The holiday season is officially here, which means great deals, busy stores, packed online carts… and unfortunately, more opportunities for scammers. Each year, fraud attempts spike during Black Friday and Cyber Monday as criminals take advantage of distracted shoppers and the rush for doorbuster deals.
At Unison Credit Union, your security is our priority. Here’s a look at the most common scams we’re seeing right now and how you can stay safe while shopping this season.
1. Text Message “Alerts”
At Unison Credit Union, your security is our priority. Here’s a look at the most common scams we’re seeing right now and how you can stay safe while shopping this season.
1. Text Message “Alerts”
Scammers often send text messages claiming:
• There’s suspicious activity on your account
• Your card is locked
• You need to verify a purchase
• There’s suspicious activity on your account
• Your card is locked
• You need to verify a purchase
These texts include a link that looks like online banking — but it’s a fake site designed to steal your login information. Once scammers have access, they can take over your account in minutes.
Unison will NEVER text you a link asking you to log in or provide personal information.
2. AI-Generated Voice Scams
Thanks to artificial intelligence, scammers can now mimic the voice of a loved one.
You might get a call from someone who sounds like a family member claiming:
• They’re in trouble
• They need money urgently
• They need personal information
This scam plays on emotion and panic — and it’s becoming more convincing.
3. Fake Online Shopping Sites
Scammers create websites that look like popular retailers and advertise amazing deals. The catch?
Once you pay:
• The item never ships, or
• You receive a low-quality knockoff that looks nothing like the photos
These sites often disappear within days, making refunds impossible.
4. Social Media “Flash Sale” Scams
Sponsored ads and marketplace listings pop up promising:
• Brand-name items for a fraction of the price
• Unrealistic discounts
• “Too good to be true” bundles
Criminals use stolen product photos to lure shoppers in — and then vanish with your payment.
How to Protect Yourself This Holiday Season
✔ Pause before responding
Scammers rely on pressure and urgency.
If something feels “off,” end the conversation and verify the source.
✔ Never share personal information
Unison will never ask for your:
• Online banking username or password
• Social Security number
• Debit card PIN
✔ Don’t trust unexpected links
Instead of clicking:
• Go directly to the official website
• Or call us using a known, trusted number
✔ Be wary of unusual payment requests
Fraudsters often ask for:
• Gift cards
• Wire transfers
• Payment apps
These methods offer no fraud protection.
✔ Verify before you buy
Stick with:
• Trusted retailers
• Known websites
• Verified marketplace sellers
If the price feels impossible… it probably is.
If You’re Ever Unsure — Call Us
Your safety matters. If you receive a suspicious call, text, or email, hang up and contact us directly at 920.766.6000. Our team is always here to help you protect your money and your peace of mind.
