Preventing email, telephone and online fraud

There has been a significant increase in the number of instances where criminals use a variety of
methods to try to get users of online payment and other systems to reveal confidential account
information so that the criminals can gain access to the users' accounts. These include:

  • Sending an email that appears to be from the user's financial institution, from a
    government agency, or even from an individual that the user knows
  • Impersonating someone that the user is likely to believe is trustworthy in a
    telephone call or other communication.
  • Inducing a user to click on a link that appears to be legitimate but in reality
    introduces malicious software onto the user's computer or smart phone.

These efforts have become increasingly sophisticated. As a result, it is more important than ever
to strictly observe the following safety measures:

  • Never provide your user name or password, or other confidential information such as the
    names of authorized signers on your account, to anyone who contacts you by email,
    telephone or other method. Commerce Bank staff will NEVER contact you to ask for such
    information.
  • If you are contacted by someone identifying him-or herself as a Commerce Bank employee
    or representative before communicating with the individual, call or email your known
    Commerce Bank contact to verify that the communication is legitimate.
  • Do not respond to a phone number or e-mail address that appears to be from Commerce
    Bank unless you first have verified its authenticity through one of your known Commerce
    Bank contacts. For example, instead of replying to an email, send a separate email to
    someone you know to be a Commerce Bank employee and ask whether the email you
    received is legitimate.
  • Never click on an internet link in an email, including any "unsubscribe" link, unless you
    know how to verify that the link is authentic. Even website addresses that look legitimate
    (such as www.bankatcommerce.com) can be manipulated to take you to a malicious web site.
  • Whenever you connect to your online banking website, verify that you are indeed on a
    secure website by making sure that the website url appearing in your browser's address
    bar starts with "https."
  • Never validate an online or other transaction with someone who contacts you representing
    to be an employee of Commerce Bank.

We hope that these tips will be useful to you. If you have any doubts or concerns about any
communication purporting to be from Commerce Bank, please do not hesitate to call one of your
known Commerce Bank contacts. He or she will be able to confirm whether the person contacting
you is indeed representing Commerce Bank.