Think Before You Tap, Type, or Talk to Avoid Scams
September 3, 2025
It starts with a ring.
You glance at your phone’s caller ID and recognize the number as your credit union, so you answer.
The voice you hear is calm, professional, and seems genuinely concerned when they inform you there has been suspicious activity on your account.
They indicate the situation can be resolved if you can verify a few details.
Not wanting your account to be deactivated, you provide your username and a verification code when asked.
Before you can hang up the phone, and process what is truly happening, your account has been compromised.
This is how scammers operate.
The above scenario is unfortunately becoming more common as fraudsters use sophisticated tricks to impersonate trusted institutions and pressure you into handing over sensitive information.
That’s why it’s more important than ever to stay alert to protect yourself and know the signs to spot a scam.
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 or click on any links. Contact the institution yourself by initiating a call to verify any suspicious communications.
- 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 in Manitowoc or (920) 451-8222 in Sheboygan. 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.
Questions? We're happy to help!
Call or text UnitedOne Credit Union at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.