How to PROTECT yourself from FRAUD

We take fraud very seriously and do a lot to help protect you from fraud. This section explains how you can help protect yourself from being a victim of fraud.

THINGS WE'LL NEVER DO

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

Ask for your PIN number or any other of your passwords and codes over the phone or via email or text message
Send someone to your home to collect cash, bank cards or anything else.
Ask you to email or text any personal or banking information such as your passwords and codes or account details
Ask you to authorise the transfer of funds to a new account or hand over cash
Call to advise you to buy diamonds, land or any other commodities
Ask you to carry out a test transaction online or anywhere else

Top 5 Fraud Protection Tips

  • GENERAL FRAUD PROTECTION

    The top 5 basic tips for protecting yourself from fraud

    1. Cards Keep your cards safe and never leave them unattended

    2. ATMs Be cautious when using a cash machine, looking out for anyone behaving suspiciously and for signs of tampering on the machine

    3. 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

    4. 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

    5. Watch Your Account Regularly check your account for unfamiliar transactions. Let us know immediately if you notice anything unusual

  • MOBILE BANKING APP

    The top 5 tips for safely and securely using your Mobile Banking app

    1. Virus Protection Check your mobile devices are protected against the risk of downloading malware (malicious software) or viruses

    2. 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

    3. No To Public Wifi Avoid using public Wi-Fi and disable Bluetooth when using our App

    4. Official App Stores Only ever download our App from the official app stores we have approved (iTunes or Google Play)

    5. 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)

  • INTERNET BANKING

    The top 5 tips for safely and securely using Internet Banking

    1. Official Links Only ever log on from our website cumberland.co.uk (or cumberland.co.uk/business)

    2. 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

    3. 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

    4. Secure Wi-Fi If you have your own Wi-Fi hub make sure it's securely configured and password protected

    5. 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

  • CODES & NUMBERS

    The top 5 tips on how to protect your personal codes and numbers

    Including your PINs, passwords, access code, passcode and memorable word

    1. 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

    2. Tough To Guess Never choose personal codes and numbers which could be easy for others to guess (such as your date of birth)

    3. 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

    4. Keep Them Covered Always cover your personal codes and numbers when entering them to prevent anyone else seeing them

    5. Card PIN & Phone Never enter your PIN into a telephone keypad.
  • STATEMENTS

    The top 5 tips for using your statements to help avoid and identify fraud

    1. Regular Checking Regularly check your statements for unfamiliar transactions

    2. Keep Us Informed If you notice anything unusual on your statements, let us know immediately

    3. Missing Post If you’re expecting a statement in the post and it doesn’t arrive, please tell us

    4. eStatements If you have Cumberland Internet Banking, your statements are only available online and you should check these each month

    5. Mobile Banking App If you use the Cumberland Mobile Banking App,your statements are only available on Cumberland Internet Banking though you can check your transactions in the app

  • DEBIT CARDS

    The top 5 tips for using your debit card safely and securely

    1. Keep Them Close Don’t let your card out of your sight when making a transaction

    2. Only You Never allow someone else to use your card, not even your partner, family or friends

    3. Don't Be Distracted Don’t let anyone distract you when using your card and always put it away quickly afterwards

    4. 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

    5. 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

  • AT THE ATM

    The top 5 tips on how to use a an ATM safely and securely

    1. 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

    2. 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

    3. Avoid Darkness Avoid using cash machines in poorly lit or isolated areas

    4. Cover Up Cover the keypad to avoid anyone seeing you enter your PIN

    5. Swallowed Card If the cash machine doesn't return your card, tell us immediately

  • CHEQUES

    The top 5 tips for safely and securely using Cheques

    1. 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.

    2. Close Spaces Draw a line through unused spaces and include the word 'only' after writing the amount in words.

    3. Making Changes If you make a mistake, cross it out and sign your name next to the correction.

    4. Blank Cheques Never sign blank cheques. Ever

    5. Full Completion When writing cheques, be sure to complete all sections, including the payee name, and the amount in both words and figures

MORE INFORMATION

How To Protect Yourself From Fraud
Download Our Full Guide
Download Fraud Guide
Download our full 'HOW TO PROTECT YOURSELF FROM FRAUD' leaflet for the full range of advice
Our Security Promise
Our banking services have been designed to protect you and your money...
...but you must also take all the precautions we recommend in our terms and conditions and fraud guidance to ensure that your devices are secure and that your personal details are kept safe. Unless you have been careless in your use of these services, we will fully reimburse the money taken from your account.

Fraud Prevention Videos

Phishing Scam

Get Safe Online - Phishing Scam from Get Safe Online on Vimeo.

Vishing scam

Get Safe Online - Vishing scam from Get Safe Online on Vimeo.

Computer Support scam

Get Safe Online - Computer Support scam from Get Safe Online on Vimeo.

Useful Links

The following websites contain important information on protecting yourself against fraud and identity theft, including banking online.

Cumberland Building Society is not responsible for the content of the external internet sites.