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Welcome To The Insighter!

Explore the latest happenings at Kirtland CU and learn about important topics from around the financial world. Here’s your insight! To learn about retirements, investments and financial planning, check out Invested now.

The Most Common Lies Scammers Use

By K-Staff

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Scammers manipulate emotions like fear, panic, or excitement to make you bypass your financial institutions’ normal security warnings.

"Your bank account is compromised – move your money to protect it."

The Tactic: Scammers use technology to spoof your bank’s real phone number. They pretend to be from the fraud department and claim your account is under attack.

The Ask: They will instruct you to transfer your money immediately into a “new, safe, government-backed account” or even tell you to “Zelle money to yourself” to reverse a fraudulent charge. In reality, you are sending money straight to the criminal’s account.

"You or your financial institution are under investigation – deposit cash into a crypto ATM."

The Tactic: Imposters pretend to be from the FBI, IRS, Social Security Administration, or local law enforcement. They claim your identity has been stolen or linked to a crime or need your help with an investigation.

The Ask: To avoid immediate arrest or to protect your assets from being frozen, they tell you to withdraw physical cash from your bank and drive to a Cryptocurrency ATM to deposit it into a “secure government wallet” via the QR code they provide.

"Pay the processing fees with gift cards."

The Tactic: These occur in fake lottery, sweepstakes, or overpayment scams. You are told you won a massive prize or are sent a fraudulent check that looks real.

The Ask: They ask you to go to a retail store, buy high-value gift cards (like Apple, Google Play, or Target), and read the numbers on the back to cover “taxes” or “fees”. Once they have the codes, the money is gone instantly.

"Process these payments as part of your new job."

The Tactic: Known as a Money Mule Scam, criminals recruit people through fake online job postings, romance apps, or get-rich-quick schemes.

The Ask: They will deposit money or fake checks into your account and ask you to forward a portion of those funds to a “client” or “supplier” via wire transfer, Cash App, or Western Union. When the original deposit bounces a few days later, you are left responsible for the stolen funds.

"You're approved! Loan application scam."

The Tactic: Scammers use high-pressure language, create a false sense of urgency, or impersonate legitimate financial institutions using spoofed phone numbers and official-looking logos

The Ask: They demand upfront payment for “processing fees” or “insurance,” or they request sensitive personal information like your Social Security number, banking details, and online login credentials.

Critical Red Flags to Watch For

Demands for Secrecy: 

The caller will explicitly tell you to stay on the phone with them while you go to the bank and instruct you to lie to the bank teller if they ask why, you are withdrawing or moving money.

One-Time Passcode Requests: 

They will ask you to read back a verification code sent to your phone. Never share this code. Banks use these to verify your identity; giving it away allows the scammer to log into your account and drain it.

Extreme Urgency: 

They will threaten that your money will be lost forever or that the police will arrive if you hang up the phone.

How to Protect Yourself

If you receive an unexpected call, text, or email claiming your money is unsafe:

  1. Do not provide account or personal information.
  2. Hang up immediately. Do not use any phone number provided by the caller
  3. Call your bank directly using the trusted number printed on the back of your debit/credit card or your official monthly statement.


Remember the golden rule: Your money is perfectly safe where it is. Anyone telling you to move it to “protect it” is a scammer.

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