Think Before You Click or Share

These days, scammers are getting more creative-and more convincing. A text that looks like it’s from your credit union. An email that says your account was compromised. A link that leads to what looks like a real login page.

But if you click before you think, you could hand over sensitive information to a fraudster without even realizing it.

Let’s break down what you need to watch out for-and how to stay ahead of the scams.

Red Flag Messages: What to Look For

You might get a text or email that says something like:

• “Your account has been locked. Click here to unlock it.”
• “Suspicious activity detected. Confirm your card number immediately.”
• “Verify your online banking info now or your access will be revoked.”

They may look official, but they’re fake. These messages are designed to create panic so you’ll act fast-and hand over your information without thinking.

Know This: We Will Never Ask for…

If a message asks for any of the following, it’s a scam:

• Your full debit or credit card number
• Your PIN or CVV code
• Your online banking username or password
• One-time passcodes you receive via text or email

MidSouth Community FCU will never request this information via text, email, or phone. Ever.

How to Handle a Suspicious Message

Stop: Don’t click any links, download attachments, or respond.

Check: Go directly to your account through our app or website-not through the message.

Call: If you’re unsure, call us at 478.471.9946. We’re always happy to help confirm whether a message is legitimate.

Scammers are counting on you to be busy, distracted, or uncertain. Taking just a moment to pause and verify can protect your money-and your peace of mind.