Your Action Plan to Protect Yourself From Scams
Scammers are becoming more convincing — and more aggressive — every day. From fake bank alerts and government impersonators to family emergency schemes and online phishing scams, fraudsters rely on fear, urgency and trust to steal your money.
The good news? You can protect yourself by following a simple action plan. These steps help reduce risk, stop scams faster and give you confidence when something doesn’t feel right.
Step 1: Slow Down and Spot the Red Flags
Most scams start with an unexpected call, text, email, or message. Be cautious if someone:
- Creates urgency or pressure to act immediately
- Asks for secrecy — “Don’t tell anyone”
- Requests passwords, PINs, or verification codes
- Tells you to move or send money quickly
- Threatens arrest, account closure, or legal action
If it feels rushed, alarming, or unusual — pause. That pause can stop a scam.
Step 2: Never Share Sensitive Information
Azura will never ask for:
- Your online banking password
- Your debit card PIN
- One-time verification codes
- Full Social Security number
Never share personal or financial information with someone who contacts you unexpectedly — even if they sound legitimate.
Step 3: Verify Before You Trust
If someone claims to be from your bank, a company, or the government:
- Hang up
- Look up the official number
- Call them directly
Do not use phone numbers, links or email addresses provided in the message.
Step 4: Use Safe Payment Practices
Scammers often ask for payment using:
- Gift cards
- Wire transfers
- Cryptocurrency
- Payment apps
These payment methods are difficult to reverse and are common in fraud. Only send money to people and businesses you know and trust.
Step 5: Monitor Your Accounts Regularly
Check your bank and credit card statements often and review transactions through online or mobile banking. Early detection makes recovery more likely.
Step 6: Add Extra Layers of Protection
- Use strong, unique passwords
- Enable multi-factor authentication
- Keep devices updated
- Add a Trusted Contact Person to your account
These tools help protect your finances even if your information is compromised.
Step 7: Act Fast If You Suspect a Scam
If you think you’ve been targeted or shared information:
- Contact Azura Credit Union at 800-432-2470
- Change your passwords
- Monitor your accounts closely
- File a police report if money was lost
- Report the scam at FTC.gov
Scammers rely on urgency and confusion — but awareness and action stop fraud. If something doesn’t feel right, trust your instincts and reach out. We’re here to help.