These scam texts are becoming more common—and more convincing. Before you click a link or respond, watch for these common scams.
1. "Your Account Has Been Locked"
Scammers pretend to be banks, credit unions, or online services.
Don't trust messages that:
Remember: Waterfront will never ask for your password or security code by text.
2. "You Have an Unpaid Toll Balance"
These texts claim you owe a toll fee and must pay immediately.
Watch for:
Tip: Visit the toll agency's website directly instead of clicking the link.
3. "Your Package Couldn't Be Delivered"
Scammers often pose as USPS, UPS, FedEx, or Amazon.
Tip: Check tracking information through the retailer or carrier directly.
4. "You've Won a Gift Card"
If you didn't enter a contest, be cautious.
Rule of thumb: Free gifts shouldn't require sensitive information.
5. "Verify Your Information Immediately"
These scams often impersonate financial institutions or government agencies.
Never share sensitive information through a text message link.
What To Do If You Receive a Suspicious Text
✔ Don't click links ✔ Don't respond ✔ Block the sender ✔ Delete the message ✔ Contact the organization directly
Stay Alert. Stay Protected.
Scammers rely on urgency and distraction. Taking a few extra seconds to verify a text message can help protect your accounts and hard-earned money.
If you receive a suspicious message involving your finances, contact Waterfront Credit Union before taking action.
Learn More About Fraud Prevention
Information in this article is based on guidance from the Federal Trade Commission (FTC), National Credit Union Administration (NCUA), Federal Communications Commission (FCC), and Cybersecurity & Infrastructure Security Agency (CISA).