Fraudsters are constantly adapting, and new scams are emerging every day. Knowing what’s happening right now can help you recognize threats before they impact you.

1. Bank Impersonation Calls (Spoofing)
Scammers can make it look like your bank is calling you. They may claim there’s fraud on your account and ask for verification details.
👉 Tip: Hang up and call your bank directly.

2. Fake Fraud Alerts via Text (Smishing)
Texts that look like fraud alerts often include a link to “verify” your account.
👉 Tip: Never click links in unexpected texts—log in directly instead.

3. Email Phishing with Realistic Branding
Emails that look like they’re from trusted companies asking you to reset passwords or confirm information.
👉 Tip: Check the sender’s email address closely and avoid clicking links.

4. Payment App Scams
Fraudsters may request money through apps like Venmo, Cash App, or Zelle, posing as someone you know.
👉 Tip: Always confirm requests through another method.

5. Fake “Secure” Websites
Some scam websites look nearly identical to real banking sites.
👉 Tip: Always type your bank’s web address directly into your browser.

6. Social Media Marketplace Scams
Too-good-to-be-true deals or buyers requesting unusual payment methods.
👉 Tip: Avoid transactions that feel rushed or outside normal processes.

7. Account Takeover Attempts
Hackers use stolen passwords to access your accounts.
👉 Tip: Use multi-factor authentication whenever possible.

How Prairie State Bank & Trust Helps Protect You
At Prairie State Bank & Trust, we are actively monitoring for suspicious activity and may:

• Send alerts for unusual transactions
• Temporarily block suspicious activity
• Reach out if something doesn’t look right

Closing Thought
The more familiar you are with these scams, the easier they are to spot. A moment of caution can prevent a major financial headache.