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Scam and Fraud Education

Knowledge is power. Know how to spot scams and fraud.

Your personal space. Nothing should violate it, least of all someone seeking to profit from you through financial fraud and abuse. It’s serious business and we take it seriously. Arm yourself with information. It’s the best protection.

Do you suspect that you are receiving fraudulent emails or phone calls that claim to be from Liberty Bank? Report it!

Scam 101. Sharpen your pencils. Sharpen your knowledge. Learn how you can protect yourself from scams.

What are email scams such as “Phishing”?

"Phishing" is a scam that uses fraudulent emails to falsely solicit personal financial information. In some cases, the email stresses urgency and threatens dire consequences if you do not respond via email or click an embedded link to then provide private information. Be suspicious of any email with requests for personal financial information.  

Although there's no foolproof way to spot a phishing email or spoofed website, these signs should arouse your suspicion:

  • Requests for personal or financial information. Legitimate companies do not ask for this type of information via email for any reason - to update their records, keep your account open, update security, or to send you money in return for completing an online survey. Remember, Liberty Bank will never ask you for your personal financial information in an email. 
  • Sense of urgency. Emails containing statements that imply that your account will be closed if you don't respond shouldn't be opened.
  • Obvious spelling errors...either in the body of the email or in the URL are purposeful errors to help avoid spam filters.
  • Questionable links. If you mouse over a link (but do not click on it) your email program will most likely show the full destination URL. Typos or slight variations in the company's web address may tip-off that the link is not legitimate.

What you can do.

  • If you suspect an email or pop-up message might not be authentic, don't click "respond" or an embedded link. You can call the company or log onto the website directly by typing in the web address in your browser. If the email in question looks like it came from Liberty Bank, you can call our Customer Service Center at 888-570-0773 to confirm the message's veracity, or you can type into your browser and go to our website that way.

  • Regularly log on to your online accounts and review your transaction history to ensure all transactions are legitimate.

  • Ensure that your browser is up to date and security patches are applied. If you use Microsoft Internet Explorer, visit to download special patches related to "phishing" scams.
  • Do not bank using public or shared computers.
  • If you suspect that you have been directed to a false Liberty Bank website, or if you are receiving fraudulent emails or phone calls claiming to be from Liberty Bank, Report it!

Elder Abuse Fraud
To report suspected financial elder abuse, contact Protective Services for the Elderly (PSE) at the Connecticut Department of Social Services:

  • In state referral line 1-888-385-4225
  • After hours or out of state call line 1-800-203-1234

What is “Spoofing"?

Spoofing is the use of a website or email that appears to come from a well-known company but is fake.  For example, an Online Banking customer who routinely logs in to an online banking website, may be redirected to an illegitimate web page which looks just like the real website.  These spoofed websites are then used to obtain password/PIN, credit card information, ATM/Debit information, Social Security Number, bank account information.

Spotting spoofed websites.

Static domain name spoofing. The “pharmer” (the person or entity committing the fraud) attempts to take advantage of slight misspellings in domain names to trick users into inadvertently visiting the pharmer’s web site. For example, a pharmer may redirect a user to instead of - the site the user intended to access.

Malicious software (Malware). Viruses and “Trojans” (latent malicious code or devices that secretly capture data) on a consumer’s personal computer may intercept the user’s request to visit a particular site, such as, and redirect the user to the site that the pharmer has set up.

Domain Name Servers (DNS) poisoning. The most dangerous instance of pharming may be DNS poisoning. Domain name servers are similar to Internet road map guides. When an individual enters into his or her browser, DNS on the Internet translate the phrase into an Internet protocol (IP) address, which provides routing directions. After the DNS server provides this address information, the user's connection request is routed to Local DNS servers can be "poisoned" to send users to a website other than the one that was requested. This poisoning can occur as a result of misconfiguration, network vulnerabilities or Malware installed on the server.

Man-in-the-Browser or Man-in-the-Middle scams.

These are methods used by cyber criminals to intercept and modify information between two parties. You can protect yourself by not using public or shared computers and always log off if you find yourself waiting for more than a few seconds to get onto a financial site or into your account.

How Liberty Bank protects you and your business from online scams.

Domain name management. Liberty Bank diligently manages domain names by ensuring that the names used are renewed in a timely manner.

DNS poisoning. Liberty Bank monitors its website activity closely to ensure that should a DNS poisoning attack occur, it is addressed promptly. For example, if Liberty Bank's domain was hijacked, it would immediately stop receiving normal Internet-related requests. The drop-in Internet traffic would alert technology staff at Liberty Bank to the problem, which the staff would then investigate.

Consumer education. Liberty Bank recommends that all Online Banking customers install current versions of virus detection software, firewalls and spyware scanning tools to reduce computer infections. Regularly updating these tools to combat new threats is very important. Internet providers (i.e. SBC, Cox, AOL) provide information on how to access and download this software to your personal computer.

Liberty Bank employees will never ask you for your Online Banking password.  In addition, Liberty Bank will never request that you send email containing your personal or financial information. You should never share this information under any circumstances.

How you can protect you and your business from fraud and identity theft.

The Do’s.

Report any lost or stolen ATM/Debit Card or lost or stolen personal checks.

Balance your checking or savings account statement every month and report any unauthorized transactions to the bank immediately.

Regularly review credit card statements to check for unauthorized charges.

Shred your charge receipts, credit card applications, insurance forms, old checks, bank statements, anything that contains any of your personal identification.

Use dual approval controls for money movement or administrative changes.

The Don’ts.

Never use an unsecured network or a shared computer.

Never share your Personal Identification Number (PIN) or password. 

Never give out personal information such as your checking or savings account number, credit card number or social security number, through the mail, telephone or Internet, unless you have initiated the contact.

Never log on using someone else’s credentials.

If you’re a victim of identity theft or online fraud:

Call the ID Theft Clearinghouse toll free at 1-877-438-4338 to report the theft.

Place a Fraud Alert on your file at all three agencies.

Contact the fraud departments of each of the credit agencies:

Contact Liberty Bank at (888) 570-0773 and your credit card companies immediately to stop access to your accounts.

Stop payment on fraudulent transactions or stolen checks.

File a police report with your local police department or the police in the community where the identity theft occurred.

Report all suspicious contacts to the Federal Trade Commission:

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