How to Protect Yourself from Impersonation Scams

Impersonation scams are on the rise, targeting unsuspecting individuals by pretending to be trusted entities like credit unions, law enforcement, or government agencies to deceive you into sharing sensitive information. They often involve highly convincing fake phone calls, emails, or text messages that appear legitimate. The goal? To steal your personal information, access your accounts, or trick you into financial losses. Here’s what you need to know about identifying and protecting yourself from impersonation scams.

How to Spot Imposters

1. Be Suspicious of Incoming Communications

   Scammers can fake phone numbers, email addresses, and even URLs. If someone contacts you claiming to be from State ECU, law enforcement, or another trusted entity, don’t take their word for it. Caller ID and email headers can be spoofed, making it appear as if the message is coming from a legitimate source. Always verify independently.

   Tip: Stop, hang up, and call State ECU or the organization in question directly using a verified number, such as the one on our website or the back of your card.
   
   

2. Watch for Requests for Information

   State ECU will never ask you to provide sensitive information like your account balances, debit PIN, One-Time Passcodes, or online credentials in an unsolicited call, email, or text. Scammers often create a sense of urgency to pressure you into acting quickly without thinking.

   Tip: Never share sensitive information unless you initiated the contact and are sure of the recipient's identity.
   
   

3. Beware of Payment Requests

   If someone asks you to send money—especially via electronic payment methods like wire transfers or payment apps—stop and think. Scammers often ask for payments to settle fake debts, fees, or emergencies. State ECU will never demand immediate payment through untraceable methods.

   Tip: If a payment request seems suspicious, stop, hang up, and call State ECU or the organization in question directly to confirm.

Steps to Protect Yourself

1. Educate Yourself: Stay informed about common scams and tactics used by fraudsters.
   1. Visit trusted sources such as the Federal Trade Commission (FTC) website, or other reputable financial education platforms.
   2. Follow news updates and sign up for scam alerts to stay ahead of emerging threats.
   3. Take advantage of educational materials or webinars offered by your credit union or community organizations.
      
      
2. Verify Before You Act: Always use verified contact information to reach out to State ECU or other institutions.
   
   
3. Monitor Your Accounts: Use digital banking to regularly check your accounts for unauthorized transactions.
   
   
4. Report Suspicious Activity: If you suspect a scam, contact State ECU immediately and report it to the Federal Trade Commission (FTC).

Stay Vigilant

Protecting your financial information starts with awareness and caution. If you ever feel unsure about a communication you receive, remember: Stop, hang up, and verify.