How to Spot and Avoid Common Scams: A Guide for ACU Members

Staying safe in today’s digital world requires awareness and quick action. Scammers continue to employ more sophisticated methods to deceive consumers, making it more crucial than ever to understand their tactics. At ACU, we are committed to helping our members stay protected.

Recognizing the Red Flags

Scams almost always rely on creating a sense of urgency and emotional pressure. Be cautious of:

• Unsolicited messages requesting personal information or money.
• High-pressure tactics demanding immediate action.
• Requests for payment through gift cards, wire transfers, or cryptocurrency.
• Messages impersonating trusted institutions or individuals.
• Offers that seem too good to be true.

Common Scam Types Targeting Consumers

Fraudsters use a wide range of approaches, including:

• Imposter scams posing as financial institutions, government agencies, or family members.
• Tech support scams claiming your device has a virus.
• Online shopping scams using fake listings or sellers.
• Job-offer and employment scams requesting payments or personal data.
• Rental, QR code, and overpayment scams designed to steal funds.

How to Protect Yourself

To reduce your risk:

• Verify unexpected communication by contacting companies directly using official numbers.
• Avoid clicking unknown links — use official apps or websites instead.
• Enable multi-factor authentication and use strong, unique passwords.
• Monitor your accounts and credit reports regularly.
• Be cautious when using public Wi-Fi for financial activity.

What to Do If You Suspect a Scam

If something doesn’t feel right:

• Contact Associated Credit Union immediately at 770-448-8200. 
• Freeze your card or dispute suspicious transactions.
• Update passwords and strengthen your security settings.
• Report suspicious communications to appropriate authorities.

Remember: slowing down, verifying sources, and guarding personal information remain your best defenses against fraud.

Stay informed. Stay alert. Stay protected with ACU.