Underst和 常见的欺诈类型 和 How to Protect Yourself

欺诈 is a broad term that refers to the act of deceiving someone for monetary gain. 在过去的几年里, fraudsters have developed a wide range of tools 和 techniques to fool us into giving them our money 和 information.

While you may have mastered the art of identifying a fraudulent phone call, there may be new ways that fraudsters are attempting to deceive us. 在他们的游戏中打败他们, we are making every effort to raise awareness of scams 和 fraud that can put you, 你的家人, 和朋友处于危险之中. In this article, you will learn expert tips to identify if a situation is a scam. 




欺诈sters can spoof phone numbers including the customer service lines for 元素, 1-  1-让它看起来像是我们在给你打电话. If you receive what feels like a questionable call with our caller ID, 请挂断电话,直接给我们回电话. 你可以随时打电话给我们.


A credit 冻结 keeps private data in your credit files from being accessed without your approval. Freezing your credit can help prevent fraudulent credit applications, even if a fraudster has information like your birthdate 和 Social Security number. You can easily un冻结 credit temporarily when you wish to apply for new credit. This is the most proactive defense against fraudsters. Here are useful links to 冻结 your credit with the major credit bureaus:

控制你的借记卡 & 信用卡

控制你的卡与卡控制. You can create custom real-time alerts for your card transactions 和 even restrict your card if it is lost or stolen. Download the Card Control app within our 元素 mobile app by selecting Card Control from the app menu or by visiting the Apple or Google Play store directly if you already have the 元素 mobile banking app. 




Learn more combating fraud from a previously live broadcast of 元素 Live on 脸谱网. 点击这里观看研讨会.



We have all heard stories of online marketplace scams, received strange credit card 和 insurance phone calls, 和 have been notified that someone is trying to login to our accounts from countries we have never visited. The more stories we hear, the better we become at identifying when we are being scammed. We’re here to share the top 5 fraud scenarios that we hear about most often, 以及我们处理这些情况的建议. 


These scams often involve a criminal advertising high-ticket items for sale at low prices online.


  • When picking up the item in person, meet at a secure location, such as a police station.
  • Do not accept anything but cash or certified funds for in-person transactions.


Criminals often embed skimming devices inside point of sale terminals to steal credit card information.


  • 刷卡前先拉动读卡器.
  • It is usually best to pay with a credit card, rather than debit, at the gas station.


欺诈sters may seek to steal your information or money on a call with a live person or through an automated texting system.


  • Confirm the call’s legitimacy before giving out any information.
  • Never fall for a call from an unidentifiable third party about a family member “in crisis."
  • Look up 和 call the published customer service number back.
  • Never click on links or give personal information in response to a text alert.


This is an attempt to obtain sensitive information such as usernames, 密码, 以及通过电子通讯提供的信用卡详情.


  • 小心链接或附件.
  • Go directly to websites that require sensitive login info, 比如你的电子邮件收件箱或哪个赌钱app比较好, 避免点击链接.


This occurs when someone uses stolen information to file a tax return, claiming a fraudulent refund.


  • 你越早报税越好.
  • Contact the IRS directly if you’ve had ID theft issues.


欺诈sters are constantly developing new technology 和 strategies. Just as we begin to underst和 their old ways of doing things, 他们发展新趋势,让我们保持警惕. 元素 is constantly researching these trends in the fraud world so that we can better support you. We don’t want to keep our findings a secret, so we are here to share them with you! 


欺诈sters take advantage of people who are looking for a job. These criminals give you a check to start working 和 set up your home office. The checks turn out to be fraudulent, 和 then you are out the money you’ve spent.

专家提示: 对于“好得难以置信”的工作机会要谨慎. 


These apps either silently install a different app than the preview in the store 和 trick the user into approving its installation, 或者应用程序将模仿零售品牌或银行, convincing the consumer to give up login or payment information.

专家提示: Watch for this type of fraud, especially near Black Friday 和 Cyber Monday.


This is the deliberate use of someone else's identity, usually as a method to gain a financial advantage or obtain credit.

专家提示: Always keep your credit frozen as the most proactive defense against fraudsters. 


有问题或需要可信的建议? 我们的信用社专家随时为您服务.  接触元素金融 在你的财务生活的各个方面提供支持. 


This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.


元素 makes protecting your identity easier by offering a variety of programs that you can enroll in. 找到适合你需要的选项.




  • 哪个赌钱app比较好 & 账单支付
  • 移动支票存款


  • 增加了元素信用卡和借记卡的安全性
  • 卡锁技术
  • 卡活动通知
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