Scammers are getting more creative every day and many fraud attempts are designed to look like legitimate banking alerts. If you took our “Spot the Scam” quiz, here are the answers and some tips to help protect your personal and financial information.
#1 Text Message Scam
Answer: 🚩 Scam
Red Flags:
- Urgent requests to “verify immediately”
- Suspicious links
- Threats about account suspension
- Generic alerts without specific account details
Safety Tip: Never click links in unexpected text messages. Instead, log into your banking app directly or contact your local branch using a trusted phone number.
#2 Fraud Department Phone Call
Answer: 🚩 Scam
Red Flags:
- Requests for passwords or security codes
- Pressure to act immediately
- Threats involving your account
- Caller claiming to be from the bank unexpectedly
Safety Tip: If you receive a suspicious call, hang up and contact your bank directly using the number listed on the Waypoint Bank website. We will never ask for passwords, PINs, or secure access codes over the phone.
#3 Urgent Banking Email
Answer: 🚩 Scam
Red Flags:
- Generic greetings like “Dear Customer”
- Threats of account closure
- Suspicious sender email addresses
- Requests to confirm login information
Safety Tip: Avoid clicking links in unexpected emails. Open your banking app or type your bank’s website directly into your browser instead. Phishing emails often try to scare customers into clicking malicious links or entering login credentials.
Stay Scam-Aware
Fraud tactics continue to evolve, but staying informed is one of the best ways to protect yourself. Remember:
- Never share passwords or security codes
- Be cautious of urgent requests
- Verify suspicious messages directly with your bank
- When in doubt, contact your local branch
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