Package and Delivery Scams
With more packages being shipped during the holidays, scammers often pose as well-known delivery companies like USPS, FedEx, or UPS. These messages may claim there’s an issue with a delivery and ask you to click a link or provide personal information. In reality, the link leads to a fake website designed to steal your data.

Holiday Shopping Scams
Seasonal sales and “too good to be true” deals especially those promoted on social media can be tempting. Scammers create fake online stores or ads that look legitimate but never deliver the product. Before making a purchase, take time to read reviews, verify website security, and research unfamiliar sellers.

Charity and Investment Scams
Scammers often exploit emotions during times of uncertainty or disaster by creating fake charities or investment opportunities. These scams may promise guaranteed returns or urgently request donations for relief efforts. Legitimate charities and investments will never pressure you to act immediately or guarantee profits.

Tech Support Scams
In these scams, someone claims to be a technician from a trusted company like Microsoft, Apple, or your internet provider. They may say your device has a virus and ask for remote access or payment to “fix” the issue. This can result in stolen personal information, malware installation, or financial loss.

Imposter and Romance Scams
Fraudsters sometimes pretend to be a family member, romantic partner, or even law enforcement. Romance scams often start with fake profiles on dating sites and build trust over time before asking for money. Today, scammers may even use artificial intelligence and deepfake technology to convincingly impersonate real people.

ATM and Card Skimming Fraud
Criminals may install hidden skimmers, cameras, or fake keypads on ATMs, ITMs, and gas pumps to capture card and PIN information. These devices are often difficult to detect, making it important to stay alert when using machines in public places.

How to Protect Yourself This Holiday Season

• Be cautious of emails, texts, or calls asking for personal or account information

• Avoid clicking links or opening attachments unless you’re certain of the sender

• Never share one-time passcodes or login credentials

• Be skeptical of urgent messages or threats claiming account issues

• Watch for deals or offers that pressure you to act quickly

• Keep social media accounts private and limit what you share publicly

• Report suspicious activity to your credit union immediately

Education and awareness are powerful tools in preventing fraud. Staying informed and slowing down before responding to messages or making transactions can help protect your identity and your money.

If something doesn’t feel right, trust your instincts and don’t hesitate to reach out to your credit union for guidance and support.