Your phone buzzes. It’s a text from your bank about a suspicious transaction. Or maybe it’s a message saying your package couldn’t be delivered. It looks legitimate, so you’re tempted to click.
But before you do, stop and take a closer look.
Scammers are constantly finding new ways to use texts and phone calls to trick people into sharing personal information or sending money.
Because scams can happen at any time, it’s important to stay alert whenever you receive an unexpected text or call. Here are some tips to help protect yourself:
Scams to Watch For
The FBI IC3 found that phishing/spoofing was the most reported internet crime type in 2025. (opens in a new tab) Here are some of the most common scams to watch for:
Fake package delivery problems: You may receive a text claiming there’s an issue with a delivery or that you need to pay a small redelivery fee. The link may take you to a fake website designed to steal your payment or personal information. Instead, check your delivery directly through the retailer or shipping company’s official website or app.
Phony job opportunities: Unexpected texts offering easy work or money for completing simple online tasks may be part of a “task scam.” Eventually, you may be asked to send money to complete tasks or access supposed earnings. Never give money to get paid.
Fake fraud alerts: A text may claim there’s suspicious activity or a large purchase on your account and ask you to reply to verify the transaction. If you respond, you could be connected with a scammer pretending to be a fraud representative. Never move money or provide sensitive information because someone tells you your account is at risk.
Bogus toll notices: A text may claim you have an unpaid toll and need to pay immediately. Don't click the link. If you think you may owe a toll, visit the toll agency's official website directly.
“Wrong number” texts: An unexpected message that appears to have been sent to the wrong person may seem harmless. But responding can open the door to a longer conversation that eventually turns into a request for money or a fake investment opportunity.
AI-powered scams: Scammers can now use artificial intelligence to make texts, emails and even cloned voices sound convincing. Don't assume a familiar voice or caller ID means the person contacting you is legitimate.
How to Spot a Scam
Scammers often rely on the same tactics:
Urgency: They want you to act immediately before you have time to think.
Fear: They may threaten account closures, fees or other consequences.
Requests for information: They ask for passwords, Social Security numbers, card information or verification codes you wouldn't normally share.
Suspicious links: They direct you to a website that looks legitimate but isn't.
When in doubt, stop and verify. Don't click unexpected links, respond to suspicious texts or provide personal information over the phone. Instead, contact the company or financial institution using a phone number or website you know is legitimate.
It's also a good idea to turn on account and card alerts, use multifactor authentication and create unique passwords for your accounts.
What If You Receive a Scam Text or Call?
If you receive a suspicious text, don't respond or click any links. You can forward spam texts to 7726 (SPAM) and report scams to the FTC at ReportFraud.ftc.gov (opens in a new tab).
If you believe your Members 1st account or card may be affected, contact us right away. We're here to help.
Remember: Scammers want you to act fast. Take your time, verify the request and trust your instincts.
