PROTECTING YOURSELF FROM FINANCIAL SCAMS: WHAT EVERY MEMBER SHOULD KNOW

At Campbell Federal Credit Union, your financial security is our top priority. Unfortunately, scammers are always looking for new ways to trick hardworking individuals out of their money—and many of these scams are becoming increasingly convincing. The good news? A little awareness can go a long way in keeping your personal information and finances safe.

Whether you’re handling your finances online or by phone, here are some common scams to watch out for—and how to avoid becoming a victim.

1. Tech Support Scams

You may get a pop-up or phone call claiming your computer has a virus—and offering to “fix it” if you give remote access or pay a fee.

Tip: Never give control of your computer to someone who contacts you out of the blue. Only trust reputable tech support services that you initiate contact with.

2. Phishing Emails & Texts

You might receive an email or text that looks like it’s from your bank, credit union, or even a government agency. It may ask you to click a link and “verify” your account or log in to “prevent suspension.”

Tip: Don’t click! These messages are designed to steal your login credentials or install harmful software. Campbell FCU will never ask for personal details like your PIN or password via email or text.

3. Impersonation Scams

Scammers sometimes pretend to be from a trusted source: the IRS, Medicare, or even a family member in trouble. They might say you owe money or that someone needs help immediately.

Tip: Always verify. Hang up and call the official number yourself. If someone says they’re a family member in need, call them (or another family member) directly before acting.

4. The “Too Good to Be True” Offer

If someone contacts you out of the blue claiming you’ve won a prize, inherited money, or are eligible for a “special government grant” but need to pay a fee upfront—stop right there. Scammers often use excitement and urgency to get you to act fast.

Tip: If it sounds too good to be true, it probably is. Don’t send money or give out personal information for any unexpected prize or offer.

5. Check & Overpayment Scams

You sell something online, and the buyer “accidentally” sends a check for too much, asking you to send the difference back. A week later, the check bounces—and you’re out the money.

Tip: Don’t accept overpayments from strangers. Wait for checks to fully clear (not just appear in your balance) before spending the funds.

How to Stay Safe

• Never share personal information like your Social Security number, PINs, or passwords unless you initiated the contact.
• Use strong, unique passwords and change them regularly.
• Monitor your accounts for suspicious activity. Campbell FCU members can use our online and mobile tools for secure account access.
• Ask us for help. If you’re unsure about a phone call, email, or transaction—call us. We’re here to help you figure out what’s legitimate and what’s not.

Scammers are clever, but you’re smarter. By staying cautious and informed, you can protect yourself and your loved ones. If you ever have a question or concern, don’t hesitate to reach out to the Campbell FCU team at 800-257-5354. We’re always happy to help.