Scammers are getting smarter—and bolder. Whether it’s a fake text, a suspicious email, or a phone call that feels just a little off, imposter scams are on the rise and targeting consumers across the country.

At FCCU, we’re committed to helping you stay informed and protected. Visit our Fraud & Security page for up-to-date alerts, tools, and tips to safeguard your accounts.

How to Protect Yourself

As prevalent as imposter scams are, there are steps you can take to protect yourself. By implementing proactive measures and knowing what to look out for, you can reduce the risk of falling victim to these fraudulent schemes.

1. Verify the Identity

If you receive a suspicious call, text, or email, don’t respond right away. Instead, contact the organization directly using a trusted phone number or website. For emails, check the sender’s domain and search online to confirm legitimacy. FCCU members can find trusted contact info and fraud reporting steps on our Fraud & Security page.

2. Don’t Share Personal Information

Never share sensitive information—like your Social Security number, account details, or passwords—unless you initiated the contact and are sure of the recipient’s identity.

3. Be Wary of Urgency

Scammers often use pressure tactics to rush you into action. If someone says you must act immediately or face consequences, pause and verify. Legitimate organizations won’t use fear to force decisions.

4. Use Secure Payment Methods

Only use traceable and secure payment methods when making purchases or donations. Avoid gift cards, wire transfers, or cryptocurrency for unknown parties—these are common tools used by scammers

5. Stay Informed

Keep up with the latest scam alerts from trusted sources like the FTC, FBI, or your financial institution. Awareness is your first line of defense.

**FCCU offers real-time alerts and card-locking tools to help you monitor and protect your accounts — learn more here.**

Test Your Scam Smarts

Are You at Risk for Identity Theft?

Find out if you’re taking the right steps to protect yourself. Use our quick tool to assess your fraud and identity theft risk and get personalized tips to strengthen your defenses.

Learn More: Protect Yourself from Identity Theft and Scams

Want to dive deeper into protecting your personal information? Check out the SmartMoney Online course: Protecting Yourself from Identity Theft and Scams.

In just 20 minutes, you’ll learn:

• How to spot common online threats and scams
• What steps to take if your identity is compromised
• How to manage your digital footprint and safeguard sensitive data

This course is just one of the many free resources available to you, thanks to the FCCU Foundation. Our SmartMoney Online library is designed to empower you with the knowledge you need to thrive financially. Check it out today and take the first step toward protecting what matters most.

About the FCCU Foundation

The FCCU Foundation empowers individuals and families across generations, building financial confidence and well-being through engaging education and personalized support. Whether you’re a First Commerce member or part of the broader community, our resources are here to support your journey toward financial wellness.

First Commerce Credit Union provides this content to inform and inspire. While we strive for accuracy, we do not guarantee this information is accurate, complete or current.  This information is not professional advice (tax, legal, financial, etc.) and should not replace your individual consultation with qualified advisors. Laws, rules, and personal circumstances can change, so please verify how this information applies (or does not apply) to your situation and location. All decisions remain your responsibility. First Commerce Credit Union and its affiliates and employees assume no liability for outcomes resulting from the use of this material.