Tips for Avoiding Scams

Scammers are using a variety of methods to perpetrate fraud, including phishing scams, impersonation scams, and malware. To help you stay safe, here are some descriptions and tips to help you identify and avoid these common tactics.

Phishing Scams

Phishing scams use deception to encourage users to reveal sensitive information. These are often disguised in fake emails, messages, or websites that appear to be legitimate. When receiving unexpected emails or messages, you should always verify the sender’s authenticity. Additionally, you can safeguard your accounts and information by using multi-factor authentication and staying informed of the latest phishing tactics.

Impersonation Scams

Similar to phishing scams, impersonation scams occur when scammers pose as trusted individuals and organizations to get the user to divulge sensitive information. To avoid these tactics, it’s important to verify the identity of anyone contacting you without solicitation, and do not share personal or financial information until you have thoroughly investigated their authenticity.

Malware

Malware is malicious software that can be installed on a device to steal sensitive information. These include viruses, ransomware, worms, and trojans. This software can be downloaded when a user clicks on a link in an email, ad, social media post, or any method of digital communication. Often, the messaging seems urgent or offers services that seem too good to be true.

How to Handle a Scammer

Anytime you receive an unexpected or unsolicited communication, it’s important to prioritize your personal safety by verifying the authenticity of the source. Take action to block the scammer and report the incident to the proper authorities. This includes notifying your financial institution if there is a chance your information was compromised. Remember, Eastman Credit Union will never ask for personal or financial information via phone call, text message, or email. If something seems suspicious to you, contact us immediately.

If you suspect you were a victim of a scam, you should immediately notify ECU about the theft of your account information or card. You can also contact a helpline if the scammer has sensitive information like your Social Security number. To learn more, visit the FTC website for guidance on the next steps.