Stay Safe from Scams

As we start a new year, protecting your hard-earned money from scams is more important than ever. Scammers often target individuals with deceptive emails, phone calls, and online schemes designed to steal personal information or financial details. The good news? With a little knowledge and awareness, you can stay one step ahead.

Common Scams Targeting Seniors

Certain scams are more likely to target those who are retired or managing significant savings. Be aware of these tactics:

• Medicare Scams: Fake calls claiming to need personal information for your Medicare benefits.
• Investment Scams: Fraudulent offers promising quick returns with little risk.
• Tech Support Scams: Scammers pretending to fix a nonexistent issue on your computer.
• Relative Scams: Imposters posing as a member of your family, in urgent need of money.

How to Recognize Scams

Scammers often use urgency and fear to push you into quick decisions. Be cautious of any messages or calls that ask for payment immediately or request personal information like your Social Security number or banking details. Legitimate organizations will never demand sensitive details over the phone or email. If something doesn’t feel right, take time to verify its authenticity.

Steps to Stay Protected

Protecting yourself doesn’t have to be complicated. Start with these practical tips:

• Never share personal information unless you are absolutely certain who you’re speaking with.
• Use strong, unique passwords for your accounts and enable two-factor authentication when possible.
• Verify calls or emails by contacting the organization directly using official contact details, not the ones provided in the message.
• Regularly monitor your accounts for suspicious activity and report any concerns immediately.

What to Do if You’ve Been Scammed

If you think you’ve fallen victim to a scam, take action quickly:

1. Secure Your Accounts: Update your passwords and activate extra security measures.
2. Contact Your Bank or Credit Union: Guadalupe Credit Union can help block unauthorized transactions and provide support.
3. Report the Scam: File a report with the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

At Guadalupe Credit Union, your safety is our priority. If you ever feel uncertain about a suspicious call, email, or transaction, visit your nearest branch or call us for assistance. We’ll work with you to ensure your financial security.

Stay Protected

Scams can happen to anyone, but by staying informed and vigilant, you can protect your finances and personal information. Trust your instincts—if something feels off, take a moment to verify before acting.