Tips to maximize your Social Security benefits

Tips to maximize your Social Security benefits

May 17, 2022

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Digital banking tip: protect your business from ACH and check fraud

Digital banking tip: protect your business from ACH and check fraud

April 26, 2022

In the continually evolving digital world, check and ACH fraud remain a constant threat. We offer fraud solution services to our Alpine Online® business customers, including ACH Positive Pay and Check Positive Pay. These, and other services, are designed to help you catch fraud before it occurs. Did you know that businesses only have 24 …

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Small businesses look to digital payments for growth

Small businesses look to digital payments for growth

April 26, 2022

It’s clear that consumers are shifting toward a world in which they rely less on paper money, and businesses are already following suit. The next decade of commerce may look nearly unrecognizable when compared to commerce of the past. Visa recently released the findings of a survey that found that 82% of SMBs will accept …

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Employment scams

Employment scams

April 26, 2022

Employment scams have been around a long time. And sadly, with the advent of the internet, scams have proliferated and are now much easier to pull off.  With the goal of luring in unsuspecting jobseekers to trick them out of their personal information and money, cyber-fraudsters set up legitimate-looking company websites, and then post fake …

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How to recognize and avoid phishing scams

How to recognize and avoid phishing scams

December 15, 2021

Each year millions of people fall victim to phishing attacks, resulting in tens of thousands of people losing their identity — or their money. What is a phishing attack? A scammer disguises an email to make it look like it’s coming from a legitimate source, like a government agency, financial institution or even a family …

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Avoiding Robocall Scams

Avoiding Robocall Scams

September 15, 2021

Despite the National Do Not Call Registry, the availability of caller ID and a crackdown by the Federal Trade Commission, robocalls seem to continue unabated. Yep, they’re the annoying recorded messages that usually prompt the person receiving them to take some sort of action. If the robocall is for the purpose of selling something, it …

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Keep Yourself Safe From Malicious QR Code Scams

Keep Yourself Safe From Malicious QR Code Scams

August 18, 2021

You have no doubt noticed that QR codes—those square blocks of black and white pixels—are ubiquitous, adorning everything from restaurant menus to store products to mall posters. They are a low-cost, easy way for businesses to link consumers to websites, store discounts, promotional campaigns and mobile payments. The problem is, they’re not entirely secure.  QR …

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Digital Fraud: How to Spot the Danger

Digital Fraud: How to Spot the Danger

August 18, 2021

The recent barrage of ransomware attacks should serve as a stark warning to any person who spends time in the digital world. Anyone who uses email, shops online or makes mobile payments is a target of cybercriminals seeking to exploit their vulnerabilities. In fighting off these relentless attacks, everyone—both consumers and businesses—is the first line …

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Creative Phone Scammers Have a New Technique

Creative Phone Scammers Have a New Technique

July 13, 2021

Creative Phone Scammers Have a New Technique: Caller ID Spoofing If you ever get a call from someone claiming to be a representative at your bank, be skeptical, even if they have the right caller ID. Using “caller ID spoofing,” scammers can make it look like they’re calling from your bank’s phone number.  There have …

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Precautions to Minimize Risks with QR Codes

Precautions to Minimize Risks with QR Codes

June 16, 2021

The use of QR codes over the past year and a half has make life easier for people, and it’s getting harder to avoid them as restaurants use them for touch-free menus and they’re found in numerous other business applications. But as we have learned with emails, credit cards and internet surfing, scammers are hiding …

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Synthetic Identity Fraud

Synthetic Identity Fraud

May 12, 2021

Of all the methods fraudsters use to steal identities, synthetic identity may be the most sinister. That’s because it could take years before it’s detected, and by then, the damage has been done and the fraudster has moved on to other victims. Here’s how synthetic identity fraud works: Swindlers use a stolen Social Security number …

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IRS Rolls out Program to Fight Tax Identity Fraud

IRS Rolls out Program to Fight Tax Identity Fraud

May 12, 2021

The Internal Revenue Service (IRS) has expanded its Identity Protection PIN program to enable you to protect yourself against identity theft and tax fraud. In fact, anyone able to prove their identity now has the ability to further protect themselves, thanks to recent efforts by the IRS. Since the onset of COVID-19, instances of identity …

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IRS Tax Fraud and Scams

IRS Tax Fraud and Scams

March 23, 2021

No one wants to be on the wrong side of the IRS, which is why, each year, in the months leading up to the May 17 extended tax filing deadline, scammers come out in full force to take advantage of the worries and fears of American taxpayers. Tax scammers utilize three effective lines of attack—by …

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Sweetheart Scams

Sweetheart Scams

February 8, 2021

One of the more popular methods used by scammers to bilk money out of unsuspecting victims is the so-called Sweetheart Scam. What makes this type of fraud especially insidious is that the victims are usually older widows or widowers, at their most vulnerable following the loss of their life partner. Worse, the swindlers are almost …

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Defend Against Digital Fraud

Defend Against Digital Fraud

December 15, 2020

Digital fraud is not only on the rise, it is accelerating and growing more sophisticated. While consumers are benefiting from the rise of e-commerce, mobile payments and computer power, so too are criminals, who can more easily take advantage of their vulnerabilities. Consumers and businesses are the first line of defense against digital fraud, and …

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Synthetic Identity Fraud

Synthetic Identity Fraud

September 16, 2020

Synthetic identity theft is one of the fastest growing and more insidious forms of fraud because it creates entirely new identities using stolen personal information such as Social Security numbers. It’s also one of the more difficult to detect, so it can go undiscovered for years. Thieves steal a Social Security number and combine it …

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Beware of COVID-19 Scams

Beware of COVID-19 Scams

May 15, 2020

We all know that scammers and fraudsters are not ones to let a crisis go to waste. The COVID-19 crisis has unleashed a tsunami of scams preying on the virus-related fears of many Americans. The FCC, FTC, FEMA and the FBI are reporting a significant uptick in text messages, emails and robocalls, offering fake cures …

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Mobile Fraud

Mobile Fraud

November 22, 2019

How to Prevent Mobile Fraud The mobile revolution is transforming the way people transact business. It’s estimated that mobile transactions account for nearly 70% of all financial transactions. However, with that, there has been a commensurate increase in the amount of mobile fraud, costing businesses and consumers as much as $25 billion this year. Cybercriminals …

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Facebook Eases Business-Customer Chats in Messenger

Facebook Eases Business-Customer Chats in Messenger

October 10, 2019

Facebook recently announced the global rollout of its new lead generation feature for Messenger. The feature is designed to allow businesses to set up an automated question experience to engage with potential customers. Facebook has a style of ads that enables users to click to the Messenger service to open a conversation between the user …

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Digital Fraud

Digital Fraud

October 10, 2019

An ever-expanding digital world has created boundless opportunities for all, including digital criminals. Digital fraud has increased tenfold over the last five years, becoming ever more sophisticated and brazen in its attacks on consumers, leading to identity theft and financial loss. To protect yourself from digital fraud, you must become your first line of defense …

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Don’t be a Victim of Real Estate Wire Fraud

Don’t be a Victim of Real Estate Wire Fraud

August 15, 2019

Real estate wire fraud is exploding across the U.S., costing consumers billions of dollars each year. While digital technology has made the process of escrow settlement faster and more convenient, it has also enabled scammers with the right tools to wreak havoc on unsuspecting homebuyers. And, because it involves real estate properties, the financial losses …

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Small Businesses To Use More Social Media Marketing

Small Businesses To Use More Social Media Marketing

June 17, 2019

Nearly two-thirds (63 percent) of small businesses intend to increase their investment in social media marketing this year, according to a recent survey from The Manifest. In fact, the findings show that more businesses plan to invest in digital marketing than in traditional marketing: The survey found that most small businesses (89 percent) invest in …

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Over a Third of Small Businesses Have No Website

Over a Third of Small Businesses Have No Website

April 24, 2019

While many small businesses find a website to be a critical element in running a company in the digital age, a significant portion still do not consider it to be vital. A recent survey from the portfolio website firm Visual Objects found that over a third of small businesses (40 percent) have not invested in …

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Be Aware of the Latest Cyber-fraud Tactics

Be Aware of the Latest Cyber-fraud Tactics

January 16, 2019

Another year and another cybercrime tactic. Just as technology seems to change and advance at the speed of light, so too do the scams that cybercriminals rely on to steal from individuals and organizations. As with past years, one of the newest approaches cybercriminals are relying on is impersonating the Internal Revenue Service (IRS). This …

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Romance Scams

Romance Scams

January 16, 2019

It was purely an online connection – a dalliance into digital romance with hopes of leading to something real. She met him on a dating site where he stood out among all the other suitors. They would never meet in person, but she still fell in love and wanted to make him happy. After a …

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Protect Yourself from Business Email Fraud

Protect Yourself from Business Email Fraud

December 6, 2018

Cyber attackers continue to evolve an email attack called CEO Fraud or Business Email Compromise. These are targeted email attacks that trick their victim into wiring money to cybercriminals. The FBI says losses are already in the billions of dollars and are growing. The cyber attackers research their intended victim on the internet, then craft …

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Check out My $ Manager

Check out My $ Manager

August 16, 2018

Alpine Bank customers you can now use a dynamic online tool to manage your finances. Called My $ Manager, you can get your complete financial picture with one login. It offers this “one stop shopping” by not only pulling current data from all of your Alpine Bank accounts, it also syncs with accounts at nearly …

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