Learn the Signs of Common Scams

Scammers use tricks that are designed to surprise you, pressure you, or make something feel urgent. When you know what to look for, it’s much easier to stop a scam before it happens.

Phishing & Text Message Scams

What It Looks Like:

You receive a text or email that looks like it’s from your bank, a delivery company, a streaming service, or an online account.


How It Works:

The message often says there’s a problem or something urgent — like a locked account or unpaid fee. It asks you to click a link and log in.


Red Flags to Watch For:

  • Messages that create urgency (“Act now,” “Your account is locked”)
  • Links that don’t match the real website
  • Requests for logins, account numbers, or personal details


What To Do:

  • Do not click the link.
  • Go directly to the company’s website or app to check your account.
  • Delete the message or report it as spam.

Imposter & “Authority” Scams

What It Looks Like:

You get a call, text, or email from someone claiming to be the IRS, Social Security, your credit union, law enforcement, or a family member in trouble.


How It Works:

The scammer tries to build trust or fear — and pushes you to act quickly before you can think.


Red Flags to Watch For:

  • A caller who demands payment immediately
  • Requests for gift cards, wire transfers, or “verification codes”
  • Caller ID that looks legitimate — scammers can fake it


What To Do:

  • Hang up.
  • Call the real organization using a phone number you trust.

Toll Scams

What It Looks Like:

You get a text saying you owe a toll, parking ticket, or driving violation — with a link to “pay now and avoid penalties.”


How It Works:

The scammer wants your debit/credit card number or online banking login.


Important:

Kansas does not send toll payment requests by text message.


Red Flags to Watch For:

  • Messages with vague details (“you missed a toll on 10/14”)
  • Fake or shortened website links
  • Threats of late fees or license suspension


What To Do:

  • Do not click the link.
  • If you're unsure, contact the Kansas Turnpike Authority directly.

Online Shopping & Marketplace Scams

What It Looks Like:

You’re buying or selling on Facebook Marketplace, Craigslist, or a resale app — and something seems “off.”


How It Works:

Scammers use fake profiles, fake payment confirmations, and try to move communication off the platform.


Red Flags to Watch For:

  • Someone insists on paying with gift cards, payment apps, or “overpaying”
  • A seller who won’t provide additional photos
  • A buyer who is pushy or won’t meet in person


What To Do:

  • Only use built-in platform messaging
  • Meet in public locations or police safe spots
  • Avoid sending money before seeing the item

Card Skimming & ATM Fraud

What It Looks Like:

Scammers sometimes attach small, hidden devices to ATMs or card readers. These devices can steal your card number when you insert or swipe your card.


How It Works:

The skimming device captures your card information, and sometimes a tiny camera records your PIN. The scammers then use your card number to make unauthorized withdrawals or purchases.


Red Flags to Watch For:

  • An ATM or card reader that looks loose, damaged, or “chunky”
  • A keypad that feels raised, spongy, or thicker than usual
  • Outdoor ATMs, standalone ATMs, or gas pump card readers that are not frequently monitored


What To Do:

  • Use ATMs located inside your credit union whenever possible.
  • Gently tug the card slot before inserting your card. If it feels loose or moves, don’t use it.
  • Cover the keypad with your hand when entering your PIN to block hidden cameras.

Elder & Caregiver Targeting

What It Looks Like:

Scammers call, text, email, or visit older adults directly — often sounding friendly, compassionate, or helpful.


How It Works:

They slowly gain trust, then request money, access to accounts, or personal information.


Red Flags to Watch For:

  • Sudden new “friends” or helpers
  • Requests to keep conversations secret
  • Pressure to act quickly


What To Do:

  • Encourage regular communication with family or caregivers
  • Review financial statements together
  • Call the credit union at the first sign of pressure or confusionHow It Works:

How to Protect Yourself - Three Core Rules

01.

Pause Before You Act

Scammers create urgency — slow the moment down.

02.

Verify the Source

Call the company or person using a trusted phone number, not the one that contacted you.

03.

Never Click Unexpected Links

Most text-based scams start with a suspicious link.

  • What is the Fight the Fraud campaign?

    Fight the Fraud is a statewide education initiative focused on helping Kansans recognize, avoid, and report scams. The campaign provides clear, practical information to help protect your finances, your identity, and your peace of mind.

  • Who is leading this campaign?

    Fight the Fraud is organized by the Kansas Credit Union Association in partnership with credit unions across Kansas. Credit unions have a long history of helping their members stay financially secure, and this campaign is part of that mission to support and strengthen our communities.

  • How can I tell if a message is a scam?

    Scammers often try to rush you or make something feel urgent — like a late bill, a missed package, or a family emergency. If the message asks you to click a link, share personal information, or send money quickly, pause and verify using a phone number or website you trust.

  • What should I do if I think I’ve been targeted?

    Stop communication immediately — don’t reply, click links, or send money. Then contact your credit union right away. They can help secure your accounts, check for unauthorized activity, and guide you through what to do next. 

  • How can I stay ahead of new scams?

    The best protection is awareness. Visit our website for current scam examples, prevention tips, and reporting steps.