How to Protect Yourself From Fraud and Online Scams

Online scams are becoming more common — and more convincing. With digital payments, email, social media, and online shopping becoming part of daily life, it’s easier than ever for scammers to find new ways to trick people. The good news is that a few simple habits can dramatically reduce your risk. Staying safe online doesn’t require advanced tech skills — just awareness and small safeguards you can build into your routine.

Recognize the Most Common Types of Scams

Scammers use patterns that repeat again and again. When you can spot the signs, you’re far less likely to fall for them.
Common scams include:

• Phishing emails or texts pretending to be banks, delivery companies, or government services

• Fake online stores offering big discounts or unrealistic prices

• Social media impersonation, including fake accounts pretending to be friends, family, or influencers

• Investment scams promising quick, guaranteed returns

• Account takeover attempts, where scammers try to access your login details
  Most scams rely on urgency, fear, or excitement to get you to act without thinking.

Never Click on Unknown Links

One of the easiest ways scammers access your information is through links sent by text, email, or direct message. If you didn’t expect the message or you’re unsure who sent it, do not click.
Instead:

• Visit the company’s website directly

• Log in through your app, not the message

• Delete the message if it feels suspicious
  A few seconds of caution can prevent a major problem.