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With all the scammers out there today, a great bank web site can
be easily copied by a scammer. The site can then be rolled off to
look exactly like a legit site. The only purpose is to steal as
much information as they can about you and have them clone your
identity.
These scammers are really getting balls lately and creating entire
false banks. How do you know whether or not the bank you want to
signup for is a legitimate?
Here are some quick tips to stay safe:
1. Make sure your money is FDIC insured-
Check the FDIC's site for the bank listing: http://www2.fdic.gov/idasp/
Also verify this on the Bank's FDIC insurance blurb on their site.
The insurer numbers should match. Some Online Banks are not FDIC
insured. Don't ever do business with them.
2. Never do business with a bank that contacts you first-
If you see that there is an offer that interests you contact the
bank on your own terms. Find there phone numbers on their site,
not their marketing materials and start the process of signing up
from there.
3. Do a DNS search-
A good way to identify a fake from a real site is to check who
registered the domain name. This should jive with all of the information
on their site. Just plop their domain name in over at
http://www.dnsstuff.com
You'll get an address that should match their about us stuff. If
an email was sent to you, you can also trace the physical location
of where that email came from.
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