Protect Yourself from New Year Scams: Fraud Prevention Tips for 2025

(2 Minute Read) — The New Year is a time for fresh starts, but unfortunately, it’s also a season when scammers ramp up their efforts. Protecting your financial security should be at the top of your resolutions. At Unitus Community Credit Union, we’re committed to helping you recognize and avoid common scams in 2025 to ensure a safe and secure year. 

Spotting Common New Year Scams in 2025 

Fraudsters use creative tactics to exploit seasonal trends. Here are some common scams to watch out for: 

• Fake New Year Promotions: Be cautious of emails or social media ads offering “exclusive” giveaways or deals. These often require you to share personal or financial information. 

• Phishing Emails: Scammers may pose as trusted brands or even someone from Unitus, asking for account details. Look for signs of phishing, such as poor grammar or urgent language. 

• Tax Season Scams: As tax deadlines approach, fake IRS representatives or fraudulent tax preparers may target you to steal sensitive information. 

Fraud Prevention Tips to Secure Your Finances 

Avoid becoming a victim with these online banking security and fraud prevention tips: 

1. Verify Sources: Always double-check email senders and website URLs before clicking on links or entering your details. 

2. Monitor Your Accounts: Set up alerts through digital banking or the Unitus mobile app to keep track of account activity. 

3. Use Strong Passwords: Set unique, complex passwords for your Unitus accounts and enable two-factor authentication for added security. 

4. Avoid Sharing Personal Details: Be skeptical of unsolicited messages or calls asking for sensitive information. 

How Unitus Community Credit Union Protects You 

At Unitus, we prioritize your financial security and offer tools to help safeguard your accounts: 

• Fraud Monitoring: We keep a close watch on suspicious activity to keep fraudsters out of your accounts. 

• Secure Digital Banking: With robust encryption and card control features, you can bank confidently. 

• Educational Resources: Visit our Security Page to learn how to protect yourself from fraud. 

What to Do if You Spot Fraud 

If you notice suspicious activity on any Unitus account, credit card or debit card, we are here to help. Contact us immediately using a method below: 

• Visit our Virtual Branch to live chat or video chat instantly. 

• Call us at 503-227-5571 or 1-800-452-0900 to get help from a Member Service Specialist.

• To report a lost or stolen debit or credit card after business hours, call 503-227-8315 or 1-800-422-3132 (option 2). 

• We also encourage you to file a complaint with the Federal Trade Commission (FTC), the U.S. government agency tasked with investigating deceptive or unfair business practices. This will help protect other innocent people from fraud. 

Stay Ahead of Scammers in 2025 

Protecting yourself from scams is easier when you’re informed and proactive. By following these fraud prevention tips and taking advantage of the tools offered by Unitus Community Credit Union, you can enjoy financial security all year long. 

For more information on avoiding scams and improving your online banking security, visit consumer.gov.