Here are some things which we'll never do, so if you experience any of them you can be assured that it's a scam
Cards Keep your cards safe and never leave them unattended
ATMs Be cautious when using a cash machine, looking out for anyone behaving suspiciously and for signs of tampering on the machine
Passwords & Codes Never tell anyone else your PINs, passwords, Access Code, Passcode and Memorable Word - and never write any of them down in a way which could easily be understood by someone else
Scams Be wary of unprompted phone calls, emails or text messages asking you for personal information. We'll never call, text or email you asking for account information
Watch Your Account Regularly check your account for unfamiliar transactions. Let us know immediately if you notice anything unusual
Virus Protection Check your mobile devices are protected against the risk of downloading malware (malicious software) or viruses
Phone PIN Protection Set up a PIN or fingerprint on your mobile device, don't store your password/passcode/access code on it and don't share them with others
No To Public Wifi Avoid using public Wi-Fi and disable Bluetooth when using our App
Official App Stores Only ever download our App from the official app stores we have approved (iTunes or Google Play)
No Altered Devices Don't install the Cumberland Mobile Banking App on a rooted or jailbroken devices (i.e. a handset which has had its default operating system restrictions removed)
Official Links Only ever log on from our website cumberland.co.uk (or cumberland.co.uk/business)
Scam Emails Never open or respond to any emails you receive claiming to be from us, unless it's in response to an email you've sent to us or in relation to an application you have made with us
Software Protection Install firewall, anti-virus and anti-spyware on your computer. Make sure you keep them, your operating system and browser up to date and carry out regular scans
Secure Wi-Fi If you have your own Wi-Fi hub make sure it's securely configured and password protected
Public Internet Don't use public computers to access Cumberland Internet Banking unless absolutely necessary. Always ensure your access details cannot be viewed by anybody else and you fully log out when finished
Including your PINs, passwords, access code, passcode and memorable word
Don't write them down Never write down or record your personal codes and numbers in a way which could easily be understood by someone else
Tough To Guess Never choose personal codes and numbers which could be easy for others to guess (such as your date of birth)
Keep Secret Never tell anyone your personal codes and numbers. This includes family, friends, Cumberland staff and the Police - you are the only one that should ever know them
Keep Them Covered Always cover your personal codes and numbers when entering them to prevent anyone else seeing them
Regular Checking Regularly check your statements for unfamiliar transactions
Keep Us Informed If you notice anything unusual on your statements, let us know immediately
Missing Post If you’re expecting a statement in the post and it doesn’t arrive, please tell us
eStatements If you're an Internet Banking enabled customer, you can access eStatements online or via our Mobile Banking App.
Mobile Banking App Use the Cumberland Mobile Banking App to keep up to date with your latest eStatements and transactions.
Keep Them Close Don’t let your card out of your sight when making a transaction
Only You Never allow someone else to use your card, not even your partner, family or friends
Don't Be Distracted Don’t let anyone distract you when using your card and always put it away quickly afterwards
At Home If you live in a property where other people have access to your mail, you can ask us to make your card unusable until you call us to say you have received it
Lost or StolenIf your card is lost or stolen, report this to us immediately by telephoning the number on the back of your card. If you call out of hours it is important that you leave a message on the answer phone facility. By doing so your liability for any fraudulent transactions ceases at that point
Behind You Be aware of others around you. If someone close by the machine is behaving suspiciously or makes you feel uncomfortable, use another one
Keep Your Eyes Peeled If there's anything unusual about the cash machine or there are signs of tampering, don't use it and tell the building society, bank, Police or premises owner immediately
Avoid Darkness Avoid using cash machines in poorly lit or isolated areas
Cover Up Cover the keypad to avoid anyone seeing you enter your PIN
Swallowed Card If the cash machine doesn't return your card, tell us immediately
Clear Payee Details Add additional details next to the person or company you're paying when possible, for example XYZ bank, re J Jones, account number XXX.
Close Spaces Draw a line through unused spaces and include the word 'only' after writing the amount in words.
Making Changes If you make a mistake, cross it out and sign your name next to the correction.
Blank Cheques Never sign blank cheques. Ever
Full Completion When writing cheques, be sure to complete all sections, including the payee name, and the amount in both words and figures
The following websites contain important information on protecting yourself against fraud and identity theft, including banking online.