How to Avoid Online Fraud

Here at Prosperity Credit Union, we’ve seen it all when it comes to online scams. The good news? You don’t need a degree in cybersecurity to protect yourself. With a little common sense and a few handy tips, you can keep your hard-earned money safe.

1. Trust Your Gut

If something feels "off," it probably is. Did you get a random text saying you won a contest you don’t remember entering? Or an email that your account will be "closed immediately" if you don’t click a suspicious link? That’s your red flag waving high and proud.

2. Don't Click That Link!

Scammers love sending fake links to trick you into giving up personal information. Always double-check before you click. If you get an email or text that looks like it’s from us but seems fishy, give your local branch a call. We’ll tell you straight-up if it’s real or not.

3. Keep It to Yourself

Your passwords and personal info are like your toothbrush—don't share them with anyone. And while you’re at it, make sure your passwords aren’t easy to guess. ("password123" won’t cut it, folks.)

4. Watch for Weird Payment Requests

No, you don’t need to pay your utility bill with gift cards. If someone asks you to send money in an unusual way—like through cryptocurrency or pre-paid cards—pause and question it. Scammers love these methods because they’re hard to trace.

5. Stay Sharp with Regular Checkups

Just like you check the cattle fence for breaks, check your bank statements for anything unusual. If you spot a transaction you don’t recognize, report it right away. Early detection can save you a headache (and your money).

6. Use Strong Security Measures

Enable two-factor authentication (2FA) on your online accounts whenever possible. It’s like having a lock on your digital front door. Also, keep your devices updated—those software updates often patch security holes that scammers try to sneak through.

7. Be Wary of Urgent Requests

Scammers love to create a sense of panic. If someone’s rushing you to make a decision - whether it’s a "limited-time offer" or a "family emergency"—take a breath and verify the story. Real businesses and loved ones will understand if you want to double-check.

We’ve Got Your Back

At Prosperity Credit Union, we’re here to help. If you’re ever unsure about something, give us a call or pop by your local branch. No question is too small when it comes to protecting your finances.

Stay safe out there!