How to Spot and Stop Scams
August 17, 2026
You're wrapping up your day when a text message appears on your phone.
It reads – UnitedOne Credit Union Alert: We detected a potentially fraudulent purchase on your debit card and put your card on hold.”
Within seconds, another message arrives with a link to "secure your account" and prevent additional unauthorized charges.
Concerned about your money, you tap the link and follow the instructions. The page looks legitimate, and when prompted, you enter your Digital Banking credentials and a verification code sent to your phone.
What seemed like a quick step to protect your account was actually giving scammers the information they needed to gain access.
By the time you realize something is wrong, your account has already been compromised.
The above scenario is unfortunately becoming more common as fraudsters use sophisticated tricks to impersonate trusted institutions and create a sense of urgency.
Their goal is to get you to act before you have time to think, verify the request, or recognize the warning signs.
That's why it's more important than ever to stay alert, protect your personal information, and know how to spot a scam before it becomes a costly mistake.
How Scammers Try to Trick You
Scammers use methods designed to catch you off guard. Review the tactics used below to prepare yourself should you ever encounter them:
- Spoofing – Fraudsters use technology to disguise their calls, texts, or emails to look like they’re coming from a legitimate business. These communication attempts may look real, so it’s important to remember to never share personal or account information in response to an unsolicited call, text, or email.
- Pressure – Scammers want you to act quickly. It’s a manipulation tactic to prevent you from thinking clearly. They’ll often say things like, ‘Your account is locked’ or ‘Your money is at risk if you don’t act now,’ to make the matter seem urgent. Take your time to assess the situation and don’t give out any personal or account information.
- Problem – Whether it’s an issue with your computer, a sudden debt, or a family emergency – if it comes unexpectedly– be skeptical. Never give out personal or account information when contacted out of the blue about a new problem. Take a moment to verify the situation before reacting.
What To Do If You Suspect Fraud
- Don’t Respond – If it's a phone call, hang up. If it's a text or email, don't reply, click links, scan QR codes, or download attachments. Instead, contact the institution yourself using a trusted phone number or website to verify whether the communication is legitimate.
- Report It – If you ever feel your UnitedOne account has been compromised or you received a fraud attempt, please contact us at (920) 684-0361. Visit the Digital Safety page of our website for details on how to also report fraud to the Wisconsin Department of Financial Institutions, Wisconsin Department of Justice, Federal Trade Commission, Securities and Exchange Commission, and Federal Bureau of Investigation.
- Inform Others – If you have a family member or friend who you feel would be more susceptible to a fraud scheme, please let them know what to watch for and how they can protect themselves from becoming a victim.
Scammers are always adapting to changing techniques, so it’s vital to remain vigilant when reviewing any communications. Remember, never give out any personal or account information to unsolicited calls, texts, or emails.
Visit the Digital Safety page of our website for more digital safety information and tips for keeping your account secure.
Thanks for being part of UnitedOne.
Call or text UnitedOne Credit Union at (920) 684-0361, or email us at mail@UnitedOne.org.