Best time for scammers to bait consumers is during global crises and high profile news headlines, couple of examples are below.

Two e-mails making the rounds aim to snag customers of JP Morgan Chase, in the one, the subject line reads, “Account Review – Chase Team identified some unusual activity in your account.” In the other it reads, “Your have 1 new ALERT message”

Both tell their target to click on a link that takes them to a phony website, where they are ask to update their bank accounts by revealing personal information, including bank account number, PIN and Social Security number.

Another one has software to download for it “Bank Security System” protection. But by doing this it releases a virus that could infect your computer and track passwords and other personal information.

Remember a bank never sends emails asking customers to update their account information, and are often sent by overseas scammers who are hard to trace.

If you believe that you bank, investment or credit card account has been jeopardized, contact the company directly. Don’t hit reply on the e-mail.

YOUR BEST PROTECTION ALWAYS IS TO DELTE –WITHOUT OPENING ANY OF THESE MESSAGES.