Common Scams to Watch For—and How to Protect Yourself

Toll Scams

Toll scams often arrive as unexpected text messages claiming you owe unpaid tolls. These messages usually include urgent language and a link asking you to pay immediately.

• What to know: Legitimate toll agencies do not request payment through unsolicited texts or links. Clicking these links can expose your personal or financial information.
• What to do: Pause before clicking. Visit the official toll agency website directly or contact them using a trusted phone number.

Check Fraud

In check fraud scams, you may be asked to deposit a check and send part of the money back. Sometimes checks are altered or counterfeit, and the funds may later be reversed.

• What to know: If someone pressures you to act fast with funds you weren’t expecting, that’s a red flag.
• What to do: Never send money from a deposited check until it has fully cleared. If something feels off, verify before taking action.

Romance Scams

Romance scams start with connection—often through social media, dating apps, or email. Scammers build trust online, then ask for money, gift cards, or personal information.

• What to know: Scammers often avoid meeting in person and may create emotional urgency to pressure you.
• What to do: Be cautious about sharing personal or financial information online. Real relationships don’t come with financial pressure.

Phishing Attempts

Phishing scams appear as emails, texts, or calls that look like they’re from your credit union, a business, or even someone you know. These messages often ask you to click a link or provide personal or account information.

• What to know: Urgent language, unexpected requests, and unfamiliar links are common warning signs.
• What to do: Don’t click. Don’t respond. Verify the request by contacting the organization directly using a trusted number.