Communication Fraud 101

DEFINITIONS

Review the Rundown

Phishing
The fraudster sends emails as if they are a reputable institution to try to get your personal information.
Smishing
The fraudster sends texts as if they are a reputable institution to try to get your personal information. 
Vishing
The fraudster makes phone calls as if they are a reputable institution to try to get your personal information. 

SMISHING SCAMS

Conquer Smishing Shenanigans

Bank on the fact that we will NEVER:



Ask for card info

This includes your card number, CVV, and expiration date.

PRO TIP:

When in doubt, reach out.




Request your login info

We don't need your username, password, or one-time passcodes.

PRO TIP:

If account info's their wish, 
it's probably a phish.




Use an unrecognizable number

Raise the red flag if you receive a link to download information or software.

PRO TIP:

Pause and think if you 
receive a weird link.

CONTEST SCAMS

Unmask prize ploys

Here's how it usually goes down:

Fraudster posts a scam contest.

Contestants engage with the contest.

Fraudster reaches out to winners for claiming the prize using a person-to-person payment method (like CashApp).

Contestants can only claim prize by paying money to fraudster.

Fraudster receives funds but never sends prize.

MARKETPLACE SCAMS

Master the art of buyer beware

Spot red flags like a pro.

Too Good To Be True

Trust your instincts. Don't fall for deals that are too good to be true.


Requests for Personal Info

Keep your personal info like phone number and address on lockdown. 


Urgency Tactics

Raise suspicion on hasty deadline decisions and quick countdowns.



SCAM SLAYER CHALLENGE

Are you ready to take the Fraud IQ Quiz?

Enter to win $150* by putting on your detective hat and taking this quick quiz.

I'm Ready!

*Participation in the Contest is subject to the complete Contest Rules found here: https://y12fcu.org/fraud-contest. The Contest is open only to persons ages 18 years of age or older who completes the Fraud IQ Quiz from November 20, 2023 through November 30, 2023. Employees of Y-12 Federal Credit Union, its subsidiaries, its advertising and promotion agencies and the immediate family members (parents, siblings, children) and/or those living in the same household of each are not eligible to win.