4 Phishing Scams. Keep your Money Safe, Learn Red Flags of Phishing.



4 Phishing Scams. Keep your Money Safe, Learn Red Flags of Phishing.

"Americans lost $5.8 billion to phishing and other fraud in 2021, a 70% increase from 2020."  - Federal Trade Commission

Banks Never Ask That from the American Bankers Association helps keep your money safe by learning the red flags of phishing. Get scam smart. Everyday people like you lose their hard-earned money to online phishing scams. Don’t fall for fake — learn how to spot shady texts, emails, and phone calls by knowing the things your bank would never ask.

Email Scams

Email scams account for 96 percent of all phishing attacks, making email the most popular tool for the bad guys. Often, the scammer will disguise the email to look and sound like it’s from your bank.

  1. Avoid clicking suspicious links: If an email pressures you to click a link, whether it’s to verify your login credentials  or make a payment, you can be sure it’s a scam. Banks never ask you to do that. It’s best to avoid clicking links in an email. Before you click, hover over the link to reveal where it really leads. When in doubt, call your bank directly, or visit their website by typing the URL directly into your browser.
  2. Raise the red flag on scare tactics: Banks will never use scare tactics, threats, or high-pressure language to get you to act quickly, but scammers will. Demands for urgent action should put you on high alert. No matter how authentic an email may appear, never reply with personal information like your password, PIN, or social security number.
  3. Be skeptical of every email: In the same way defensive driving prevents car accidents, always treating incoming email as a potential risk will protect you from scams. Fraudulent emails can appear very convincing, using official language and logos, and even similar URLs. Always be alert.
  4. Watch for attachments and typos: Your bank will never send attachments like a PDF in an unexpected email. Misspellings and poor grammar are also warning signs of a phishing scam.

What to do if you fall for an email scam

  • Change your password if you clicked on a link and entered any personal information like your username and password into a fake site.
  • Contact your bank by calling the number on the back of your card.
  • If you lost money, file a police report.
  • File a complaint with the Federal Trade Commission or call 1-877-FTC-HELP (382-4357).

Phone Call Scams

Scammers sometimes try to cheat you out of your money by impersonating your bank over the phone. In some scams, they act friendly and helpful. In others, they’ll threaten or scare you. Scammers will often ask for your personal information, or get you to send them money. Banks never will.

  1. Don’t rely on caller ID: Scammers can make any number or name appear on your caller ID. Even if your phone shows it’s your bank calling, it could be anyone. Always be wary of incoming calls.
  2. Never give sensitive information: Never share sensitive information like your bank password, PIN, or a one-time login code with someone who calls you unexpectedly — even if they say they’re from your bank. Banks may need to verify personal information if you call them, but never the other way around.
  3. Watch out for a false sense of urgency: Scammers count on getting you to act before you think, usually by including a threat.  Banks never will. A scammer might say “act now or your account will be closed,” or even “we’ve detected suspicious activity on your account” — don’t give in to the pressure.
  4. Hang up — even if it sounds legit: Whether it’s a scammer impersonating your bank or a real call, stay safe by ending unexpected calls and dialing the number on the back of your bank card instead.

What to do if you fall for a phone scam

  • If you gave a scammer personal information like your SSN or bank account number, go to IdentityTheft.gov to see what steps to take, including how to monitor your credit.
  • Change your password if you shared any sort of username or password.
  • Contact your bank.
  • If you lost money, file a police report.
  • Report the scam to the Federal Trade Commission or call 1-877-FTC-HELP (382-4357).

Text Message Scams

Phishing text messages attempt to trick you into sharing personal information like your password, PIN, or social security number to gain access to your bank account. If you don’t respond to these messages and delete them instead, your information is safe. All you need to do is spot the signs of a scam before you click or reply.

  1. Slow down—think before you act: Acting too quickly when you receive phishing text messages can result in unintentionally giving scammers access to your bank account — and your money. Scammers want you to feel confused and rushed, which is always a red flag. Banks will never threaten you into responding or use high-pressure tactics.
  2. Don’t click links: Never click on a link sent via text message — especially if it asks you to sign into your bank account. Scammers often use this technique to steal your username and password. When in doubt, visit your bank’s website by typing the URL directly into your browser or login to your bank’s mobile app.
  3. Never send personal information: Your bank will never ask for your PIN, password, or one-time login code in a text message. If you receive a text message asking for personal information, it’s a scam.
  4. Delete the message: Don’t risk accidentally replying to or saving a fraudulent text message on your phone. If you are reporting the message, take a screenshot to share, then delete it.

What to do if you fall for a phishing text message

  • Change your password if you clicked on a link and entered any sort of username and password into a fake site.
  • Contact your bank.
  • If you lost money, file a police report.
  • Report the scam to the Federal Trade Commission or call 1-877-FTC-HELP (382-4357).

Mobile Payment App Scams

Scams using payment apps such as Cash App, PayPal, Venmo, or Zelle, are growing more and more prevalent as those platforms become increasingly popular. Once you’re hooked, it only takes seconds for a scammer to access your hard-earned cash.

  1. Be wary of texts or calls about payment apps: Payment app scams often start with a phone call or text. If you get an unexpected call, just hang up. If you get an unexpected text, delete it. Even when they seem legitimate, you should always verify by calling your bank or payment app’s customer service number.
  2. Use payment apps to pay friends and family only: Don’t send money to someone you don’t know or have never met in person. These payment apps are just like handing cash to someone.
  3. Raise the alarm on urgent payment requests: Scammers rely on creating a sense of urgency to get you to act without thinking. They might claim your account is in danger of being closed or threaten you with legal action. These high-pressure tactics are red flags of a scam — a real bank would never use them.
  4. Avoid unusual payment methods: Banks will never ask you to pay bills using a payment app or ask you to send money to yourself. Scammers can “spoof” email addresses and phone numbers on caller ID to look like they’re from your bank, even when they’re not. When in doubt, reach out to your bank directly by calling the number on the back of your card.

What to do if you get scammed on a payment app

  • Notify the payment app platform and ask them to reverse the charge.
  • If you linked the app to a credit card or debit card, report the fraud to your credit card company or bank. Ask them to reverse the charge.
  • File a police report.
  • File a complaint with the Federal Trade Commission or call 1-877-FTC-HELP (382-4357).

For more information on scam prevention visit Banksneveraskthat.com

Recent Local Scams


Email Phishing Monday, February 6, 2023

A client just forwarded this email they thought looked suspicious, and they were right. This was not from us! Remember to always look at the senders email address and if you are ever unsure please call us. Do not click on emails from suspicious senders.

phishing attempt


WILCO PHONE SCAM Monday, October 3rd 2022

(WILLIAMSON COUNTY) Williamson County authorities are warning residents about another phone scam. 

The Williamson County Sheriff`s Office said they have received reports of a person calling residents and pretending to be an employee of the Williamson County Sheriff`s Office. This caller demands the resident make immediate payments over the phone for missing court. The caller will also threaten the resident with arrest if they do not comply. The Williamson County Sheriff`s Office says this is a scam and they will never try to make you pay court costs, fees, or fines over the phone. Just hang up or call the Sheriff`s Office. 

Text Scam seen by some of our CNB Cameron customers 

If you received this message it is not from CNB. Do not click or call this number. If you are ever in doubt call your local branch.


PayPal Scam #1

Scammers call saying they are from “PayPal” and request that you give them the last 4 digits of your bank account.  You will usually get sent a link and if you click on it, a blue screen will pop up and the scammer now has access to your computer.  Once they have access, they can get into online banking and transfer money.  The scammer then tells you, still pretending to be a representative from PayPal, that they deposited a large amount of money into your account from a refund (ex. Walmart) but they were only supposed to deposit a fraction of that amount.  Although you did confirm there was a large deposit put in your account, you did not know that the scammer just transferred money from another account of yours.  Then they ask you to go to that merchant (ex. Walmart) and buy gift cards for the difference and send them to the scammer or threaten that your accounts will be frozen, and you will not have access to your money.

PayPal Scam #2

You receive a message, be it through SMS, email, WhatsApp, Facebook, or a combination of these channels. The scammers add a sense of urgency to their emails so that in the event that they catch you off-guard, you will fall into their trap and provide them with the information they require. Furthermore, the message will sound very official, so as to not raise any suspicions that anyone other than a PayPal representative has sent it.

Usually, this scam message will inform you that your account was banned, locked, or limited, and will ask you to perform a series of actions in order to recover it or prevent it from being deleted altogether (and your funds lost forever). More often than not, these messages will also include a link, that, upon clicking, will lead you to a page that looks almost identical to the PayPal official website, and will ask you to log in to your PayPal account.

If you do put your real PayPal credentials there, you won’t be logged in to your PayPal account. Instead, the scammers will receive your login details and will try to lock you out of your account or steal your money from it. However, most attackers don’t stop there and will ask you additional personal details, such as the street you grew up on, your mother’s maiden name, you know, things that you usually get asked by security questions. Doing so can facilitate easy access to other acconts of yours to the hackers.

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