receive by email;
Add the spam address to a 'junk senders' list which blocks them next time they try send email to you; and
Never supply your personal information to unsolicited emails from unknown persons.
You need to think carefully about how much information you share on social media sites, and who is able to see it. While most people who use social networking sites are well intentioned, there are others out there who may copy, forward or save your information to embarrass you, damage your reputation, or steal your identity. Once something goes online, you have very little chance of deleting it.
Always type your social media website address into your browser or bookmark it as a favourite;
Never use the same password that you use for your bank or email accounts;
Have a different password for each social media site;
Only accept friend requests from people you know;
Avoid clicking on links in ‘friend request’ emails;
Be careful about how much information you share online and with whom; and
Think before you post – how could your post affect you and others, now and into the future.
Phishing is a way that criminals trick people into giving out their personal or financial details. Phishing messages often pretend to come from legitimate businesses, such as banks or telecommunications providers. Phishing emails can also contain links or attachments that download and install malicious software on to your computer.
The email is poorly written with misspellings and incorrect grammar;
Your name isn’t in the “To” line. This email has likely been sent to thousands of people;
The sender’s email address is suspicious; it might have a familiar company or government organisation that is misspelled;
The email doesn’t use your name. Any financial institution you have an account with knows your name. Email beginning with “Dear valued customer,” “To Whom It May Concern,” or even “Hello,” could signal a scam;
The URL is a fake. Hover over the “click here” or “take action now” link with your mouse. If you see a strange URL instead of a legitimate company website, do not click;
You’re informed that there’s a security breach on your account, and if you do not take the action recommended in the email, your account will be temporarily suspended; and
The email asks for your personal, card or online account information or takes you to a website that asks for it. Legitimate companies do not do that.
Do not open emails from people or places you do not recognise;
Do not respond to emails from people or places you do not recognise;
Do not click on any links;
Do not enter personal information into websites that you do not know or trust;
Do not send sensitive information (such as card details) via email; and
Run your antivirus software to check your computer hasn’t been infected.
Everyone will be the target of a scam at some stage in their lives. Scams come in many forms and reach you in many ways – by mail, e-mail, social media, telephone and door-to-door. The more effective scams deliberately target the most vulnerable in our community – the frail, aged, young and gullible. Other scammers deliberately target you when you are likely to be busy or tired – such as evening telephone calls or door-knocking you on a weekend.
Be alert to the fact that scams exist. When dealing with uninvited contacts from people or businesses, whether it's over the phone, by mail, email, in person or on a social networking site, always consider the possibility that the approach may be a scam.
Know who you're dealing with. If you've only ever met someone online or are unsure of the legitimacy of a business, take some time to do a bit more research. Do a Google image search on photos or search the internet for others who may have had dealings with them.
Do not open suspicious texts, pop-up windows or emails – instead delete them and if unsure, verify the identity of the contact through an independent source such as a phone book or an online search. Do not use the contact details provided in the message sent to you.
Keep your personal details secure. Put a lock on your mailbox and shred your bills and other important documents before throwing them out. Keep your passwords and pin numbers in a safe place. Be very careful about how much personal information you share on social media sites. Scammers can use your information and pictures to create a fake identity or to target you with a scam.
Keep your mobile devices and computers secure. Always use password protection, do not share access with others (including remotely), update security software and back up content. Protect your WiFi network with a password and avoid using public computers or WiFi hotspots to access online banking or provide personal information.
Beware of any requests for your details or money. Never send money or give card details, online account details or copies of personal documents to anyone you do not know or trust.
Be careful when shopping online. Beware of offers that seem too good to be true, and always use an online shopping service that you know and trust. Think twice before using virtual currencies (like bitcoin) - they do not have the same protections as other transaction methods, which means you can’t get your money back once you send it.
If you suspect someone is trying to scam you, or you find yourself the victim of a scam, contact Summerland immediately on 1300 802 222.
Make sure the opening to your mailbox isn’t big enough for a hand to fit through;
Contact Summerland when you’re moving house to update your details and arrange a mail hold or mail redirection to your new address; and
Arrange for someone you trust to clear your mailbox when you’re away from home or unable to collect your mail. Otherwise arrange for Australia Post to hold your mail if you’re going away and do not have anyone to clear your mailbox for you.
If you suspect someone else is getting your mail, contact us immediately on 1300 802 222 so we can help to protect your account.
Card-not-present is the unauthorised use of a customer’s card details to purchase products or services in a non-face-to-face setting, for example shopping online, by mail, or by phone. Criminals typically try to capture card details by targeting the computer systems belonging to merchants or service providers where payments data might be stored (e.g. purchase online). Criminals also target individual consumers by phishing for card information or by inserting malware onto their computers or mobile devices.
Counterfeit cards and skimming devices
Card skimming is the term used for the unauthorised copy of card details (including the PIN) at an ATM or EFTPOS terminal. The cards details are transferred over to a counterfeit card and used to access your account without your knowledge. Skimming devices can be fitted to ATMs or used by retail staff who hide them and use them without your knowledge.
Make sure the websites you are shopping from are secure and have "https" in the URL when you are in their checkout/purchase process. Look for the "s" for security in the URL of the page;
When you are in the secure section of a web site, you will also see an icon for a locked padlock on your browser, either on the address bar or on the bottom right corner;
Continuously update your virus protection software from your security software provider;
Employ a URL scanning tool to ensure you will be warned if you click on links that lead to infected web pages;
Keep your private information private by creating a separate email account that is just for shopping. Use a different password from your other accounts and do not affiliate it with your personal, everyday email account;
Keep unique and different passwords for each shopping account, bank account, card account, and email account. Unique passwords for each account make it tougher for a thief to steal your personal information;
Stay alert, if an offer seems too good to be true, it probably is. Be cautious of fake/spoof website especially if the online retailer doesn't provide a physical address, or contact phone numbers; and
Be cautious of sites that offer free trials where personal information and payment details (such as card information) must be provided to participate in the trial.
If you suspect your card details have been stolen, contact us immediately on 1300 802 222 so we can help to protect you. Alternatively you can report your card as being lost or stolen using your Internet Banking by selecting the ‘Updated Card Status’ option under ‘Services’.
Cheque Washing is the process of erasing details from cheques to allow them to be rewritten, usually for criminal purposes such as fraudulent withdrawal from the victim's bank account. Valueless cheque is the process of depositing valueless cheques and making withdrawals against those valueless cheques, between accounts owned by the same person.