Tips & Tricks
The Red Flags
The most common types of scams will target you through fake emails,
text messages, voice calls, letters or even someone who shows
up at your front door unexpectedly. No matter which technique
the scammer uses, you may be:
o Contacted unexpectedly by phone, email, text, direct message
or pop-up with a request for personal information or money. Never
click a link or download an attachment from someone you don't
know. Most banks will never text, email or call you asking for
personal or account information.
o Pressured to act immediately
with an alarming phone call, email or text that plays with your
emotions. Scammers may pose as an employee from a familiar organization
and say there's a problem that needs immediate attention. Do
not act unless you have verified the person who has contacted
you and the story or request is legitimate.
o Asked to pay in an unusual way, like gift cards, bitcoin, prepaid
debit cards or digital currency, including Zelle® to resolve
fraud. Banks will never ask you to transfer money to anyone,
including yourself and will never ask you to transfer money because
we detected fraud on your account.
o Asked to provide personal or account information, such as an
account verification code, bank account number or PIN. When in
doubt, don't give it out. Banks will never text, email or call
you asking for an account authorization code.
o Offered a free product or 'get rich quick' opportunity that
seems too good to be true? If something sounds too good to be
true, it probably is. Never cash a check for someone you don't
If you authorize a transfer or send money to a scammer, there's
often little banks can do to help get your money back.
Scammers use different tactics to get victims to fall for their
schemes. In some cases, they can be friendly, sympathetic and
seem willing to help. In others, they use fear tactics to persuade
a victim. Select the scam type from the following list to see
a typical message from a scammer and the red flags that should
cause you concern.