大家掙點錢不容易，被騙了更是心痛。借周末特轉載銀行部門編寫的幾條防騙要點，小本本記上吧。

The best defense against bank account fraud is awareness. Review these tips to know what to look for:

• Use common sense. If it sounds too good to be true, it probably is.
• Be suspicious if you are asked to deposit or cash a check and immediately give or wire a portion of the funds.
• Remember that you are responsible and liable for items you cash or deposit into your account.  It may take time for a fraudulent check to be discovered and returned to your bank.
  • Be very cautious when depositing or cashing checks from individuals or businesses you do not know well or with whom you have only interacted online.
  • Do not accept payments for more than the total amount of a sale with the expectation that you send the buyer the difference.
  • Do not accept jobs in which you are paid or receive commission for facilitating money transfers through your account.
  • Do not accept work arrangements or sweepstakes proceeds that require you to deposit a check and send back a portion of the funds for training materials, taxes or fees.
  • Look for typos, discrepancies, and misspellings on checks and other documentation – they are red flags for potential fraud.
• Never be shy about asking for verification or independently researching an individual, company or check.
• Always ask your banker for assistance if you have any concerns about a check you are depositing or cashing.
• Remember that a wire transfer is an immediate form of payment. Once a scammer has obtained the funds you have wired in exchange for a check, the wire transfer cannot be reversed, even if the check was fraudulent.
• Be wary of strangers who initiate a friendly conversation and eventually move to a discussion regarding a financial opportunity or need that requires you to deposit a check, wire money or share an account or credit card number.
• Never give personal information to a stranger who contacts you by telephone, email, or other means. This includes your Social Security number, bank account information, online banking credentials, and credit or debit card numbers.
• Never try to lead on a scammer with the intention of “catching” them or getting back at them.  You may unintentionally provide the scammer with additional information that can be used to further defraud you.

https://www.wellsfargo.com/privacy-security/fraud/bank-scams/

所有跟帖： 

• 我借你的騙子貼請教一個問題 -慧惠- ♀ (305 bytes) () 03/05/2016 postreply 07:16:35

• 說說看怎麽個故事，警示大眾？ -水中撈月- ♂ (194 bytes) () 03/05/2016 postreply 07:24:22

• 肯定是我最近網上瞎買東西不用paypal的緣故 -慧惠- ♀ (336 bytes) () 03/05/2016 postreply 07:34:07

• 什麽飲料？這個就歸你了，商家不會要你退回去的。 -goingplace- ♀ (83 bytes) () 03/05/2016 postreply 07:56:37

• 我總覺得盜用人家卡在網上買東西，有地址，銀行查起來很容易，不是自己把自己暴露了？ -goingplace- ♀ (0 bytes) () 03/05/2016 postreply 07:59:18

• 他給自己買在當地，給我買可能是網上什麽公司，送我家裏了。 -慧惠- ♀ (0 bytes) () 03/05/2016 postreply 08:19:57

• 他們怎麽知道你的地址？其實真的要查，應該可以查到他用的那個IP。 -goingplace- ♀ (0 bytes) () 03/05/2016 postreply 08:21:08

• 估計和卡一起偷的，但不知道我在哪個網購的時候丟的。沒人理會這飲料，citi雖然查，但不管處理實物 -慧惠- ♀ (0 bytes) () 03/05/2016 postreply 08:26:04

• 俺不敢隨便作答，還是把你的問題踢皮球給檸檬大俠吧， -水中撈月- ♂ (238 bytes) () 03/05/2016 postreply 08:02:51

• 這個可以打電話讓送貨公司（ups，fedex之類）退回發貨公司。不是你買的，你也不想喝是吧。 -如塵- ♀ (0 bytes) () 03/05/2016 postreply 08:05:59

• 一般不會來取的，尤其重的物品。 -goingplace- ♀ (0 bytes) () 03/05/2016 postreply 08:08:12

• 電話不是真的，所以地址應該也是假的 -慧惠- ♀ (0 bytes) () 03/05/2016 postreply 08:22:56

• 那個大箱子的Fedex shipping label上有sender的名稱，地址，和電話。跟sender聯係， -側衛1- ♂ (190 bytes) () 03/05/2016 postreply 11:25:01

• 謝謝，第一天就打過電話，是假的，如果地址也是假的，這麽重，讓運輸公司白跑，有點兒猶豫 -慧惠- ♀ (50 bytes) () 03/05/2016 postreply 13:19:02

• 最後一招就是送到FEDEX store，讓他們退回to sender -側衛1- ♂ (179 bytes) () 03/05/2016 postreply 14:11:58