Your safety is important to us. That’s why we monitor your accounts 24/7 with EnFact® for security threats and notify you at the first sign of fraudulent activity. But hackers are always finding new ways to try to get your information by combining old tricks with technological advancements. Here are some helpful tips for ensuring your safety:

Everyday Best Practices:

  • No one knows your finances better than you. Monitoring your account often is the first line of defense in stopping fraud.
  • Consider notification tools such as Manage My Cards or Alerts within your mobile and online banking accounts. Using these tools will provide additional, real-time monitoring. Manage My Cards provides you with the ability to turn your card on and off, establish limits, and receive alerts from your mobile app. Alerts allow you to set up text messages or email notifications from your online account. Alerts can be customized to notify you of your usage, balance, transfers, information updates, and more.   
  • Be aware of your surroundings, especially at ATMs. Your pin should be protected at all times. Make sure no one is looking over your shoulder.
  • Report unauthorized transactions in a timely manner. This helps to avoid any potential additional losses.
  • Share travel plans with the bank. Howard uses EnFact® to monitor your accounts your security threats 24/7. If we know you’re going to be out of town, we won’t mark your activity for suspicious behavior. You can notify us by filling out the online form found here or by calling us at 410-750-0020. Be prepared to give your contact information with your travel location and travel dates. 
  • The FTC is a great resource to stay up-to-date on all the latest tricks scammers are using. You can learn about recently uncovered scams and how to recognize warning signs on their website. You can browse by topic or sort by recently.


How to Avoid Fraud:

  • Look out for imposters!  Crooks will often pretend to be someone you trust – a family member, government official, a charity, a company you do business with, or even a friend. The best practice is to never give money or your personal details when the request is unexpected, whether via phone, text, or email.
  • Don’t rely on caller ID.  Scammers are easily able to fake caller ID information. If anyone calls you unexpectedly and asks for your personal information or money, hang up. If you think the request might be genuine, call the person back on a number you know to be true.
  • Report Robocalls!  Did you know that recorded calls are illegal? The companies, products, and/or services are often a sham. Don’t stay on the line or press 1 to speak to a person or be taken off the call list. Often times, it just ends up leading to more calls. Instead, hang up and report the call to the FTC.
  • Do your research!  The World Wide Web can be a great tool for researching and identifying hackers. Searching a company or product and adding “reviews,” “complaints,” or “scams” to the search field will help you identify any deceitful business, services, or products upfront. You can even search a specific phone number to see if anyone else has reported it as a scam.
  • Don’t pay for promisesIf someone calls to tell you that you’ve won a prize or a trip, but you have to pay taxes or fees beforehand, it’s a scam. If you’re asked for advance payments for things such as mortgage assistance, a job, debt relief, credit and loan offers, there is a high probability that they’ll take the money and vanish. 
  • Don’t fall for freebies. Some companies will sign you up for their products or services under a “free trial” but bill you monthly until you cancel the subscription. Never agree to a free trial before reading the cancellation policy and researching the company. By monitoring your account on a regular basis, you can identify irregular charges.
  • Sign up for scam alerts. The FTC provides free email alerts so you have access to all the latest tips and advice on scams. Sign-up here.