Online Banking Fraud

Online banking fraud may take several different forms, though keystroke logging and phishing are two of the most common. Remember, Capital City Bank will never request sensitive information, including account numbers, passwords or Social Security numbers via e-mail.

Keystroke Logging (Keylogging)

Keylogging allows fraudsters to record your actual keystrokes and mouse clicks in an effort to gain User IDs, passwords or other sensitive information. Keyloggers are “trojan” software programs that are installed with a virus and target your computer’s operating system. Armed with this information, a fraudster may conduct unauthorized transactions through your online banking service.


Phishing scams request personal information from online users, typically by e-mail. In many cases, the fraudulent e-mail looks like a legitimate organization’s correspondence, including company logos and other convincing information. Phishing e-mails often state that the company needs to update your personal information or that your account is about to become inactive. When you click the link provided in the e-mail, it directs you to a “dummy” website that appears legitimate and requires that you enter personal information. Fraudsters will use this information to attempt to gain online access to your accounts.