Learn the Warning Signs

Common scams

• Fake bank alerts: “Suspicious charge! Reply with the code we sent.” Your bank will never ask for that code.
• Government threats: “This is the IRS / Social Security. Pay now or be arrested.” Agencies do not do this.
• Package problems: “USPS: your package is on hold, pay $1.99 here.”
• Tech support pop-ups: “Virus found! Call Microsoft now.” Real warnings never include a phone number.
• Family emergencies: “Grandma, it’s me, I’m in jail, don’t tell Mom.”
• Romance: A new online friend who can never meet and needs money.
• Job offers: Easy high pay, then you are asked to deposit a check or buy equipment.
• Giveaways and crypto: “Send $500 in Bitcoin, get $1,000 back.”
• Invoice changes: “We changed banks, send this payment to our new account.”

Red flags

• Pressure to act right now
• Payment by gift card, crypto, wire, Zelle, or Cash App
• Requests for codes, passwords, or your Social Security number
• Being told to keep it secret
• Links that look almost right (amaz0n, paypa1, extra words)

How to verify a caller

1. Hang up. It is OK to be “rude.”
2. Find the number yourself: the back of your card, a statement, or the official website you type in.
3. Call that number and ask if the request is real.
4. Caller ID can be faked. A familiar name on the screen is not proof.

Protect your accounts

• Use a different, long password for email and banking.
• Turn on two-step verification, and never share the codes.
• Set up account alerts with your bank.
• Consider a free credit freeze at Equifax, Experian, and TransUnion.