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Mimishu1995's avatar

An urgent bank account question: Have I done everything in this situation? If not, what more should I do?

Asked by Mimishu1995 (23718points) 2 weeks ago
5 responses
“Great Question” (3points)

I just received an email from my bank informing me that someone was trying to access my bank account (coincidentally, I was transferring money to someone when it happened). I checked the email and realized that the device trying to get to my account wasn’t mine. I immediately called my bank and they advised me to change my password as well as checking the logging activities in my account. I did just that and found that the log only had my device, which meant that the strange device wasn’t able to access my account.

I’m really paranoid right now. Something like this has never happened to me before. I have never shared my bank number to anyone except my close friends when they need to send me money. I don’t give out my bank number to any website either. I have changed my password and confirmed that the strange device didn’t access my account, but have I done enough?

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JeSuisRickSpringfield's avatar

Was the person you were transferring money to on their device at the time? I wonder if the account registered their receipt of the money as an attempt to access. It’s the kind of thing that the bank representative should have known but is likely to have not actually known.

The other possibility that comes to mind is that you were the target of a random automated attack. There are people who set up programs that try random numbers and then input the most common passwords until they get lucky. As long as you have a strong password, your account will never be under actual threat from this kind of attempt. But it was still the right move to change your password.

Overall, you’ve probably done all you can. The fact that they failed to access your account is reassuring, so you’re probably safe if you don’t keep getting email warnings.

Mimishu1995's avatar

@JeSuisRickSpringfield the person I transferred money to was a delivery man. When I received the email I just scanned his QR code. I don’t know if it was him. The automated attack sounds more likely. Thank you for reassuring me that it isn’t as serious as I thought.

Blackwater_Park's avatar

Are you on a VPN? That can make things like this happen. If you can enable two-factor authentication it’s much more secure than a simple password.

flutherother's avatar

You did the right thing. Treat everything with suspicion and if you are unsure check with your bank’s fraud department.

In this case it is unlikely a scammer would try to access your bank account at the same moment you were accessing it yourself so I think @Blackwater_Park is correct.

Banks monitor for unusual activity to prevent fraud. Logging in from an unfamiliar IP address, especially one associated with a different geographic location, can trigger security measures.

JLeslie's avatar

This has happened to me with someone trying to hack into my facebook. It’s scary.

Can you set up an additional security measure like when you log in you need to be texted a code?

Also, in the US we can freeze access to our credit reports so new loans and credit cards, can’t be opened under our name unless we unfreeze our information. I don’t think it helps with someone trying to hack your bank account, but several years ago someone tried to open a bank account in my husband’s name and that prompted us to finally do those freezes, they had his social security number.

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