Don’t Make These Common Fraud Prevention Mistakes

Fraud doesn’t always start with a major incident. In many cases, it begins with small oversights that are easy to prevent. Understanding a few basic habits can go a long way in protecting your money and your personal information.

Here are some of the most common fraud-prevention mistakes—and how to avoid them.

Sharing Your PIN, Passwords, or One-Time Codes

  • Your credit union will never ask for your PIN, online banking password, or one-time verification codes by phone, text, or email. Scammers often pretend to be a trusted company and create a sense of urgency to trick people into sharing this information.

  • Tip: If someone asks for sensitive information, stop the conversation and contact the organization directly using a trusted phone number or website.

Writing Your PIN on Your Debit Card

  • It may seem harmless, but writing your PIN on your debit card — or keeping it in your wallet — gives fraudsters quick access to your account if your card is lost or stolen.

  • Tip: Memorize your PIN and keep it secure, avoiding storage in obvious places.

Clicking Links from Unexpected Texts or Emails

  • Fraudulent messages often appear legitimate and may claim there’s an issue with a delivery, account, or payment. Even if you’re expecting a message, clicking links can take you to fake websites designed to steal your information.

  • Tip: Instead of clicking a link, visit the company's official website or app directly.

Ignoring Account Activity Until It’s Too Late

  • Fraud often begins with small signs. A minor charge you don’t recognize could be an early warning. The longer suspicious activity goes unnoticed, the harder it can be to resolve.

  • Tip: Regularly review your account activity and enable transaction alerts to stay informed in real time.

Stay Alert, Stay Protected

Fraud prevention doesn’t require advanced tools or technical knowledge — it begins with awareness and being consistent. By avoiding these common mistakes and paying close attention to your accounts, you can lower your risk and safeguard your financial well-being.

If you notice any suspicious activity or have questions about safeguarding your account, contact us immediately. We’re here to assist.

Taylor Maag