1. The “Phishing,” “Smishing,” and “Vishing” Trio

These are just fancy names for the same con in different forms:

• Phishing – fake emails that look like they’re from your bank or a familiar company.
   
• Smishing – the same trick, but sent as a text message.
   
• Vishing – a voice call from someone pretending to be an official or representative.

Scammers use fear and urgency to get you to click a link, call a number, or share information like your password, PIN, or Social Security number.

What to do:
If you didn’t expect the message - delete it or hang up. Never click on links or open attachments from unknown senders. When in doubt, contact the company directly using a verified phone number or website. Remember: GBC Bank will never call, email, or text you asking for login credentials or one-time security codes.

2. Fake Check and Deposit Scams

A scammer sends you a check that looks legitimate - maybe for a new job, a prize, or an item you sold online - and asks you to send some of the money back. The catch? The check is fake. When it bounces days later, the money you sent is gone, and you’re responsible for the full amount.

Red flags:

• The check amount is higher than expected.
   
• The sender pressures you to return a portion right away.
   
• You’re asked to send funds through gift cards, cryptocurrency, or wire transfers.

If you receive a check from someone you don’t know, don’t deposit it. Ask your banker to verify it first. Once funds clear, never send money to anyone who “accidentally overpaid.”

3. Imposter Scams: When a Voice or Message Sounds Too Official

These scams rely on trust - and fear. Here are a few of the most common impersonators:

• Government Imposters (IRS, Social Security, Medicare): They may threaten arrest or fines unless you make an immediate payment. Real agencies don’t do that.
   
• Tech Support Scams: A pop-up or caller claims your computer has a virus and offers to “fix” it - but they’re really trying to access your device or bank account.
   
• Romance Scams: Someone you meet online builds a relationship, then suddenly needs money for an emergency.
  All three have one thing in common: they ask for untraceable payments (gift cards, cryptocurrency, or wire transfers). Once the money’s sent, it’s gone.

What to do:
Pause before reacting. Verify the story through official channels or with someone you trust. Never allow a stranger remote access to your device or send money to someone you haven’t met in person.

4. Red Flags in Calls, Texts, and Emails

Scammers often use similar tactics, no matter the method. Watch for these warning signs:

If you spot even one of these signs - stop, verify, and report it. Quick action can prevent lasting damage.