Security Center
Fraudulent email examples
Business Email Compromise (BEC) is the most common form of electronic payments fraud. It can take many forms, but is usually harsh, demanding or threatening. The fraudster wants to create uncertainty that will lead to a mistake.
Here are some examples of business email compromise and phishing attempts through email. Please remember that these are not legitimate messages. DO NOT RESPOND.
BEC example: change in payment instructions
**Subject:** Urgent – Payment Account Change
**From:** Michael Ross <m.ross@abcontract.com>
**To:** Rachel Zane <r.zane@gmail.com>
**Date:** Tue 9/30/2025 5:39 PM
---
Hi Rachel,
We can’t use our normal account due to an ongoing audit.
Please send all future payments to our updated account.
Routing number: 987654321
Account number: 12345678
Kindly confirm you made this change.
Best regards,
**Michael Ross**
AB Contract Company
(012) 345-6789
m.ross@abcontract.com | abccompany.com
---
**End of message.**
Phishing example: urgent request to validate personal information
Dear JPMorgan Chase Customer:
Due to the emergency situation with our server room and the closing of the New Orleans Branch of the Federal Reserve, JPMorgan Chase is presently unable to process wire transfers. Therefore we are asking that customers please refrain from initiating wire transfer requests through J.P. Morgan until further notice. All wires initiated before 12:30 PM CDT will be processed. However, there may be significant delays in doing so.
IMPORTANT: All customers must validate their personal information.
VERIFICATION LINK
This situation involves circumstances outside of our control, so we ask for your patience. We will keep you advised as the situation changes.
J.P. Morgan - Complete Solutions to protect your business and secure your computer. Thank you.
2025 All Rights Reserved JPMorgan Chase Bank JPMorgan ACCESS logo
Phishing example: Online banking account confirmation
From: JPMorgan Chase Bank
Sent: Sunday, May 11, 2025 11:10 AM
To: Recipient Name
Subject: Chase Bank Customer Service: Online Banking Account Confirmation!
Dear Chase bank customer,
As part of our security measures, all Chase bank customers are required to complete a Chase Online Form. We requested information from you for the following reason: your banking records are not updated.
You should complete Chase Online Form on a regular basis. To access the form please click on the following link:
Chase Online Form
We thank you for your prompt attention to this matter. Please understand that this is a security measure intended to help protect you and your account. We apologize for any inconvenience.
Sincerely,
Chase Online Accounts Department
Phishing example: Temporary suspension of your account
From: Chase Online
To: customer@isp.com
Sent: Saturday, February 9, 2025 6:08:54 AM
Subject: Secure message
Secure message: Your account is temporarily suspended
Suspension reason: Security Measures
We require you to complete a profile update so we can unlock your account.
To update your profile click here, login to your account and follow the steps.
The information provided will be treated in confidence and stored in our secure database.
If you fail to provide required information your account will be automatically deleted from our database.