E-mail Fraud is an identity theft technique in which you receive a fraudulent e-mail from what appears to be a familiar legitimate business. The purpose of these fraudulent e-mails is to get you to divulge personal information in order to commit identity theft or to take money from your accounts. The e-mail normally looks authentic, complete with company logos, colors, and slogans, which many times will re-direct you to a web site. The web site will be a fabrication of the legitimate business' web site and will ask you for your personal information such as Social Security number, credit card numbers, account numbers, and passwords. Many times the phishers will do such a good job replicating the web site, that you will not be able to tell a difference just by looking at it. It may even have links to the actual legitimate web site.

Tips for spotting fraudulent e-mails:

• Urgent appeals claim that your account may be closed if you fail to confirm, verify, or authenticate your personal information immediatley. Umbrellabank.com will not ask you to verify information in this way.
• Requests for security information claim that UmbrellaBank has lost important security information and needs to update it online. Umbrellabank will not ask you to verify information in this way.
• Typos and grammatical errors are often the mark of fraudulent e-mails. Be on the lookout for: typographical or grammatical errors; awkward, stilted, or inappropriate writing; and poor visual or design quality.
• Too-good-to-be-true offers are often just that.

If you have received a fraudulent e-mail, please forward it to custservice@umbrellabank.com or call one of our knowledgeable customer service representatives to confirm the email is in fact from Umbrella. If you have replied to a suspicious e-mail and provided private information about your Umbrella account, please contact us immediately at 1.866.UMBRELLA (862-7355).