Fraudsters target people of all ages, but older adults are often specifically targeted because scammers believe they are more likely to trust phone calls, emails, or text messages. A few simple precautions can go a long way in protecting yourself or someone you care about.

1. Be Skeptical of Unexpected Calls, Texts, or Emails

Never provide personal or financial information to someone who contacts you unexpectedly. If you're unsure, hang up and contact the company using a phone number you know is legitimate.

2. Never Share Personal Information

Protect sensitive information like Social Security numbers, online banking credentials, account numbers, passwords, and one-time verification codes. Legitimate organizations won't ask for this information unexpectedly.

3. Watch for Common Scam Tactics

Scammers often create a sense of urgency by claiming you'll owe money, your account is locked, or a loved one needs immediate help. Pause before acting and verify the situation independently.

4. Talk Before You Send Money

If someone asks you to send money through gift cards, wire transfers, cryptocurrency, or payment apps, stop and talk to a trusted family member, friend, or your bank first.

5. Stay Informed and Stay Connected

Scam tactics change constantly. Discuss common scams with family and friends, and don't hesitate to ask questions if something doesn't seem right.

If Something Happens, Here's What to Do

If you think you've been targeted by a scam, acting quickly can help minimize the damage.

• Contact your bank immediately. We can help secure your accounts and review recent transactions.

• Change your passwords. Update passwords for online banking, email, and any affected accounts.

• Monitor your accounts. Watch for unauthorized transactions and report anything suspicious.

• Report the scam. Notify the appropriate authorities, such as local law enforcement or the Federal Trade Commission.

• Don't be embarrassed. Scammers are skilled at what they do. Reporting fraud can help protect others from becoming victims.

We're Here to Help

If you ever have questions about a suspicious phone call, email, text message, or transaction, contact State Bank Northwest before taking action. We'd much rather help you verify something than have you become the victim of a scam.

When in doubt, give us a call—we're here to help protect you and your finances.