They might pop up in your e-mail or be quarantined by your computer’s anti-spam or anti-virus software.
Regardless, all those messages that seem to be warning you that your bank might not have adequate federal deposit insurance are bogus.
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of the fraudulent e-mails that look like they are being sent from the FDIC.
The subject line of the e-mail states: “check your Bank Deposit Insurance Coverage.” The e-mail tells recipients that, “You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.”
The e-mail then asks recipients to “visit the official FDIC website and perform the following steps to check your Deposit Insurance Coverage.” The link is a fraud, but visitors to it are instructed to “download and open your personal FDIC Insurance File to check your Deposit Insurance Coverage.”
This e-mail and associated Web site are fraudulent. Recipients should consider the intent of this e-mail as an attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to on-line banking services or to conduct identity theft.
The FDIC does not issue unsolicited e-mails to consumers. Financial institutions and consumers should NOT follow the link in the fraudulent e-mail.
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