Frequently Asked Questions
Q. How is Identity Theft different from Identity Fraud?
A. Identity Theft is when a criminal steals an actual person's identity. Identity Fraud is when a person creates a fictitious person and fictitious personal information to open accounts and lines of credit.
Q. What do I do if I suspect fraudulent activity on my checking account?
A. Contact SCBT and read “What to do if you suspect or are a victim of identity theft”
Q. What should I do if my email has been hacked?
A. Change your password immediately, especially if you use the same password for multiple accounts. Run a scan on your computer for any viruses or malicious software. If you continue to have problems, you may consider deleting the email account and creating a new one.
Q. What is Phishing?
A. Phishing is when a criminal impersonates a legitimate organization (usually a financial institution) and attempts to obtain your personal information. This can be done by phone, email, fax or website.
Q. What is Malware?
A. Malware is an abbreviated term that means malicious software. It is used to infiltrate or damage a computer system without your knowledge or informed consent. A few examples of Malware are computer viruses, worms, Trojan horses, and spyware.
Q. What is a Keylogger?
A. A keylogger is computer software that records every keystroke made on a computer. A criminal can obtain passwords and other confidential information by using this software.
Q. Is it ok to send account information via email on your website?
A. No, we prefer that you do not send account numbers and other personal information via our website.
Q. What should I do if I use mobile banking and lose my phone?
A. Immediately notify your cellular provider. Next, login to Online Banking, un-enroll from Mobile Banking and disable any alerts you receive to your phone.