Financial scams are becoming more common — and more convincing. At UCCU, we are committed to helping our members protect their money and personal information. Learn about the most common financial scams, how to recognize warning signs, and what to do if you think you’ve been targeted.
A financial scam is a fraudulent attempt to steal money or sensitive personal information, such as bank account numbers, passwords, Social Security numbers, or debit and credit card details.
Scams can occur through:
Scammers can manipulate caller ID information to make it appear as though they are calling from a legitimate organization. These phone scams often pressure you to confirm account details or share sensitive information.
If you’re contacted about winning a prize or lottery you never entered — and are asked to pay fees or provide financial information — it is almost certainly a scam. Legitimate prizes do not require upfront payments.
In this common fraud scheme, a scammer sends a check and asks you to return part of the money. The check later turns out to be fraudulent, and you are responsible for the full amount deposited.
Scammers frequently request payment through wire transfers, gift cards, or mobile payment apps, claiming it’s needed for fees, deposits, or account verification. These payment methods are difficult to trace and rarely recoverable.
Scammers try to rush you by claiming immediate action is required to avoid account closure, legal action, or financial loss.
No legitimate financial institution will request sensitive information through unsolicited calls, emails, or text messages.
Fraudulent links often contain misspellings or look similar to legitimate websites. Always access your account by typing the official website directly into your browser.
If you receive an unexpected message about your account, contact UCCU directly using verified contact information.
Your financial security matters. If you ever have questions about a suspicious message, call, or transaction, contact UCCU immediately.
We’re here to help you stay informed, protected, and confident in your financial decisions.
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