There is a science to scams, and it may surprise you to know how sophisticated criminals can be. Unfortunately, what you don’t know about a scam can cost you plenty. Some common fraud techniques include:

  • Establishing a connection: Fraudsters want to build rapport with you, whether that’s face-to-face or online.
  • “Credibility”: Scammers go to great lengths to appear legitimate by creating fake websites, bogus emails, etc.
  • Playing on emotions: Your emotions can be used against you, by getting you to make a quick decision before you have time to think about it. Many scams include a “limited time offer” or even an urgent call for help — perhaps appearing to be from a loved one.

For information on how to protect yourself and your CEFCU accounts, go to the Security Center at More information and tips are also available from the Better Business Bureau at

Tips to Protect Yourself:

  • Don’t respond to emails, texts, or phone calls asking for personal or financial information.
  • Don’t be pressured into making quick decisions.
  • If you’re unsure about a call or email that claims to be from your financial institution, utility company, etc., call the business using a phone number you can verify independently! For example, call a phone number that’s printed on your bill/account statement or on the back of your credit card.