Fraud-Prevention Fridays

Fraud Prevention Friday: December 19 Tip— Is that really your friend emailing you?

🛡️ Your email address is worth more than you think. In fact, to a hacker, it’s a goldmine. With just your email, a scammer can impersonate YOU to ask your friends and family for money or send them malicious links. On the flipside, you may be the recipient of their hijacked email address.

If an email from a friend or loved one seems "off" or out of character—STOP. 🛑

✨Don’t click the link.
✨Don’t use the contact info in the email.
✨Call them directly to verify.

What you can do to stay safe:
✅ The 12-Character Rule: Use passwords that are at least 12 characters long with a mix of symbols, numbers, and cases.
✅ Check your 2FA: Two-factor authentication isn't perfect, but it’s a massive roadblock for hackers.
✅ Log out/Log in: If you suspect a breach, log out of all sessions and change your password immediately.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: December 12—Don't Get Grinched! Top Holiday Scams You Need to Know.

🛡️ Safely past Thanksgiving, they’re out there waiting. Right now, the scammers are looking to ruin this holiday season of gifting for their own benefit. Whether online or in person, these greedy grinches are after what they can grab using tried and tested methods. AI is also helping scammers appear more legitimate. Some of the top scams are listed below to help you have a scam-free holiday season.

Phony Shipping Notices

Whether you’re expecting a delivery or not, scammers will alert you via phone, email, or text there’s a package on the way or you missed a delivery. They’ll claim to be from FedEx, the post office, or other package delivery service sending you a link to track the fake delivery. The links lead to a spoofed website or they can download malware. Some ask for a credit card number or other PII for the bogus delivery.

✅ TIPS: Don’t click on any links and go to the true delivery service or merchant website to see if there’s really a package delivery needing your help. Don’t provide your PII or payment information when asked, it’s a sign something isn’t quite right.

Missing Packages

Porch Pirates are out in full force looking for package deliveries left on doorsteps and other obvious places. They love driving around neighborhoods looking for unattended deliveries. It’s free stuff for these grinch-pirates but it’s a headache for you when you’re not at home. Getting stolen merchandise replaced or refunded can take time you don’t have for the gift-giving season.

✅ TIPS: Instruct deliveries to a side or back door when possible or send to a friend or neighbor you know will be home. Home security cameras catch Porch Pirates in the act for law enforcement. Package tracking using the legitimate delivery service website can help with delivery days and times to be on the lookout. Use delivery options like Amazon’s Key or Hub Lockers or pick up the item from the merchant when possible.

Fake Order Notices

Emails arrive about a purchase you’ve made from a retailer or third-party payment like PayPal, to verify your order. The purchase amount is enough to make you panic, and you’ll want to resolve the matter quickly. The email includes a link or phone number to dispute the order, and scammers know you’ll likely follow it. The link can go to a spoofed website to steal your PII, or it will outright ask for your payment card and login information so the scammer can go a shopping spree.

✅ TIPS: Don’t follow links or provide sensitive information. Instead, go directly to the merchant’s true website and make inquiries from there. Check your payment card for unauthorized charges. If there isn’t anything in either of those locations, it’s likely a scam.

Sob-sters & Fake Relatives

Appeals for donations including with GoFundMe can be bogus, so if you’re giving this holiday season, stick with well-known or local charities. Calls from a family member asking for a money wire to get out of jail, for instance, call a family member to confirm it’s legit. Emails with similar scenarios, especially asking for money via gift cards, is the sign of a true scam.

✅ TIPS: Call and verify! Contact the recipient of the donation. For family—call another family member to verify the story before sending a dime.

Content provided by Stickley on Security.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: December 5 Tip— Is Your Phone Safe at the Gate?

Before your next flight, take this crucial step to safeguard your finances. The Transportation Security Administration (TSA) has issued a warning about “juice jacking,” where hackers install malware on public USB charging ports in airports and other travel hubs. Plugging your phone or device directly into these ports can compromise your sensitive data, including banking information and passwords.

Here’s how to protect yourself:

✅ Bring Your Own Power: Always travel with a fully charged, TSA-compliant battery pack (power brick) so you don’t need to rely on public charging stations.

✅ Use Charging-Only Cables: If you must use a public USB port, use a charging-only cable. These cables allow power to flow but block any data transfer, keeping your information safe.

✅ Be Cautious with Wi-Fi: Avoid connecting to free public Wi-Fi networks, especially if you plan to make purchases or access sensitive accounts. Hackers often exploit unsecured networks to steal personal information.

Protect your journey and your savings by taking these simple precautions every time you travel.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: November 21 Tip—The $3.4 Billion Trap for Retirees. The 3 Scams Targeting Your Retirement.

🛡️ Is Your Retirement Fund Safe?

The FBI just reported a truly alarming statistic: U.S. retirees (aged 60+) lost over $3.4 BILLION to scammers last year—an 11% increase! This isn't just about a few bad emails; it's a massive, coordinated attack on financial stability.

Scammers are heartless. They use urgent "Phishing" messages impersonating your financial institution or the government to steal your Social Security number, or they lure you with "Not-So-Great Investments" promising massive, guaranteed returns. Even quick Pension Payout Promises often hide insane fees that quickly drain your savings.

Scammers thrive on urgency and trust. They want your PII (Personally Identifiable Information) and they use three key plays:

✨ Phishing: Fake emails demanding an "urgent response" to steal your info.

✨ "Great" Investments: Low-risk, high-return pitches that are completely fake.

✨ Pension Advance Promises: Quick cash now, but with crippling fees later.

Mid Oregon's Top 3 Anti-Scam Rules:

✅ SKEPTICISM FIRST: Approach every unsolicited money opportunity with suspicion.

✅ RESEARCH ALWAYS: You must verify the legitimacy of an investment. If you can’t, it’s a scam.

✅ ASK A FRIEND: Get a second opinion from a family member or your trusted financial advisor at Mid Oregon Credit Union.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

#FraudPreventionFriday #ScamAwareness #FinancialSafety #ProtectYourself #FraudEducation #ScamAlert #StaySafeOnline #CyberSecurityTips #FraudAwareness

Fraud Prevention Friday: November 14 Tip— Did You Just Confirm Your Email for Hackers? The Hidden Risk of Clicking 'Unsubscribe'

🛡️ In an evolving threat landscape, the latest tactic being deployed by scammers is leveraging the common desire to clear inbox clutter. We are seeing a significant rise in phishing scams where the "Unsubscribe" button is a malicious link.

The Critical Risk:

✅ Clicking the bogus link often redirects users to a fraudulent "opt-out" page that immediately installs info-stealing malware. This is a direct pipeline for hackers to harvest PII, passwords, and corporate credentials, leading to potential Account Takeovers (ATOs) and organizational financial theft.

✅ The Data: DNSFilter analysis indicates that a notable number—more than 1 in 644—of subscription links are leading to malicious websites. Furthermore, the simple act of clicking confirms your email is active and engaged, flagging you for future, more targeted phishing campaigns.

Mid Oregon tips to safety:

✅ Stop and Think: Adopt a "Verify, Don't Click" policy. Question the safety of any unexpected link, even from a known sender.

✅ Zero-Tolerance Policy: Treat any email using panic or extreme urgency as highly suspicious.

✅ Default Action: Delete. Never engage with a suspicious "unsubscribe" link. Deleting the email is the only safe option.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Content provided by Stickley on Security.

Fraud Prevention Friday: November 7 Tip— New Report Finds Email Phishing is Out of Control

A new study shows email phishing is an even bigger threat than we realized. According to Barracuda’s 2025 Email Threats Report, phishing attacks are now more aggressive and widespread than ever—making everyone with an email account a potential target.

The Alarming Numbers
• One in four emails today is malicious or spam.
• The average user receives 121 emails per day—about 30 of which are malicious.
• Nearly 25% of all HTML attachments are weaponized.
• 83% of malicious Microsoft 365 documents contain QR codes linked to phishing sites.
• 68% of PDF attachments are malicious, often using QR codes to lure victims.

Why It Matters Phishing isn’t just a nuisance—it’s a serious security risk. Attackers use phishing emails to steal passwords, 2FA codes, personal information, financial account details, and even take over accounts or identities. Malware and malicious links are often hidden in these deceptive messages.

Stay Vigilant With the “Battle of the Inbox” intensifying, it’s crucial to stay alert. Microsoft Outlook and Google Gmail are ramping up security, but no one is immune to these evolving threats. The key takeaway from Barracuda’s report: Be prepared. The bad actors are targeting all of us, so extra caution with every email is more important than ever.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: October 31 Tip— Ghost Tapping Scam is Here. Protect Your Contactless Payments.

🛡️ Important Financial Security Alert: Watch Out for "Ghost Tapping"!

The convenience of tapping to pay is being exploited by a clever, fast-moving fraud tactic called Ghost Tapping, and the Better Business Bureau (BBB) is sounding the alarm. This isn't just a clever scam—it preys on your trust and distraction.

Here’s the breakdown of how it works:

Scammers use wireless devices or fake payment terminals near you in busy areas (like concerts, markets, or on the bus) to read your card’s near field technology. They may even pose as a vendor, ask you to "just tap" for a small amount, and either charge you a much larger sum than displayed or make a tiny charge to "test" your card for a bigger hit later. Because it's contactless, you may not realize you've been hit until odd activity shows up days later.

How Mid Oregon Members Can Prevent Ghost Tapping:

✅ Stay Vigilant: In crowded public spots, be aware of who is close to your wallet or phone.

✅ Verify Everything: Before tapping, ALWAYS stop and confirm the merchant name and the total dollar amount on the terminal. Do not let anyone rush this step.

✅ Invest in Protection: Consider using an RFID-blocking carrier or sleeve to interrupt unauthorized wireless reads.

✅ Be a Hawk: Set up instant transaction alerts on your Mid Oregon accounts. If your card is ghost-tapped, you’ll know instantly.

✅ When in Doubt: If you feel uneasy about a vendor or terminal, choose to swipe or insert your card instead of tapping.

If you spot odd activity, contact Mid Oregon immediately. We are here to help protect your accounts. You should also report the incident to the BBB's Scam Tracker tool.

SHARE this post to help protect your friends and family!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: October 24 Tip— he 10 Most Common 4-Digit PINs: Is Yours One of Them?

🛡️By now, it’s common knowledge that anything to do with your online security that’s easy-to-guess presents personal security risks. One of those risks involves using a 4-digit PIN code for your smartphone, additional devices, ATM accounts, and payment cards. Commonly used PINs make it easy for you to remember but they also make it easy for hackers to guess.

Below are 10 of the most common 4-digit PIN codes cybercriminals try first, so take a look and see if yours is on the list.

1. 1234
2. 1111
3. 0000
4. 1342
5. 1212
6. 2222
7. 4444
8. 1122
9. 1986
10. 2020

Practicing Healthy PINs

Whether your PIN is on the list or you’re about to create a new one, there’s a commonsense approach similar to creating a secure password. Simple passwords risk hacked accounts, but so too do common PINs. Here are a few tips to ponder creating a healthy and secure PIN.

✅Be unpredictable. PIN numbers making straight lines and other basic patterns are also easily guessed.

✅Make it random. Never create a PIN from meaningful personal or family dates, especially if they’re posted on your social media accounts (which you should avoid doing). Cyber criminals troll these sites looking for birthdates and other info translating to a 4-digit PIN.

✅Change it up. Like passwords, changing PIN codes periodically can thwart a criminal who has access to your PIN by cracking it or from a data breach. Regularly changing your PIN can lock someone out who has your previous PIN—before they have a chance to use it.

✅Refuse to reuse. Reusing a PIN for more than one device or account is something you don’t want to regret later. Make each PIN unique and limit the damage a criminal can do.

✅Choose longer PINS. Whenever there’s an option to use a longer PIN, like six numbers instead of four, take it. A longer PIN can be harder to guess, much like longer passwords have added security.

Applying a commonsense approach choosing a 4-digit PIN that you would creating a strong and unique password makes a hacker’s job more difficult—and who wouldn’t want to do that?

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: October 17 Tip— Venmo, PayPal, Zelle: Are They Safe? Tips to Keep You Safe in the World of P2P.

🛡️ With popular P2P apps like PayPal, Venmo, and Zelle, it's essential to prioritize your security. While these apps use encryption, scammers are always on the lookout to trick users. Here are some tips to protect yourself:

1️⃣ Use a Payment Card: Whenever possible, use a card instead of linking your bank account directly.

2️⃣ Beware of Scams: Be cautious of fake texts or calls that claim to be from your bank asking for personal information. Always verify directly with your financial institution.

3️⃣ Don’t Fall for Overpayment Scams: If someone overpays for an item you're selling, don't refund to a different account. This is a classic scam.

4️⃣ Be Skeptical of “Pay Yourself” Requests: If someone claims your account is compromised and tells you to send money to yourself, it’s a scam.

5️⃣ Watch for Giveaway Scams: If you receive a message saying you've won but need to pay a fee, it’s likely a scam.

6️⃣ Don't Click Links in Password Reset Emails: Always go directly to the app or website to change your password if needed.

🔍 Always think before you click. If you suspect fraud, contact the app and your financial institution immediately. Stay vigilant and protect your funds!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

#FraudPreventionFriday #ScamAwareness #FinancialSafety #ProtectYourself #FraudEducation #ScamAlert #StaySafeOnline #CyberSecurityTips #FraudAwareness

Fraud Prevention Friday: October 10 Tip— Random Verification Code? Tips to Protect Your Account

🛑 STOP SCROLLING! Did you just get a random verification code text you didn't ask for? Before you ignore it, you need to know this.

That unexpected code isn't just a glitch—it's a massive warning sign that someone is trying to sneak into your accounts.

But don't panic—here are some tips to protect your money and identity (and NEVER click the link!):

✅ Independently Login: Go straight to the website (type the URL yourself or use a bookmark) for the account the code is from.

✅ Change Your Password: Make it long, strong, and unique.

✅ Financial Alert: If the code is from your bank or credit union, check your account balance IMMEDIATELY. Then, call them using a trusted number from their official site if anything looks suspicious.

We know online security can be a hassle, but falling for a scam can cost you BIG. Stay cautious, be proactive, and take control of your online security!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Information provided by Stickley on Security.

Fraud Prevention Friday: October 3 Tip— Skepticism Over Speed: Tips for Safe QR Code Scanning

🛡️ In our fast-paced digital world, QR (quick response) codes have gained immense popularity. These codes are now found everywhere, from TV screens to product packaging and websites. However, while we appreciate their convenience, cybercriminals are also taking advantage of them for malicious purposes.

To help you enjoy the benefits of QR codes safely, here are some essential security tips:

✅ Be Skeptical: Approach QR codes with the same skepticism you apply to other tech tools. Just as you verify suspicious emails and texts, you need to scrutinize QR codes as well. A compromised QR code can lead you directly to a hacker’s website, where they may steal your personal information, passwords, and money or even infect your device with malware.

✅ Examine Public QR Codes: Be cautious of QR codes found in public places. Cybercriminals may manipulate these codes by placing a malicious one over the original on posters, flyers, menus, and other materials. Check closely for any signs of tampering—look for codes that seem out of place, are oddly sized, or have unusual markings.

✅ Check the URL: When scanning a QR code that redirects you to a webpage, carefully inspect the URL for any spelling errors. Cybercriminals often create fake URLs that closely resemble legitimate ones. These “spoofed” websites aim to steal your personal information. If you encounter a spoofed banking site, for example, any data you enter could fall into the hands of criminals.

✅ Use Built-in Features When Possible: Before downloading a QR scanning app, first check if your device's camera has a built-in QR scanning feature. If you do need a separate app, only download it from official sources like the Google Play Store or the Apple App Store. Avoid third-party app stores, as they are often less secure and may contain malicious software.

✅ Consider Your Purpose for Scanning: Think carefully about why you're scanning a QR code. While scanning for quick information is generally safe, use caution if the code is linked to financial transactions or personal information. Whenever possible, type the legitimate web address directly into your browser and bookmark it for future access.

✅ Keep Your Device Updated: Regularly update your device's software and use antivirus software. Software updates fix security vulnerabilities, and antivirus programs help protect against malware. Don’t delay keeping your device secure.

In a world where a simple QR code scan can expose you to risk, practicing a security-minded approach is essential for your safety.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Information provided by Stickley on Security.

Fraud Prevention Friday: September 26 Tip— Elder Fraud on the Rise-$3.5 billion and Growing

🛡️ There’s a segment of the U.S. population particularly vulnerable to online and other scams. The 60+ year old community is under attack, and the complaints are on the rise. The FBI’s Internet Crime Complaint Center (IC3) reports last year saw an 11% rise in complaints of elder fraud over the previous year. It’s now a nearly $3.5 billion criminal scheme to defraud this at-risk group — and it’s only getting worse.

🔍 Elder Fraud by The Numbers

The 2023 IC3 Elder Fraud Report takes a deep dive into the problem at hand including the statistics behind fraud victim complaints to the agency. Some of the leading complaint categories include tech support, confidence/romance, and investment. Cryptocurrency fraud also played a significant part with financial losses, including crypto investment scams.

🔍 Why 60+ = Target

Seniors present a tempting target because many have a financial nest egg that scammers love to crack, with some victims losing their entire savings to scams. Also, seniors tend to be trusting. Remember, it’s a generation that didn’t grow up with technology and that could help explain why tech support and cryptocurrency scams are so successful. The IC3 finds there were 17,696 tech scams and 12,284 crypto scams reported.

🔍 Avoiding Elder Fraud

Elder Americans can help keep scam opportunities at a minimum or avoid them altogether. It’s safe to assume there will always be attempts, but knowing ahead of time what a scam looks like and what to do about it is invaluable.

✅ Limit personal information on Facebook and other social media and never post birthdates, special events or family names. Scammer’s troll these websites for information they can use to pull you into a scam.

✅ If you don’t recognize a phone number, don’t answer. The same goes for unknown email senders, and never open their attachments.

✅ Don’t be pressured or scared into acting. Legitimate organizations never use pressure tactics, and the IRS and other agencies will only contact you by mail.

✅ If you have been scammed, report it immediately to the FBI or IC3, local law enforcement and your financial institution. Consider putting a freeze on your credit report since it can help limit your financial liability, and regularly check your banking statements and credit reports for unusual activity.

✅ Protect your financial and other accounts by using strong passwords that are a minimum of eight characters and a mix of letters, numbers, and symbols. If you suspect an account has been breached, change your password as soon as possible and enable multifactor authentication (MFA) whenever it’s available.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: September 12 Tip— FBI Warning: Your Browser Extensions May be Stealing from You

🛡️ When the FBI releases an urgent warning to three million Chrome users, it’s time to pay attention. The alert warns malicious file conversion software, and their fake URLs, are hijacking personal information. It’s also at a time when malicious browser extensions and the hackers behind them are threatening Google Chrome users everywhere.

🔍 Convert with Caution

File conversion is a common tool used to change file formats, like changing a .pdf to a .docx file, or the reverse. The FBI says cybercriminals worldwide are creating websites hyping free file conversion services or free software downloads to convert files on your own. Their warning also finds victims are told MP3 or MP4 download might also being used. But what’s really going on is rarely known to a victim who learns their identity has been stolen—and they have no clue how it happened.

“Scraping” is a big part of this cybercrime. Scraping happens when a victim sends files for conversion and the cybercriminal on the other end scrapes them for all the sensitive PII they hold. Jim Stickley, CEO of Stickley on Security warns “Free software downloads for file conversions may work as advertised. What you don’t know is the download can install malware, take remote control of your device, monitor your financial transactions, or install ransomware. Browser vulnerabilities, like zero-day exploits, are also exploited by the crooks, so do your homework before you act.”

🔍 Be on the Lookout

Here are just a few of the 16 compromised browser extensions removed by Chrome: Adblocker for Chrome, Video Effects for YouTube and Audio Enhancer, and Super Dark Mode and Emoji Keyboard Emojis for Chrome. For a complete list, check the FBI Denver Field Office website. The Denver Office also says file scraping steals PII (Personally Identifiable Information) like Social Security numbers, date of birth, phone numbers, banking and cryptocurrency information, and passwords and email addresses are also hijacked.

The advice to Google Chrome users is stay away from using extensions whenever possible (especially those you don’t really need). If you’re not sure, shut the extensions off in Chrome and if you find you don’t need them, delete them.

Using “free” anything found online means it may have a hefty price tag. So, beware your online travels, lose extensions you don’t need, and don’t include “free” in your web searches.

As a reminder, Mid Oregon will NEVER ask for your Digital Banking credentials, PIN, SSN, full card or account numbers, or any other sensitive information. Stay safe!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Content provided by Stickley on Security.

Fraud Prevention Friday: September 5 Tip— Hi, It’s Not Me: It's a 148% Rise in Impersonation Scams

🛡️ Impersonation scams have exploded—and we’re not talking about your buddy doing a bad Elvis impression.

According to the Identity Theft Resource Center’s latest 2025 Trends in Identity report, these scams have shot up a whopping 148% and are now the most-reported identity crime. The scammers? They’re posing as your financial institution, tech support reps, and even your own family. The scary part? They’re convincing—way too convincing.

There is no shortage of examples of these, but here are a couple:

🔍In one currently circulating scam, fraudsters send texts claiming to be from Amazon, warning you that someone’s placed a suspicious charge on your account. You panic, tap the link, and BAM—they’ve got your login credentials, your payment info, and maybe even remote access to your device if you follow all the fake “security steps.”

🔍Then there’s the government impersonation twist: you get a call from someone claiming to be from the Social Security Administration, saying your number has been “linked to criminal activity.” They tell you to verify your identity—just a little birthday and SSN “for security.” And just like that, they’ve got the keys to your identity.

Impersonation scams work because they hit you where it hurts—your money, your fear, your sense of trust. And thanks to AI, these fakes are sounding smoother than ever.

Tips to thwart the fraudsters:

✅ Never click a link from a text unless you were expecting it—and even then, double-check.

✅ No legitimate agency will ever ask for your full SSN, bank login, or password by phone.

✅ Hang up. Call back using the official number—not the one they give you.

✅ If you’re made to feel rushed into a choice or the offer sounds too good to be true, you can bet it’s a scam.

Bottom line? If someone claims to be someone you trust… verify before you comply.

Content provided by Stickley on Security.

As a reminder, Mid Oregon will NEVER ask for your Digital Banking credentials, PIN, SSN, full card or account numbers, or any other sensitive information. Stay safe!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: August 29 Tip

🛡️ It’s an everyday scene.

Your phone alerts you to a new text. You pick it up and it’s a text from an unknown number that says, "Hi Mom, I lost my phone. Text me back at this number.” You’re perplexed. What do you do? Well, you stop right there. Why? That message probably isn’t from your kid. It’s part of a scam that’s been making the rounds for a while, and unfortunately, it’s still working.

A common one goes like this: “Hi mom my phone broke. Can you text me back please on this number +1XXXXXXXXX.” There are variations on the text wording, but it is usually all a similar message including a lost phone. It might also arrive via another text app, such as WhatsApp.

Here’s how it plays out: Scammers send out messages pretending to be a child who’s lost their phone and now needs help. Of course, it’s usually money they want. Once you text them back, they start the ruse. It could be any number of wants, but they try to tug at your heartstrings, asking for urgent help paying a bill or buying a new phone, and then provide payment details that go straight into the scammer’s pocket. And by the time you figure it out? They’re long gone.

So how do you protect yourself?

✅ Don’t respond right away. Call or text your child’s real number first—even if you think it's possible that the phone truly is lost.

✅ Never send money or gift cards without independently verifying who you’re really talking to. Don’t use a phone provided in a text or email unless you are 100% sure it’s legit. Frankly, if they’re asking for gift cards or crypto, it’s most likely some type of scam.

✅ Talk with your family and set up a “code word” you can use in case of real emergencies. This is also helpful for those ever-growing AI scams.

Bottom line: Scammers count on urgency and panic. Stay calm, verify everything, and don’t let a fake message break your bank account.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday—August 22 Tip: The Digital Wallet Dilemma: Are Your Payments Safe?

🛡️ Online and mobile payments are incredibly convenient, but is that convenience coming at a cost to your security? Let's take a closer look at platforms like PayPal, Venmo, and Zelle.

The bottom line is they are secure—if you use them wisely. Think of it like this: these apps are like carrying cash. Once it's gone, it's gone. So, before you click "send," make sure you're paying attention.

Tips to Stay Secure:

✅ Protect Your Passwords: Never share your login info. Use strong, unique passwords for each account, and avoid using personal details like birthdays or names.

✅ Don't Use Social Logins: It might be easy to log in with your Facebook or Google account, but this can be a huge security risk. Keep your payment accounts separate to protect your data.

✅ Go Private: On platforms like Venmo, your transactions can be public by default. Change your settings to private to keep your spending habits to yourself. You can even change your past transactions!

✅ Trust Your Gut: Only send money to people and businesses you know. While there are some safeguards against scams, there's no guarantee you'll get your money back.

✅ Clean Up Your Contacts: Regularly delete contacts you don't recognize or trust to prevent accidental payments.

✅ Don't Hoard Cash: It's safer to transfer large balances from your payment apps to your bank account. Your money is better protected there.

Your financial safety is in your hands. A little common sense goes a long way.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday—August 15 Tip: Too savvy to get scammed? Take our five-question quiz and find out!

🛡️ Fraudsters are always looking for new ways to trick you. Test your knowledge and see if you can spot the red flags.

💬 Question 1: Someone calls, claiming to be from Mid Oregon. They say they need your full account number and PIN to verify your identity. What do you do?

A. Give them the info.
B. Hang up and call Mid Oregon’s main number.
C. Tell them you'll call back later.
D. Give them your account number, but not your PIN.

✅ Answer: B. Mid Oregon will NEVER ask for your Digital Banking login credentials and passwords, PINs, SSNs, complete card numbers or any other sensitive information. Hang up and call our main number to ensure you are speaking with a real member service representative.

💬 Question 2: You get an email about a special sale from a major retailer, asking you to click a link. What's the best first step?

A. Click the link right away.
B. Reply to the email for more info.
C. Hover your mouse over the link to see the real URL.
D. Forward it to your friends.

✅ Answer: C. Hovering over the link allows you to check the URL for anything suspicious, like misspellings or a strange domain name, which are common signs of a phishing scam.

💬 Question 3: You find an online store with prices that are amazing. The website looks a bit off, and the images are blurry. What's the safest move?

A. Make a small test purchase.
B. Ignore the red flags and place a big order.
C. Close the site and look for the products on a trusted retailer's site.
D. Contact their customer service.

✅ Answer: C. Unprofessional website design, blurry images, and prices that seem too good to be true are all major red flags for a fraudulent website. It's best to close the site and shop elsewhere.

💬 Question 4: A text message says a package delivery failed, and you need to pay a small fee by clicking a link to reschedule. What's your best option?

A. Click the link and pay the fee.
B. Ignore the text.
C. Check the tracking number provided in the text message
D. Forward the text to the real delivery service.

✅ Answer: B. This is a common smishing (SMS phishing) scam. Legitimate delivery services will not typically ask for payment via a random link in a text message. If you're expecting a package, check the tracking number directly on the official website or app of the courier.

💬 Question 5: You're about to buy something online, and you notice the website's URL starts with "http://" instead of "https://". Should you proceed?

A. Yes, it's a minor difference.
B. No, the "s" means the site is secure.
C. It doesn't matter with a strong password.
D. Only if you're on a public Wi-Fi network.

✅ Answer: B. The "s" in "https" means the connection is secure and encrypted, protecting your personal and financial information. Websites starting with "http" are not secure and should be avoided for any transactions involving sensitive data.

Fraud Prevention Friday: August 8 Tip:

Back-to-school shopping is in full swing, and while you're hunting for the best deals, cybercriminals are hunting for your personal information. Don't let them turn your shopping spree into a security nightmare!

What to look for:

✅Check the URL: Before you click, hover over the link. Does it look long, messy, or just plain weird? If so, steer clear—a legitimate site will have a clean, easy-to-read URL.

✅Do Your Homework: Shopping on a site you've never heard of? Do a quick search for reviews and see if the products are sold elsewhere. If you can't find much information, it might be a red flag.

✅Watch for Pop-Ups: If you're being bombarded with pop-ups asking for payment details, close the tab immediately. This is a classic scam tactic.

✅Payment Declines: If your payment is unexpectedly declined, do not re-enter your card details. Contact your financial institution or credit card company to check for any issues. There's a scam that uses this trick to get you to input your information multiple times.

✅Blurry Images & Bad Links: Trust your instincts! If product images are blurry or if the customer service link goes nowhere, it's a huge sign that the site isn't trustworthy.

Your data is valuable, so protect it like the A+ student you are. Stay vigilant and have a safe and successful back-to-school season!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Fraud Prevention Friday: August 1 Tip:

Have you ever received an unexpected package from an unknown sender? This may indicate you’re a victim of a "brushing scam."

✨What is a Brushing Scam? Brushing scams are a form of e-commerce fraud where sellers use your personal information—like your name and address—to send unsolicited, low-value items. Their goal isn’t to make you pay but to create a fake account in your name and write fraudulent reviews for their products. These fake reviews boost their ratings and mislead legitimate buyers into thinking their items are popular and trustworthy.

✨Why should you care? Even if you don’t pay for these items, the scam signifies that your data has been compromised, making you vulnerable to identity theft and fraud.

What to look for:

🔍 Unsolicited Packages: Items you didn't order from unknown sellers.

🔍 Low-Value Items: Cheap, lightweight products like small gadgets or cheap accessories.

🔍 Lack of Documentation: No packing slips or invoices.

Tips to avoid being scammed:

✅ Report Unsolicited Packages: Inform retailers like Amazon or eBay with tracking details.

✅ Don’t Acknowledge the Item: You’re not obligated to pay or return it.

✅ Consider Changing Your Passwords: Update passwords for accounts connected to your personal data.

✅ Consider a Credit Alerts: Place a fraud alert with credit bureaus to prevent identity theft.

Stay vigilant to protect your personal information from brushing scams.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

It’s getting ugly now. The FBI is now warning about a growing scheme where scammers are pretending to be employees from its own Internet Crime Complaint Center (IC3). And they’re not just sending shady emails—they’re popping up everywhere: On social media, in forums, even on phone calls.

Here’s how it goes:

🔍 Scammers target previous victims of various scams. They claim they’ve “recovered” their stolen funds and want to get it back to them. Of course, there is a catch, and a really tricky part is that the scam varies. You just don’t know how it’s going to come.
🔍 One version has a fake “fellow victim” sliding into online support groups for previous victims, playing the sympathy card. Then comes the referral: “Contact Jaime Quin on Telegram, he’s with the IC3!” Spoiler alert—he’s not. He (or she) is a scammer looking to strike again and hijack financial information.

So how does one stay safe from this? The IC3 has tips.

✨ The IC3 will never reach out via email, phone, social media, or apps like Telegram. So, if you get such a message, it’s a scam.
✨ They don’t charge you to "get your money back."

✨ Never give out sensitive information to strangers or random people online. Know who is using ✨ your information before giving out even as much as your email address.

✨ Don’t send money, cryptocurrencies, or gift cards to anyone you haven’t met in person.

The PSA (I-041825-PSA), also warns that the scammers will change aliases and tactics, but the general scam is the same.

Stay skeptical. Stay secure. And if it smells fishy, well, it usually is a phish.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Don't fall for the feed. What's really behind that social media link?

Social media is great for connecting and sharing, but it's also a hotspot for scams. From fake giveaways to account takeovers, social media scams are designed to trick you into sharing your personal information. Staying informed is your best defense.

Key things to look for:

🔍 Fake Giveaways & Contests: Scammers offer enticing prizes, asking for personal info or "fees" to enter.
🔍 Account Takeovers: Scammers impersonate friends, seeking urgent financial help or personal info.
🔍 Clickbait Links: Sensational posts can lead to malware or phishing sites.
🔍 Phishing Attempts: Scammers may pose as trusted services to steal sensitive information.
🔍 Romance Scams: Fraudsters create fake profiles to build emotional connections before asking for money.

How to Protect Yourself:

✨ Verify Everything: Check links and offers for legitimacy.
✨ Be Skeptical: If it sounds too good to be true, it probably is.
✨ Secure Accounts: Use strong passwords and enable two-factor authentication.
✨ Guard Personal Info: Never share sensitive data through social media messages.
✨ Think Before You Click: Hover over links to check URLs.

What to Do if You Fall Victim:

✅ Contact Your Financial Institution/Credit Card Company Immediately: Report fraud.
✅ Gather Evidence: Screenshots, transaction IDs, communications.
✅ Report the Scam: File with FTC (ReportFraud.ftc.gov) and IC3 (IC3.gov).
✅ Change Passwords: Secure any compromised accounts.
✅ Warn Your Network: Inform friends and family of potential threats from your compromised account.

Stay informed and vigilant to enjoy social media safely while avoiding scams.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Your Amazon subscription just got crazy expensive. Or did it?
Amazon is warning customers of a new scam that asks you to cancel your Amazon Prime subscription or risk having it auto renewed at an unexpected price.
The fake email is actually sent out by fraudsters who are attempting to steal your Amazon login information and gain banking account access.
🔍 Key Points:
• Scam Premise: Fraudsters send fake emails claiming your Amazon Prime subscription is about to auto-renew at an unexpected price.
• Deceptive Tactics: The emails often include a "cancel subscription" button that leads to a fake Amazon login page. Scammers may even include personal information to appear legitimate.
• Goal of Scammers: To trick users into clicking links, entering Amazon login details, and unknowingly giving scammers access to banking information.
• Change Passwords: Secure any compromised payment accounts.
• Why it Matters: Fraud losses are surging, with consumers losing over $12.5 billion to scams in 2024. Scammers frequently impersonate trusted companies like Amazon due to their large customer base.
By staying vigilant and informed, you can enjoy the convenience of online shopping without falling prey to deceptive tactics. Happy (and safe) shopping!

✨ How to Protect Yourself:
• DO NOT click links in suspicious emails.
• Verify directly: To check your Prime membership status, open your Amazon mobile app or go directly to Amazon.com and navigate to "Prime" from the main menu.< br /> • Check Amazon's Message Center: Legitimate communications from Amazon will always appear in your "Message Center" under "Your Account" on the Amazon website.
• Use secure access: Always access Amazon through its official mobile app or by typing Amazon.com directly into your browser.

✅What to Do if You Fall Victim:
• Contact Your Financial Institution/Credit Card Company Immediately: Report fraud.
• Gather Evidence: Screenshots, transaction IDs, communications.
• Report the Scam: File with FTC (ReportFraud.ftc.gov) and IC3 (IC3.gov).
• Change Passwords: Secure any compromised accounts.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Online shopping is convenient but beware of fake websites and deceptive marketplace listings. These scams aim to steal your money or data. Stay safe by recognizing the warning signs.

🔍 Red Flags to Watch For:
• Unbelievable Deals: If it's too good to be true, it is.
• Poor Website Quality: Typos, blurry images, unprofessional design.
• No Contact Info/Shady Policies: Missing details or vague terms.
• Suspicious Payments: Requests for wire transfers, gift cards, or crypto.
• New Sellers, No Reviews (Marketplaces): A pop-up scam indicator.

✨ How to Protect Yourself:
• Verify URLs: Check for "https://" and the padlock.
• Research Sellers: Look for independent reviews.
• Use Secure Payments: Credit cards or PayPal offer buyer protection.
• Be Skeptical of Offers: Go directly to official sites, don't click email links.
• Monitor Statements: Watch for suspicious charges.

✅ If You Fall for a Scam:
• Contact Your Financial Institution/Credit Card Company Immediately: Report fraud.
• Gather Evidence: Screenshots, transaction IDs, communications.
• Report the Scam: File with FTC (ReportFraud.ftc.gov) and IC3 (IC3.gov).
• Change Passwords: Secure any compromised payment accounts.

By staying vigilant and informed, you can enjoy the convenience of online shopping without falling prey to deceptive tactics. Happy (and safe) shopping!

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Apple ID Under Attack? How to Avoid Fake iCloud Alerts.

Scammers are getting increasingly trickier, especially with iCloud scams. They often use urgent messages like "Payment Failure for iCloud Storage Renewal" or “Your Cloud Data is Scheduled for Deletion” to trick users into providing sensitive information, telling you that you are at risk of losing valuable information—or precious photos and videos—if you don’t heed the warnings.

So, how can you spot these iCloud scams? Here's what to look for:
🔍Check the Sender: A legitimate email from Apple will always come from an "@apple.com" or "@icloud.com" address. If it's anything else, it's a huge red flag.
🔍Look for Errors: Official communications are usually grammatically correct.
🔍Urgent Deadlines: Scammers use deadlines to pressure you into acting quickly without thinking.
🔍Verify Account Details: Does the email accurately reflect your actual iCloud information? If not, be suspicious.
🔍Hover Before You Click: Before clicking any link, hover your mouse over it (or long-press on mobile) to preview the URL. If it doesn't clearly lead to an official Apple website, don't click.

If you get a suspicious message, here's what to do:
✨Don't Click: Avoid clicking any links or downloading attachments, as they could lead to phishing sites or install malware.
✨Use Strong Antivirus Software: Good antivirus protection can help safeguard against malicious links and alert you to phishing attempts.
✨Go Directly to Apple: If an email mentions account issues, go directly to appleid.apple.com or check your device settings—don't use links in the message.
✨Update Password: If you think your account might be compromised, change your Apple ID password immediately.
✨Enable Two-Factor Authentication (2FA): This adds an extra layer of security to your Apple ID.
✨Report It: Forward suspicious emails to reportphishing@apple.com.

If you think you might have fallen victim to an iCloud scam, act fast:

✅Change your Apple ID password right away, making it strong and unique.
✅Check for unauthorized changes to your account settings or payment information.
✅Contact Apple Support directly through official channels. You can also forward the scam email to reportphishing@apple.com or abuse@icloud.com.
✅Monitor your financial accounts closely for suspicious activity. If you provided payment info, contact your financial institution immediately.
✅Consider placing a fraud alert on your credit reports and report the scam to the Federal Trade Commission (FTC) and Internet Crime Complaint Center (IC3).
✅Look into identity theft protection services that can monitor your personal information and help if it's compromised.

Remember, Apple will never ask for your personal information, passwords, or security codes via email, text, or phone call. This holds true for almost any legitimate business. If you're ever in doubt, always err on the side of caution and contact Apple directly through their official website or support channels. Staying vigilant and verifying before you act is your best defense against these evolving scams.

For more tips on protecting your personal information, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Employment scams are a serious threat. In today's job market, while exciting opportunities are available, be aware of rising scams. A scammer’s goal is to steal your money and personal information by exploiting hope and urgency.

Look out for these red flags:

✅ Too good to be true offers: High pay for little effort, no experience needed for senior roles, or instant hiring without a proper interview.
✅ Upfront payment requests: Legitimate employers will never ask you to pay for applications, training, background checks, or equipment.
✅ Unprofessional communication: Numerous typos, generic greetings, or emails from free domains (e.g., Gmail, Yahoo) instead of a company's official domain.
✅ Messaging app interviews: Be cautious if interviews are solely text-based via apps like WhatsApp.
✅ Lack of verifiable company info: Research the company; a vague online presence, no physical address, or unlisted job on their official website are red flags.
✅ Early requests for sensitive personal info: Social Security numbers or bank details are typically only requested after a formal offer is accepted, via secure channels.
✅ "Overpayment" scams: A fake check for more than needed, with instructions to wire back the "excess" funds. The check will bounce, leaving you responsible.
✅ Unsolicited job offers: Be wary of unexpected offers via text or email if you haven't applied.
✅ Pressure to act quickly: Scammers often rush you to prevent due diligence.

To protect yourself:

✨Thoroughly research the company: Visit their official website (type the URL directly), check their careers page, LinkedIn, and BBB for legitimacy.
✨Verify contact information: Independently find and use the company's official contacts to confirm the offer.
✨Never pay for a job.
✨Guard your personal and financial information: Only share sensitive data after a confirmed, legitimate job offer.
✨Be skeptical of "easy money" or work-from-home schemes that seem too good to be true.
✨Trust your instincts: If something feels off, it likely is.
✨Talk to someone you trust for a second opinion.

If you suspect a scam or have been victimized, report it immediately:

• Federal Trade Commission (FTC): ReportFraud.ftc.gov
• Better Business Bureau (BBB): BBB.org/ScamTracker
• FBI Internet Crime Complaint Center (IC3): ic3.gov
• The Job Platform: Report fraudulent listings to the website where you found them.
• If you provided personal information, visit IdentityTheft.gov.
• If you sent money, contact your bank or payment service immediately.

Education is your best defense against fraud. To learn more about protecting your personal information and finances, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

In the pursuit of financial growth, the promise of high returns with minimal risk can be incredibly enticing. However, these quick rich opportunities often lead to scams like Ponzi and pyramid schemes—deceiving investors with false assurances of safety and profit.

Common Scams:
✅ Ponzi Schemes: High returns for early investors paid with new investors’ funds, collapsing when recruitment slows.
✅ Pyramid Schemes: Participants earn by recruiting others, not through real sales, leading to losses for most.
✅ "Pump and Dump": Scammers inflate asset prices with false info, then sell at the high, leaving others with worthless investments.
✅ Fake Cryptocurrency Investments: Fraudsters create nonexistent coins or platforms, promising high returns, often disappearing with investors' money.

Warning Signs:
✨ Unsolicited investment advice from strangers.
✨ Guaranteed high returns with no risk—an investment red flag.
✨ Pressure tactics demanding quick decision making.
✨ Lack of transparency or vague strategies.
✨ Unlicensed individuals or unregistered investments.
✨ Focus on recruitment over genuine sales.
✨ Payments demanded in cryptocurrency or wire transfers, which are hard to trace.

In the world of investing, if an offer sounds too good to be true, it almost certainly is. Research, independent verification, and a healthy dose of skepticism are your best defenses against falling victim to these financially devastating scams.

To learn more about protecting your personal information and finances, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1.

Have you ever thought about the risks of online dating? It’s crazy how we’re all so connected these days. While there’s a lot of excitement in meeting new people online, there’s also a darker side to it: romance scams. These scammers know how to play on our emotions, creating fake relationships just to end up asking for money. It can break your heart…and wallet.

So, here’s how it usually goes down. Scammers often start out by reaching out to you through dating apps or even social media. They’ll spend weeks or months building a connection, making you feel incredibly special with sweet messages and grand romantic gestures. They might even claim to have high-powered jobs and live overseas, which is their way of avoiding an in-person meeting.

Watch out for those quick confessions of love—it’s a classic move called "love bombing." Scammers speed up the emotional connection to gain your trust, and before you know it, they’re spinning dreams of a future together – all without having met you face-to-face.

Then comes the gut punch—the need for money. They might fabricate emergencies like a sudden medical issue, needing travel money to finally meet up, or claiming they’re in some kind of business crisis. Each story is designed to pull at your heartstrings and make you feel urgent about helping them out. They often insist you keep it a secret, making you feel isolated from friends and family.

The emotional fallout can be massive. Victims are left feeling betrayed and embarrassed, not to mention the financial hit they take.

So, how can you protect yourself from this kind of heartache? Here are some tips:

✅ Be cautious with quick declarations of love. If someone you’ve never met is laying it on thick right away, that’s a warning sign.

✅ Never send money to someone you’ve only met online! This is the golden rule. Even if their story sounds believable, if they ask for cash—it’s likely a scam.

✅ Verify who they say they are. You can do a reverse image search on their profile picture, since many scammers use stolen photos. And if they always dodge video calls, that’s definitely a red flag.

✅ Be skeptical of their elaborate stories. If it sounds too dramatic or coincidental, it probably is.

✅ Talk it out with friends and family. Getting an outside perspective can help you see things more clearly.

✅ Trust your gut. If something feels off, it probably is.

At the end of the day, it’s essential to remember that not everyone online has good intentions. By recognizing the signs and staying vigilant, you can protect yourself, both emotionally and financially.

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys. Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Imposter scams often begin with a phone call, message, or email from someone pretending to be someone you trust—like a family member or a government official. Scammers are skilled at creating a sense of urgency to elicit strong emotional reactions, forcing you to act quickly without thinking things through.

Common Scenarios to Watch Out For:
✅The Grandparent Scam: A caller posing as your grandchild in distress, claiming they need money for bail or an emergency.
✅ Phony Government Officials: Impersonators pretending to be representatives from the IRS, Social Security, or other government bodies, threatening legal action or demands for immediate payments.
✅ Fictitious Company Representatives: Scammers may contact you, pretending to be from a company you recognize, claiming there’s an urgent issue that requires your attention and money.

To protect yourself and your loved ones, be aware of the following red flags:
🌟 Urgent, Emotional Pleas: Scammers often try to instill panic or fear to provoke hasty decisions.
🌟Unusual Payment Methods: Be cautious of requests for payment via gift cards, wire transfers, or other nontraditional methods.
🌟Threats: Legitimate organizations typically won’t threaten you with legal action or account closure to secure payment.
🌟Requests for Personal Information: Never share sensitive information unless you are completely sure of who you’re speaking with.

Strategies to help you and your family avoid falling victim to scams:
✨Verify: If you receive a suspicious call or message, hang up and contact the person or organization directly through a trusted number. Don’t use any contact information provided in the suspicious communication.
✨Slow Down: Scammers thrive on urgency. Take your time to process the information and verify it before making any decisions.
✨Educate Others: Share information about scams with your loved ones. The more people who are aware, the less likely scammers will succeed.

To learn more about protecting your personal information and finances, visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Think you are too smart to be scammed? You may be right, but in these fraud-frenzy times, whether it's you or a friend or family member—anyone can fall for a scam.

That "urgent" emails and texts about your account? Emails saying your account's locked can be scary. But before you click that link, take a deep breath. Financial institutions will never contact you out of the blue like that with such urgency.
Your move: Instead of clicking, call them directly or visit their official website or app to check your account. If there's a real issue, you'll see it there.

"You've Won!" …but you have to send money to get it. Those messages saying you've won a prize but need to pay a "small fee" to claim it? Total scam.
Your move: Just delete it and block the sender. Real prize winnings don't make you pay upfront.

Suspicious calls asking for your info? Someone calling claiming to be from us (or any financial institution) and asking for your account numbers, passwords, or PIN? Big red flag!
Your move: Just politely hang up. Then, call us directly using the number on your card or our official website. We'll be able to tell you if we actually contacted you.

Weird Link in an email, text or social media? Our fingers and thumbs are quick, but take a second before tapping on links from unknown numbers or sketchy-looking social media posts. They can lead to fake websites designed to steal your info.
Your move: If you're unsure, don't click. Go directly to the official website of the company or organization mentioned.

Feeling Pressured to Act Fast? Scammers love to create a sense of urgency so you don't have time to think. If someone's pushing you to make a decision or send money right now or face bad consequences, that's a major warning sign.
Your move: Take a step back and don’t fall for the scam. Legitimate requests will give you time to consider.

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys. Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Ever had that spine-tingling feeling like someone’s lurking around your accounts, peeking over your digital shoulder? You’re not alone.

Here are ten tips to help secure your accounts and give you peace of mind.

Use Strong Passwords: Create passwords that are at least 12 characters long, combining uppercase and lowercase letters, numbers, and special symbols. Avoid easily guessable information like birthdays or names. Consider using a password manager to generate and store complex passwords securely.

Enable Two-Factor Authentication (2FA): Activate 2FA on your accounts whenever possible. This adds an extra layer of security by requiring not just your password but also a second method of verification, such as a text message or authentication app code.

Regular Account Monitoring: Check your bank and credit account statements frequently. Look for unauthorized transactions or any unfamiliar activity. Report suspicious activity immediately.

Update Software Regularly: Keep your devices, applications, and operating systems up to date. Software updates often include security patches that protect against vulnerabilities.

Be Wary of Phishing Scams: Be cautious with emails or messages that urge you to click links or provide personal information. Always verify the sender's identity before responding or clicking on any links.

Use Secure Connections: When accessing sensitive accounts, ensure you’re on a secure Wi-Fi connection. Avoid using public Wi-Fi networks for transactions or accessing sensitive information. If you must, use a Virtual Private Network (VPN).

Log Out After Use: Always log out of your accounts when you’re finished using them, especially on shared or public devices. This helps prevent unauthorized access.

Set Up Account Alerts: Enable notifications for account activity, like login attempts or withdrawals. Alerts can help you quickly spot any unauthorized access.

Limit Personal Information Sharing: Be cautious about how much personal information you share online. The more information you provide, the easier it can be for malicious actors to guess your security questions or passwords.

Stay informed: Keep up on the latest security threats and scams so you can recognize potential risks and respond effectively.

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys. Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

That heart-pounding moment when you see an email labeled "Urgent Action Required!" or receive a call needing immediate financial info can be unsettling. Scammers use urgency to manipulate you, aiming to bypass your judgment.

Scammers thrive on creating panic to:
🌟 Overwhelm your rational thought process.
🌟 Discourage verification of their legitimacy.
🌟 Exploit fears of missing out or facing negative consequences.

Real-World Examples. Watch out for:
🔆 Compromised Account Calls: Calls asking for your security code to "verify" your identity.
🔆 Urgent Payment Emails: Emails claiming overdue payments that require immediate action.
🔆 Family Emergency Texts: Messages impersonating relatives in distress.

Stay Calm and Scam-Savvy—When confronted with urgent requests:
✓ Pause and Breathe: Take a moment before responding to anything labeled "urgent."
✓ Spot the Red Flags: Look out for phrases like “act now” or threats of immediate consequences.
✓ Don’t Share Sensitive Info: Remember, legitimate institutions won’t ask for your passwords or personal details unsolicited.
✓ Verify the Source: Contact Mid Oregon directly or check our website for any alerts or issues.
✓ Stay Grounded: Scammers often use fear or excitement to manipulate you; focus on facts.
✓ Keep Info Updated: Ensure we have your current details so we can reach you through trusted channels.
✓ Educate Your Loved Ones: Share these tips with family and friends to keep everyone safe.

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys. Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

The digital landscape is constantly evolving, and so are the tactics used by fraudsters to target you. From sophisticated phishing emails to risky QR codes, it’s crucial to stay informed.

Here’s what you need to know to protect yourself:

Be Skeptical: Unsolicited calls, texts, or emails? Think twice! Legitimate institutions will never ask for sensitive information through these channels.

Verify Everything: If it sounds suspicious, verify it! Use official contact information to confirm.

Think Before You Click: Hover over links to check the URL. If it seems fishy, don’t click!

Strengthen Your Passwords: Use unique passwords and enable Multi-Factor Authentication (MFA) for an added layer of protection.

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys. Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys.

Software updates are essential for maintaining the security and functionality of your devices. These updates often contain crucial security patches that protect against vulnerabilities and threats. Regularly updating your computer, smartphone, and other devices helps safeguard your personal information and enhances overall performance.

Here are some simple steps to ensure your devices remain secure:

1. Enable Automatic Updates: Most devices allow you to enable automatic updates. This setting ensures you receive the latest patches as soon as they are available.
2. Schedule Regular Check-Ins: If automatic updates aren’t an option, set aside time to manually check for updates. Doing this regularly can prevent security issues.
3. Stay Informed: Subscribe to security bulletins or notifications from software vendors to stay aware of any critical updates.
4. Backup Your Data: Before updating, make sure to back up your important data. In rare cases, updates may lead to unexpected issues.
5. Educate Yourself: Understanding what each update entails can help you appreciate its importance, making it easier to prioritize.

By following these steps, you can prevent potential headaches caused by security breaches and ensure that your devices function smoothly. Staying updated is a simple yet effective way to protect yourself in today's digital landscape.

Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Education is your best defense against fraud and Mid Oregon is here to provide tools and resources to help keep your digital life and finances safe from the bad guys.

In today's digital age, regularly reviewing your bank and credit card statements is essential for safeguarding against fraud. By carefully looking at these statements, you can catch unauthorized transactions early and report them promptly, minimizing potential losses.

Diligence acts as your first line of defense. Set aside time each month to check for unfamiliar charges and ensure your account balances match your records. Paying attention to your account statements is key in protecting your financial well-being. Stay proactive and informed to keep fraud at bay.

Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Mid Oregon is here to help you take proactive steps in securing your digital life and finances.

In case you’re curious, 78% of the most common passwords have the potential to be cracked in less than one second, ONE SECOND!

One of the most effective first steps you can take is to create strong, unique passwords for all of your online accounts. It's time to move away from common choices like "password123" or "qwerty" that are easily guessable. Instead, aim for complex passwords that combine upper and lowercase letters, numbers, and special characters.

Consider using a password manager to help you generate and store these secure passwords, ensuring that you don't compromise your safety by reusing the same password across multiple sites. This simple yet powerful action can significantly enhance your digital security.

Don't leave your safety to chance—empower yourself with the right resources. Stay safe. Stay alert. Your security and peace of mind matters!

Mid Oregon Blog—Tips on Creating a Strong and Unique Password: https://ow.ly/bSzM50V9XhB

Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1

Mid Oregon is here to help you take proactive steps in securing your digital life and finances.

Fraudsters are increasingly sophisticated in their tactics, but with vigilance and awareness, you can outsmart them. Always be cautious about sharing sensitive information—never divulge details such as your Social Security Number or banking information in response to unsolicited calls, emails, or messages. Scammers often pose as legitimate organizations, so take a moment to verify any request before responding.

Additionally, consider implementing security measures such as two-factor authentication and keeping your software updated to help shield yourself against fraud. Your personal and financial information is valuable, so take proactive steps to protect what is rightfully yours. Stay informed, stay cautious, and stay one step ahead of fraudsters.

Don't leave your safety to chance—empower yourself with the right resources. Stay safe. Stay alert. Your security and peace of mind matters! Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/338o50V9XEB

Mid Oregon is here to help you take proactive steps in securing your digital life and finances. Don't leave your safety to chance—empower yourself with the right resources. Stay safe. Stay alert. Your security and peace of mind matters!

As we navigate an increasingly interconnected world, it’s essential to be vigilant about sharing personal information online.

Be cautious with posts on social media and always scrutinize any "urgent" emails that land in your inbox—fraudulent messages often contain alarming language designed to provoke a quick reaction. Implementing simple yet effective changes, like enabling two-factor authentication and regularly updating your passwords, can provide substantial protection against potential threats.

Remember, it’s the little changes that can lead to significant safeguarding of your personal information and peace of mind.

Learn more about protecting your personal information and finances—visit Mid Oregon's Security and Fraud Page: https://ow.ly/hjHm50V9XE1