How to Spot a Fraudster

Fraudsters and scams targeting financial institutions continue to evolve, but knowing what to look for can help you stay one step ahead. By understanding common red flags, like unexpected requests for personal information, urgent payment demands, or unfamiliar account activity, you can make informed decisions with confidence. In this post, we’ll share practical tips to help you recognize potential scams and protect your financial well-being.

Fraud Prevention & Identity Protection 

Protect yourself before fraud happens. PRIVSY offers monitoring, insurance, encryption, LostWallet support, and 24/7 fraud resolution. For questions, call 844-477-4879. 

PRIVSY Services

• $1M Identity Insurance
• VPN (Virtual Private Network)
• PRIVSY Resolve
• Identity & Dark Web Monitoring
• Keystroke Encryption
• Lost Wallet Services
• SSN Monitoring 
• ID Risk Score & Monitoring 
• Device Data Recovery
• Data Breach Monitoring
• Credit Monitoring
• Credit Report & Score Tracking
• Change of Address Monitoring
• Privsy Tech Services 

Get Protected

 

Fraud & Scams 

Fraudulent text messages are currently circulating claiming to be Del Norte Credit Union. We will never ask for personal information by text, email, or phone. Do not respond to suspicious messages. Fraud attempts are designed to deceive you into giving away money or personal information. Awareness is your best protection. 

Common Warning Signs 

• Poor spelling or grammar
• No individual’s name attached
• Pressure to act quickly
• Buyer wants to use a “client” or “shipping agent”
• Overpayment with request to return the difference
• Requests for your address or wiring money
• Use of TTY to mask a caller’s voice 

How to Protect Yourself 

• Stop and think before acting on any offer.
• Verify who you’re dealing with. Ask for a callback number.
• Check credentials with the Better Business Bureau.
• Never wire money to someone you don’t know.
• Verify checks before accepting them—DNCU can help.
• Monitor your accounts through Online Banking.
• Review your credit report at least once per year.
• Report fraud immediately to DNCU and your local FBI office.
• File complaints at:  IC3.gov   FTC.gov   BBB.org 

 

Identity Theft 

Identity theft occurs when someone uses your personal information to commit fraud. It can happen through email, mail theft, phone calls, text messages, or at ATMs. 

How to Protect Yourself 

• Keep personal information private.
• Never share passwords or PINs.
• Monitor your accounts and set alerts.
• Change passwords regularly.
• Use eStatements to reduce mail theft.
• Add an account password with Member Services.
• Choose your own ATM or card PIN.
• Review account and credit card statements promptly.
• Shred sensitive documents.
• Avoid emailing personal information.
• Visit websites directly instead of clicking email links.
• Keep antivirus, firewall, and security software updated.
• Sign up for Verified by Visa.
• Use identity protection services if needed. 

 

Phishing 

Phishing uses email, phone, or text messages to trick you into sharing personal information. 

Common Phishing Tactics 

• Threats to restrict or close your account
• Fake promotions or surveys
• Claims of suspicious activity
• Requests to “update” information
• Links to fraudulent websites that look legitimate 

How to Spot a Phishing Message 

• Misspellings or odd formatting
• No secure “lock” icon before logging in
• URL does not begin with https 

Types of Phishing 

• Email phishing: Links or phone numbers leading to fraudulent systems
• Text scams: Claims of account suspension
• Trojan horse scams: Malware hidden in attachments or links 

What To Do 

• Don’t click links or open attachments from unknown sources.
• Verify phone numbers independently.
• Question messages that urge quick action.
• Enable junk filters and keep software updated.
• Ensure firewalls are active.
• Report phishing to IC3.gov.