THE CURRENT: FALL/WINTER 2025

Tips & Tools to Fight Digital Deception

Fraud attempts are becoming more common, more sophisticated, and unfortunately, more convincing. Scammers know the tricks that make people click, share information, or rush into making irrational decisions and actions. At Community West Credit Union, your security is one of our top priorities, and we're here to give you the tools and knowledge to stay one step ahead.

Common Scams to Watch Out For

• Phishing Emails, Texts & Calls: Messages and calls that look like they're from a trusted source but are really designed to steal your personal information.
• Romance Scams: Trick victims into sending money or personal information to someone posing as a romantic partner online. Scammers use dating apps, social media, or messaging platforms to build trust over weeks or months before asking for financial help.
• Gift Card Scams: Scammers will pose as government officials, tech support, or even friends to pressure victims to pay urgently with gift cards. Once the card numbers are shared, the money is gone, often untraceable, and cannot be recovered.
• Toll Scams: Messages claim you owe unpaid tolls and demand immediate payments or you will face dire consequences like fines, legal action, and vehicle authorities.
• Grandparent Scams: Scammers pose as relatives in distress, claiming to need money urgently for bail, medical bills, or other emergencies. They often request secrecy and pressure victims into sending funds quickly.

Tips & Tools to Help Protect Yourself

• Strong Passwords: Use unique, complex passwords for each account and update them regularly. Try to use easily remembered phrases with special characters.
• Multi-Factor Authentication (MFA)- Add an extra layer of protection whenever it's available with two-step authentication to log in to your accounts.
• Card & Account Alerts: Set up text or app notifications so you know right away when your funds have been used.
• Credit Union Support: Remember, we'll never call, email, or text you asking for your account number, PIN, or login information.

Smart Habits That Go a Long Way

• Pause Before You Click: If you receive a suspicious message, stop and verify before taking any actions.
• Trust Your Instincts: Any scenario where it pressures you to "act now" is a red flag.
• Keep Software Updated: Security patches on your phone, computer, and apps are essential to keeping your accounts and devices safe.
• Shred & Secure: Old account statements and sensitive documents should be destroyed, not tossed in the trash.