How to Avoid a Scam: 5 Essential Steps to Protect Yourself

1. Block Unwanted Calls and Text Messages

One of the most common tactics scammers use is impersonation. They may claim to represent government agencies like the IRS, Social Security Administration, or Medicare, or pose as trusted businesses, charities, or utilities. These fraudsters often manipulate caller ID to display fake names and numbers, making it seem legitimate.

To minimize risk:

• Use tools provided by your phone carrier or third-party apps to block unwanted calls and messages.
• Be cautious of unsolicited communication, even if it seems familiar.

2. Protect Personal and Financial Information

Scammers thrive on obtaining sensitive information through deception. Whether they claim you owe money, have won a prize, or face an urgent issue, their goal is the same: to access your details.

Here’s how to avoid their traps:

• Never share personal or financial information in response to an unexpected request.
• Verify the legitimacy of any claims by contacting the organization directly using official channels.

3. Resist the Pressure to Act Immediately

Scammers rely on urgency to cloud your judgment. They might demand immediate action, threaten legal consequences, or warn of impending disaster. This pressure is designed to prevent you from thinking critically.

Stay safe by:

• Taking a moment to breathe and assess the situation.
• Refusing to make hasty decisions, no matter how alarming their claims may seem.

4. Recognize Suspicious Payment Requests

Fraudsters often demand payment through unconventional and hard-to-trace methods like cryptocurrency, gift cards, or wire transfers. These requests are major red flags.

Protect yourself by:

• Questioning any payment request that feels unusual or overly complicated.
• Refusing to share gift card numbers or send money through untraceable means.

5. Talk to Someone You Trust

Scammers count on their victims feeling isolated and uncertain. Breaking their spell is often as simple as confiding in someone you trust.

Here’s why it helps:

• Explaining the situation out loud can help you see inconsistencies in their story.
• Friends, family, or neighbors can provide valuable advice or reassurance.

Empower Yourself Against Scams

Scammers prey on fear and confusion, but with the right knowledge and habits, you can protect yourself and your finances. By blocking unwanted calls, safeguarding your personal information, resisting high-pressure tactics, recognizing suspicious payment methods, and seeking trusted advice, you can stay one step ahead.

Your security matters, and we’re here to help. If you ever suspect fraudulent activity, don’t hesitate to reach out to the First Bank customer support center at 1-866-792-4357. Together, we can ensure your financial safety.