Identity Theft

The Union Bank will never:

Appearances are meant to be deceiving

If you didn't know better, you could be fooled by fraudulent e-mail. Some appear to show very convincing information, some may show an exact replica of a The Union Bank web page.

Don't reply, click or enter any information if you receive a suspicious e-mail. Keep the e-mail in your inbox and Contact Us. We may ask you to forward it to us so we can investigate the matter.

You can also report it to us at one of the following numbers:

Main Number: 1-318-253-4531
Toll-Free: 1-877-216-0490

Stay informed

Knowing what these scams are and how to recognize them can help you lessen your chances of becoming a target.

Here is a list of questions frequently asked by our customers:

What is "phishing?"

"Phishing" is a form of e-mail fraud. Criminals create e-mails and websites that closely resemble those of legitimate companies. Their goal is to entice you to provide them with personal information they can then use to gain access to your assets or other sensitive data. In this case, they're trying to get to your accounts.

One of the most common methods is to e-mail a link to a website that "spoofs" a legitimate company's site. There, they hope to trick you into entering your login information. Once a criminal has successfully "phished" information from you and/or your account, he/she can use that information to steal your money and your identity.

What is identity theft?

Armed with personal information such as your name, Social Security Number, and date of birth, a thief can open credit accounts, apply for loans, steal your money, buy expensive items such as cars or homes, or even commit crimes in your name - then disappear. You're left with headaches, numerous bills and damage to your credit history that could take years to repair.

More than 700,000 people will be targeted this year and that number is growing. Most victims won't know anything has happened until they are called by a collection agency, are denied credit, or find unknown charges on their bank or credit card statements.

According to the federal government, 12 months pass before most victims realize their identity has been stolen. Once the crimes are discovered, victims typically need another six months or more to completely clear their names.

How do I recognize a fraudulent e-mail?

It can be very difficult. Many of these e-mails use logos, formats, and phrases that are identical to legitimate e-mails sent by The Union Bank. Some frauds are easy to spot because they contain misspellings, misused words, or even a copy of a web page within the body of the e-mail. Others may provide more subtle clues, such as unfamiliar return e-mail addresses or links to websites that don't include the union-bank.com domain.

No matter how convincing an e-mail might look, or how compelling its message, you can be sure of one thing. If it asks you to enter personal information such as your User ID, password, account number or Social Security Number, it didn't come from The Union Bank. Period.

How do I report a fraudulent e-mail?

First, don't delete the e-mail. If you are suspicious of an e-mail from The Union Bank, contact us at admin@union-bank.com or call us immediately at one of these numbers:

Personal Accounts: (318)253-4531
Business Accounts: (318)253-4531
Credit Cards: (318)253-4531

We may ask you to forward the e-mail to us so we can investigate the incident and warn other customers. We may then advise you to delete it, print it or consider reporting it to other agencies as well.

Regardless of what you do, you should keep a record of when and to whom you reported the incident. If any of your personal information has been stolen, this record may help you prove how you were targeted.

Are "phishing" and identity theft really that serious?

The U.S. Attorney General says identity theft is the fastest-growing white-collar crime in the country, costing $60 billion in the past five years. Nearly 10 million Americans (3.4% of the U.S. population) have fallen victim to it. According to the FBI, 70% of victims are between the ages of 20 and 50.

Reports of Internet scams have more than doubled each year since 2001, but only three percent of those who see it actually report it. The Anti-Phishing Working Group estimates that "phishing" incidents are increasing by 50% every month with as many as 5% of recipients either responding to or clicking the links within the fraudulent e-mails.

How do I know The Union Bank website I'm viewing is legitimate?

If you don't recognize the URL when you click a link in an e-mail, you should open a new browser and type in an address you know. The majority of fraudulent e-mail messages will link to fake copies of a legitimate site.

If you're suspicious, type the familiar address, like http://www.union-bank.com/ (don't forget the "-" (minus sign) between "union" & "bank") into your browser to be certain you go to our site.

How does The Union Bank secure my information when I'm logged in?

We use a variety of methods and technology to keep your confidential information out of the hands of online criminals.

How can I protect myself?

There are many different types of e-mail fraud, which makes enforcement and prosecution difficult. The best way to protect your identity and your accounts is to be informed and cautious. And, remember - we will never ask you to enter personal or account information in an e-mail or download an attachment from e-mail.

Here are some guidelines to help you protect yourself:

I'm already cautious about my online activity. Am I still at risk?

Identity theft isn't only a threat online. Not even the best security measures can stop a determined thief from stealing your wallet or purse, searching through your trash for unshredded receipts or even looking over your shoulder at an ATM.

Here are some offline precautions you can take:

It's easier than you may think for someone to take your identity and run. Make it a habit to protect your private information at all times.

What should I do if I think someone has my banking information?

Report any incident to us immediately. Depending on the severity, we can help you:

Other Resources

For more tips on preventing e-mail fraud and identity theft, there are many useful tips from the Federal Trade Commission.
Also, you can see this report from the U.S. Department of the Treasury's Office of the Comptroller of the Currency: You Can Fight Identity Theft

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