CYBER SECURITY

Be cyber secure: student scams
College students are often juggling classes, housing, jobs and internships while also taking on
many new financial decisions. As you assume more responsibility, you may encounter scammers
or cyber criminals who are trying to take advantage of you by offering services, items for sale,or employment under false pretenses. Scammers use emotional triggers, like love, compassion,
exhilaration or fear, to trick you into acting immediately and hand over money or personal
information.

Scams targeting students can take many forms. Here are some common types tolook out for:•

Fake listings for apartments, books, movers, or otherservices.

•Student loan debt relief scams.

•

Fake employment offers.

•

Unpaid tuition claims or other educational costs.

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Unsolicited scholarships and grants.

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Social media scams.

If you suspect you have been targeted:

Be proactive:•

Be careful about what you post about yourself online,
including personally identifiable information such as
your address or cell phone number.

•

Monitor your privacy settings on any online account.

•Verify any unexpected requests for info via phone, text,email, computer messages or social media through averified website, a recent bill or statement or alternate
phone number.

•Never share information with people you don’tknow, especially if they contacted you. Your personal
information can be used by criminals to build a fakeidentity.

•Trust your instincts. If an offer looks to good to be true,
it probably is.

•Remember that anyone can become a target for ascam, even if you do not have a disposable income.

•Be wary if pressured to pay in ways that seem hard to
trace or keep track of such as prepaid debit or gift card
codes, wires, bank transfers or digital currency.

•Don’t delay. Act quickly if you think your passwords
have been stolen, if you receive a changed password
notification from providers, or if your account accesschanges on apps.

•Freeze financial accounts that may be affected andinform credit bureaus.

•Know and follow your local laws and guidelines forcyber incidents.

•Document everything about the event. The more
information you have, the better armed you will be toassist an investigation by your company, your bankand law enforcement officials, and the better prepared
you will be against future events.

Visit www.bankofamerica.com/security to learn how to help protect yourself and those closest to you.

1CYBER SECURITY

Be cyber secure: student scams
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