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What To Do if Your Email Account Gets Hacked (And How To Secure It After)

If your email account gets hacked, you should swiftly check devices for malware and secure your login to protect yourself from potential scams and theft. When hackers control your email address, they can easily impersonate you to access personal and financial accounts and send malicious links to your contacts in order to execute scams against your friends and family.

While Arthur State Bank’s security measures help detect unauthorized account access and malicious activity, we still encourage our customers to understand email security and proactively protect their data. We’ve gathered some tips to help improve your understanding of how hackers operate, what to do if your email account gets hacked, and how to prevent future incidents.

How Email Accounts Get Hacked

It’s essential to understand how your email account got hacked to prevent retargeting and keep it secure. While a malicious actor could gain access to your account by stealing or guessing your password, not all hackers need a password to take control of someone else’s email account. Hackers can infiltrate unsecured access points, like Wi-Fi or browser password managers, or use various malware to obtain unauthorized entry into people’s emails.

Hackers use many methods to get into email accounts, including:

  • Guessing obvious or easy passwords or security questions
  • Watching over your shoulder as you enter passwords
  • Using malware to steal login credentials
  • Taking physical possession of a device that you’re logged into
  • Breaching an email service provider and stealing client data
  • Intercepting Wi-Fi traffic containing your login information

How To Tell If Your Email Account Got Hacked

Getting locked out of your email is usually the first thing to happen when your account has been hacked, and it is a common indication that your security is compromised. But when a hacker attempts a scam that requires monitoring incoming or outgoing mail, they may allow the email owner to maintain their access to try to go unnoticed. Thankfully, other signals besides being locked out of your account, like unusual password change requests and unfamiliar access locations, can help you identify a potential email hack. Consider any of these events as signs that your email account may have been breached:

  • You receive notifications that your username or password has changed and you didn’t make the request.
  • You’re notified that your email account was accessed by a new device or in a location that you don’t recognize.
  • Email contacts report receiving emails from you that include odd links, requests for money, and messages that sound unfamiliar or threatening.
  • Theft prevention measures are triggered on accounts linked to your email, such as your bank, credit cards, or shopping apps.

Examine Your Email Account Activity

If you suspect you’re the victim of a hacked email account, you should review recent activity to confirm this. Hackers often leave traces of their malicious activity behind.

To check whether your email has been hacked, contact your service provider and request information on the IP addresses accessing your emails. Next, review your inbox and settings for evidence that hackers made changes to maintain control of the account or intercept communications, such as:

  • Changing Password and Security Questions: Hackers lock the owner out of the account and prevent them from regaining access.
  • Disabling Authentication Settings: They may modify or disable any extra security layers, like multi-factor authentication, to make reaccessing your account easier.
  • Setting Up Mail Forwarding: Emails may be set up to forward to an unknown address, allowing a hacker to intercept communications from financial institutions or contacts. 
  • Resetting Recovery Contact Information: This might be changed to an email or phone number you don’t recognize, giving hackers access to reset your password.
  • Adding Email Filters: These automatically move or delete specific emails, such as security notifications or breach warnings.
  • Updating Reply-To / Send-From Addresses: This allows hackers to intercept email replies to steal sensitive information or send spam or phishing emails from your account.

Securing Your Email Account After It Was Hacked

If the scam didn’t cause too much reputational damage from spam emails or fraud schemes, and you feel you can resecure your inbox, you don’t need to delete your hacked email account and create a new one. But if your email address has been targeted multiple times or your email service provider experiences frequent data breaches, it may be wise to consider deleting your account and starting fresh with a more secure option.

You should also take these steps to secure your email account after it was hacked:

Run an Antivirus Program on Your Devices

Knowing what to do after your email gets hacked and which steps to prioritize is key to taking back control of your account and closing off hackers’ access points. Increasing your antivirus protection is the first change you should make, even before recovering your account. Running a comprehensive antivirus scan can identify malware downloaded onto your device and prevent additional malicious acts. Opt for a third-party antivirus scan in addition to your device’s built-in protection so the program is thorough enough to detect malware hidden deeply within your systems.

Change Your Password and Recover Your Account

After your device security is up to date, you can proceed with changing your email password and any additional steps to regain control. If you’re locked out of your email account, recovering it often requires answering security questions and entering the last known password and other details on your email service provider’s site. To help the provider confirm your identity, use a device associated with your account and sign in from a recognizable IP address.

Turn on Multi-Factor Authentication

This added security step requires both the password and an additional confirmation source, such as a text message or key code. Activate multi-factor authentication as soon as possible after recovering your account to prevent the hacker from regaining access. 

Alert Others to Your Hacked Email Account

After your email account got hacked, you should alert your contacts who may have been emailed malicious links or threats. You should also contact local authorities if the incident involves suspected identity theft or fraud, and your financial institution if your bank accounts were possible targets. 

Reset Security Questions

A hacker could have accessed your email account by guessing the answer to your security questions, especially if these were easily discoverable from public information or social media. Use these tips for choosing strong email security questions:

  • Select questions that are meaningful to you only. Avoid answering these using personal information that can be easily found online, like the name of a pet or your street address.
  • Provide answers that are specific to you and unpredictable to others. Using false answers is one tactic that makes these difficult to guess.

Review Email Settings

Hackers use email settings to intercept communications, send fraudulent messages, and maintain account control. Review mail forwarding, auto-replies, recovery contact information, and authentication measures, and reset any that the hacker manipulated for their schemes. 

Resecure Any Associated Accounts

Many people enjoy the convenience of diverse payment solutions, but online accounts associated with your email must be resecured after a breach. While many financial institutions require multi-factor authentication, confirm these settings are active and uncompromised. If your email account got hacked and it controls your cloud storage, your identity could be at risk if you don’t reset logins connected to digital passports, taxpayer forms, and other sensitive information.

Preventing Future Attacks on Your Email Account 

Knowing what to do when your email gets hacked is only half the puzzle. Email scam prevention is critical to protecting your finances, identity, and personal data. Changing your password isn’t enough to stop hackers; you must also implement multi-factor authentication and strong security questions, plus adopt safe online habits to stay ahead of these schemes. Arthur State Bank understands banking fraud trends, and we prioritize digital security. Use our tips for safer online banking to help keep your critical accounts protected. If you suspect an email scam has compromised your bank accounts, please contact us right away.

 

Proudly serving South Carolina since 1933, Arthur State Bank offers accounts and services to meet a variety of financial needs. To help you achieve all your financial goals, the bank offers in-person service as well as a range of convenient digital solutions. To learn how Arthur State Bank can help you with banking needs ranging from checking and savings to retirement accounts, mortgages, other personal loans and more, visit arthurstatebank.com.

Man doing his banking online

AnnualCreditReport.com is the only source for free credit reports authorized by the federal government. Every 12 months, you can get a free copy of your credit report from each agency.

Your credit report has your credit history for all of your credit accounts as well as any credit inquiries and public record court information such as collections. In addition, the report provides personally identifiable information such as your name, address, and employment.

Be sure to carefully review all three reports to identify any problem areas that you may need to clean up prior to applying for a mortgage. If there is any incorrect information, follow the reporting agency’s rules to correct it or add a notation to the report to explain the situation.

Your FICO Score is a score combines data from several areas include payment history, the amount owed, length of credit history, new accounts. Many lenders use this score as a guide. This score is not provided as part of the free annual credit report.

Learn more about how your credit score impacts your ability to secure a loan.

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Couple looking over finances

Primary considerations for setting your housing budget require an assessment of your income, debt and current savings for the down payment on the home. The following are generally recommended guidelines; however, you should meet with an Arthur State Bank lender to get personalized mortgage information.

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Couple meeting with lender

The pre-qualification/pre-approval letter is included with any offer you make on a house to inform the seller that you have met with a mortgage lender and you are prepared to make an offer. The letter states that based on certain assumptions, the bank is prepared to lend you up to a specified amount of money for a home mortgage.

When choosing a loan officer, we recommend going local to work with someone who understands your community’s real estate market. This blog on first-time home purchases includes questions to ask your lender that may be helpful when preparing for your meeting.

Helpful Resources:

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Realtor shaking hands with a client

When a house is sold, the seller typically pays real estate commission to both the listing agent and the selling agent. It is extremely beneficial for the buyer to use their own real estate agent. Loan officers can often recommend selling agents in the area; ask your officer about realtor referrals when discussing your loan.

A good realtor will know the local market and can help you find an ideal home based on your budget, location and desired features. During your search, understand that you will most likely need to compromise on some items, so it’s important to identify your critical needs versus your wants.

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Couple searching online for a home

Additionally, when you start with the house search and work backwards, homes can often go off the market while you’re completing steps 1-4. While browsing homes immediately can be tempting, we recommend following these steps in order so that, once you find your dream home, you’ll be well-positioned to take action immediately.

When you find the home you want and you think you are ready to put an offer on it, you will want to make sure you have all the information you need to make a solid offer.

  • Evaluate the neighborhood.
  • Drive by the house at different times of the day.
  • Examine how other houses in the neighborhood are maintained.
  • Consider any potential traffic or other disruptive noise.
  • Is there ample parking for you and visitors?
  • Read the details in any Homeowner Association agreements (HOA fees and rules).

Make sure to do a preliminary check of house details:

  • Check the water:
  • Does it have good pressure?
  • How long does it take to get the water hot?
  • Is it well water or city water?
  • Turn light switches on and off.
  • Open and close doors and windows to make sure they work properly.
  • Review previous utility bill expenses.
  • Consider the property tax bill.

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Family meeting with realtor at new house

When writing an offer contract, be sure to pay attention to all of the details.

Offer Price:

Your agent should do a market analysis that pulls data on recently sold comparable houses. The best comparisons will come from the same neighborhood.

If you are asking for the seller to pay some of the closing costs, remember that this cost plus the sales commission determines the net amount you are offering the seller for the house.

Work with your agent on your negotiation strategy. There are many things to consider, such as how badly you want this particular house, whether it is a buyer’s or seller’s market and an assessment of the seller’s motivation to get the property sold.

There isn’t one best strategy.

Be sure to document in writing everything you want included with the house, such as appliances, etc. Your agent should guide you through the contract step-by-step.

Contingencies:

  • Home inspection.
  • Mortgage.
  • Final walk through (24 hours prior to closing).

Proposed closing date. Typically, this is 30-45 days from an accepted offer.

A good-faith deposit is required for the offer. This is typically between 1-10% of the purchase price of the house. The deposit is kept in escrow until closing and the money is applied to the purchase price of the house at closing. If the house does not close due to one of the contingency clauses, the buyer receives their money back. However, if the buyer decides not to close on the property, the seller may get the deposit money.

Attach your pre-approval letter to the offer.

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Two people in professional meeting

The clock starts ticking for everything documented in the contract, including mortgage application, inspections and closing date.

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Woman advising other woman on mortgage application

You will need to decide which mortgage to select prior to the application.

Plan for the following potential fees:

  • Application fee (many banks and mortgage companies charge an application fee; however, there is not an application fee at Arthur State Bank).
  • Credit check.
  • Appraisal (may be paid at closing).
  • Loan origination fee (paid at closing).

Once you have approval for your loan, make sure you don’t change anything that will impact the status of your mortgage. Banks do a final check on credit and jobs just prior to closing, so now is not the time to change jobs or make another purchase on credit such as a car or furniture.

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Home inspector going over findings with home owner

Depending on the size of the house, an inspection can cost on average between $300 to $1000.

Many real estate contracts specify how problems uncovered in the inspection will be resolved, up to a certain dollar amount. Should necessary repairs exceed that amount, the buyer has the option to cancel the contract without penalty and receive their deposit money back. Another option is for the buyer and seller to renegotiate who will pay for additional repairs.

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Woman happily holding keys to her new home
  • Homeowner’s insurance is required by the lender prior to closing on the loan.
  • Turn on utilities in your name, effective the closing date.
  • Change your address with the U.S. Postal Service.
  • Make moving arrangements.

Three days prior to closing:

  • You should receive your final Closing Disclosure from the closing agency. The final Closing Disclosure shows a column for the seller and a column for the buyer. All closing charges and credits for both the seller and the buyer are documented in the closing statement.
  • Review the closing statement for accuracy prior to coming to closing.
  • The final amount in the buyer’s column shows you the amount of money you need to pay at closing.

The closing office will provide specific payment instructions. Closing funds have become recent targets for cybercriminals. If you are asked to use a wire transfer, call the office and ask to speak to someone you have been working with to double-check the instructions.

Closing day:

In South Carolina, the closing will usually take place at the attorney’s office. Everyone signing for the mortgage must be present to sign the closing paperwork. Make sure you bring the following:

  • Cashier’s check or proof of payment for wire transfer.
  • Driver’s license.
  • Checkbook, just in case there are any additional items that were not on the closing statement.

Be sure to understand this information:

  • How and when you will pay:
  • Your mortgage.
  • Your property taxes.
  • Your homeowner’s insurance.
  • Any HOA dues.
  • Who to call with any questions.

The best practice is to go through the homebuyer’s roadmap in this sequence. However, if you jumped ahead early in your journey, just circle back to address the steps you missed.

Arthur State Bank’s loan officers are closely tapped into local real estate markets and experts at helping clients get what they need on terms that work for them. We also offer mortgage specials for first-time homebuyers.

To start planning your journey to your dream home, try out our mortgage calculator. If you’re ready to talk to a loan officer, contact Arthur State Bank to request personalized mortgage information today. Don’t forget to ask about our first-time homebuyer offer.

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