Now is the perfect time to focus on protecting your digital life — especially your finances. As your trusted partner, we're here to help you stay ahead of cybercriminals who constantly refine their tactics.
Scams are getting smarter
Cybercriminals are skilled at creating urgency and credibility through three common tactics.
Imposter calls
A scammer calls pretending to be from your bank or another trusted institution. They may even “spoof” the caller ID so it appears legitimate, then claim your account shows suspicious activity — such as a high or unexpected transaction or overseas purchase. They often pressure you to act immediately by transferring funds to a “safe” account, revealing account numbers or sharing a one-time passcode. Scammers use this approach to get you to act before you have time to think it through.
Fake texts and emails
These messages look strikingly real, using official logos, familiar language or even your name. They might say your account has been locked, a payment failed or a package is waiting for confirmation. Visiting the included link can install malware or lead to a convincing website that steals login details, card number or personal information.
Urgent alerts
Scammers send notices about unpaid bills, unexpected charges or a delivery that “requires verification.” Some even mimic government agencies or shipping companies. The message is always the same: act fast or face consequences like late fees, service suspension or legal action. This sense of urgency is designed to override your caution, so you’ll share sensitive data or make a quick payment.
Protect yourself with simple steps
A few consistent habits can dramatically reduce your risk:
- Pause before you share. Never give personal or account information to unsolicited callers, emails or texts — even if they appear official or urgent.
- Avoid suspicious links. Go directly to a company’s website or use a trusted phone number instead of visiting links in messages.
- Use strong, unique passwords. A password manager can help you keep track.
- Enable two-factor authentication. Adding a second layer of security makes it much harder for criminals to access your accounts.
- Update software and apps. Regular updates patch vulnerabilities and strengthen defenses.
- Monitor accounts regularly. Review your summaries and online activity and report anything unusual right away.
How we help
We continually invest in advanced fraud detection, secure technology and education. If you ever suspect fraud or receive a suspicious message, call the number on the back of your Benefits card immediately.
Let's stay safe together
Staying informed and vigilant can protect your money and your identity. By working together, we can help keep your finances secure.
