Scammers are getting smarter and sneakier. Whether it’s a fake text from a job recruiter or a convincing email about a missed package, it’s easier than ever to get tricked into sharing personal information or even sending money.
The good news? Once you know what to look for, you’re far less likely to fall for a scam. Here are some of the most common scams we’re seeing lately, and what you can do to protect yourself—and your wallet.
Unpaid Parking Meter Scam
What it looks like: You receive a text or email claiming you owe money for an unpaid parking meter and must pay immediately to avoid additional penalties. The message usually includes a link that looks official.
How to avoid it:
- Don’t click on links in unexpected messages.
- Legitimate parking authorities don’t issue citations this way.
- If you’re unsure, contact the city or parking office directly using a verified phone number.
USPS Package Delivery Scam
What it looks like: You receive a message saying a package couldn’t be delivered, and you’re asked to click a link to reschedule or pay a fee. It may even look like it’s from USPS.
How to avoid it:
- Always track packages through the official USPS website.
- Be cautious of messages with urgent language, spelling errors, or unfamiliar links.
- Never share personal or payment information through unsolicited messages.
Job Recruiter Scams
What it looks like: A recruiter reaches out with an offer for a high-paying, remote job. They may ask for banking info for “direct deposit” or send a fake check and ask you to send money back.
How to avoid it:
- Be wary of job offers that sound too good to be true.
- Research the company and recruiter on your own before engaging.
- Never send money or provide personal banking details without verifying the offer’s legitimacy.
Fake Text or Call from a Financial Institution
What it looks like:
You receive a text or call claiming to be from your bank or credit union, warning of suspicious account activity. The message urges you to click a link or give your account details to fix the issue.
How to avoid it:
- Never give account info over the phone or through a link you didn’t expect.
- Contact your financial institution directly using the number on your debit card or statement.
Prize or Lottery Scam
What it looks like:
You’re told you’ve won a prize, lottery, or sweepstakes—but you must pay a fee or provide personal info to claim it.
How to avoid it:
- If you didn’t enter a contest, you didn’t win.
- Legitimate prizes never require upfront payment.
- Don’t share personal or banking info to “claim” a reward.
Smart Ways to Protect Yourself
- Never click on suspicious links or download unexpected attachments.
- Keep your personal and financial information private unless you’ve confirmed the recipient is legitimate.
- Use strong, unique passwords and enable two-factor authentication.
- Monitor your financial accounts and credit reports regularly.
Share the Knowledge
Scams often spread quickly, but sharing what you know can help stop them in their tracks. Talk to your family, friends, and coworkers—especially those who may be more vulnerable—about what to watch for.
And if you think you’ve encountered a scam or want help protecting your accounts, MEMBERS1st Community Credit Union is here for you. Contact us with questions or concerns. We’re ready to help you stay safe and secure.