Digital banking makes life easier, but it also comes with risks. Scammers use different tricks to steal your information and money. Here are some common scams to watch out for:

• Account Takeover – Hackers steal your login details to access your bank, credit card, or government accounts.
• Malware – Harmful software that can damage your device or steal personal data.
• Spoofing – Scammers pretend to be trusted companies or people to trick you into giving up sensitive information.
• Phishing, Smishing, and Vishing – Fake emails, text messages, or phone calls that pretend to be from real companies to steal your info.
• Spam – Unwanted messages that can sometimes lead to scams.

Always be cautious and protect your online accounts from these threats!

Scammers use emails, fake invoices, and suspicious notices to trick people. Follow these tips to stay safe:

• Be Cautious with Emails & Messages – Don’t click links or share personal info in unexpected emails, calls, or texts.
• Verify Before You Act – If you get a message asking for money or personal details, check the company’s official website or call their real number.
• Think Before You Wire Money – Don’t send money to someone you can’t verify. Once sent, it’s usually gone forever.
• Watch for Urgency Tricks – Scammers want you to rush. Take your time to confirm if a request is real.
• Upfront Payments Are a Red Flag – Legitimate companies don’t ask for money before giving prizes or services.
• Avoid Cashing Unknown Checks – Never deposit or make checks payable to someone you don’t know.
• Trust Your Gut – If something sounds too good to be true, it probably is. Ask a friend or family member for advice before making a decision.

When in doubt, don’t give it out!

Protecting your money online is important. Watch out for these scam warning signs:

• Fake Invoices & Urgent Payment Requests – Always double-check with a trusted source before sending money.
• No Upfront Payments for Prizes – Real companies won’t ask you to pay before giving a prize or winnings.
• Be Careful with Wire Transfers – Money sent this way is often impossible to get back. Only send it to verified people or businesses.
• Scammers Impersonate Banks & Agencies – Don’t share personal or financial info through unexpected calls, emails, or texts.
• Pressure to Act Fast – Take your time to verify. Scammers want you to rush.
• Too Good to Be True? – If it sounds unreal, it probably is. Check with a trusted friend or do some research.

When in doubt, don’t share! Always verify before acting.

Scammers often target seniors with tricks like:

• Fake Medicare & Bank Notices – Watch out for emails or calls claiming urgent action is needed.
• Family or IRS Threats – Scammers may pretend to be a relative in trouble or the IRS demanding money.
• Online Trust & Limited Tech Skills – Some seniors struggle with spotting fake websites, installing security software, or understanding scams.
• Social Media Tricks – Scammers use quizzes and fake profiles to gather personal info.
• Cyberbullying & Financial Abuse – Emotional manipulation and financial scams are becoming more common.

Stay safe by verifying requests, avoiding unsolicited links, and being cautious online. If unsure, ask a trusted friend or family member!

Scammers are targeting young people more than ever. Here’s what to watch out for:

• Fake Cash Promises – If it sounds too good to be true, it probably is.
• Online Shopping Scams – Fake ads for luxury brands or “too-cheap” deals can be a trap.
• Contests & Scholarships with Fees – Real ones don’t ask for money upfront.
• Fraudulent Job Offers – Be cautious of jobs that require personal info or payment to start.
• Social Media Identity Theft – Scammers steal info from profiles to commit fraud.
• Modeling & Talent Scams – Legitimate agencies don’t charge for auditions.
• Online Auction Scams – Always verify sellers before making purchases.

Parents should talk to their kids about digital safety, warning signs of scams, and the risks of sharing personal info online.

Protect your debit card and personal info with these simple steps:

• Check Your Bank Statements Regularly – Spot any unusual transactions early.
• Sign Your Card When You Get It – This helps prevent fraud.
• Update Your PIN & Passwords Often – Change them every few months for added security.
• Use Only Bank ATMs – Avoid skimming scams at random ATMs.
• Set Up Transaction Alerts – Get notified of any suspicious activity.
• Report Lost or Stolen Cards Immediately – Contact your bank right away.
• Treat Your Card Like Cash – Keep it safe and never share details.
• Avoid Public Wi-Fi for Transactions – Public networks can be risky.
• Never Share Your PIN or Card Info – Even with friends or online.

Stay alert and protect your money!

Scammers use phone calls to trick people out of money, sometimes even their life savings. Here’s how to stay safe:

• Know the Red Flags

  • No real prize requires payment – If you have to pay, it’s a scam.
  • Government agencies don’t threaten arrests – The IRS, Social Security, or police won’t call demanding money.
  • Scammers pressure you to act fast – Take your time and verify.
  • Gift cards & cryptocurrency are scam payments – Legitimate businesses don’t ask for these. 

• Watch for Suspicious Calls

  • If someone claims to be from a government agency, verify their identity.
  • Be cautious of robocalls, especially if you’re on the Do Not Call Registry.
  • Don’t trust caller ID—scammers can fake numbers.

• Protect Yourself

  • Never share personal or financial info over the phone.
  • Hang up if something feels off and research before taking action.
  • Talk to a trusted friend or family member if you’re unsure.