Protect Yourself from Scams and Fraud
Your security is our priority. Unfortunately, scams are becoming more sophisticated. Staying alert and knowing what to watch for can help protect your personal information and your peace of mind.
Spoofing Scams
When It Looks Like It’s From ICCU
Scammers are getting clever by “spoofing” — making it appear as though calls, texts, or emails are coming directly from Isabella Community Credit Union.
It might even look like it’s our real phone number on your caller ID. But remember: ICCU will never ask you to share sensitive information over the phone, by text, or through email.
We already have your account information. We will never ask for:
Your online banking password
Any other personal passwords
One-time passcodes received via text or email
Your full debit or credit card number
If you receive a call or message requesting this information, hang up immediately and call ICCU directly at 989-773-5927 to confirm.
Love Scams
Protect Your Heart and Your Wallet
Romance scams happen when someone pretends to form a relationship to gain your trust — and your money. These scammers often meet victims online, build emotional connections quickly, and then create stories that lead to requests for cash, gift cards, or help transferring funds.
Watch for red flags:
They avoid meeting in person.
They claim to be overseas or in the military.
They ask for money for emergencies, travel, or medical bills.
They want you to move conversations off the original platform.
Protect yourself:
Never send money, share banking details, or open new accounts for anyone you haven’t met in person. If something doesn’t feel right, it probably isn’t.
Other Common Scams to Watch For
Scammers are always finding new ways to trick people, but many follow familiar patterns. Here are a few of the most common scams happening right now:
Text and Email Scams: Messages claiming there’s an issue with your account, package delivery, or payment. They often include links to fake websites designed to steal your login info.
Prize or Lottery Scams: You’re told you’ve “won” something — but you must pay fees or share personal details to claim it.
Tech Support Scams: Callers or pop-ups pretending to be from well-known companies, claiming your device is infected and asking for remote access or payment.
Impersonation Scams: Fraudsters pretending to be government agencies, utility companies, or even friends or family asking for urgent help.
If something feels off, don’t click links, share information, or send money.
Holiday Scams
The Grinch Is Out to Steal More Than Gifts
During the holidays, scammers take advantage of the season of giving — and distraction. Be on the lookout for:
Fake shipping notifications that link to fraudulent websites
Charity scams asking for donations to non-existent organizations
Too-good-to-be-true online deals or social media marketplace listings
Gift card scams, where you’re asked to pay with prepaid cards or digital currency
When in doubt, slow down and verify. A few extra minutes of caution can save you a lot of holiday stress.
How to Detect a Scam
Scammers use tactics designed to trick your emotions and judgment. You may be getting scammed if:
You feel pressured to act quickly or told there’s an urgent problem
The message or caller plays on fear, guilt, or excitement
You’re asked to verify your identity or share personal information
Something just feels off or unfamiliar
Trust your instincts — if something doesn’t seem right, it probably isn’t.
What to Do If You Suspect a Scam
If you think you’re being targeted or have received a suspicious message:
Do not provide any information.
Hang up or delete the message.
Call ICCU directly at 989-773-5927 to verify the contact.
Monitor your accounts through Online Banking and report any unusual activity immediately.
Stay Safe. Stay Informed.
Scammers are persistent, but with awareness and caution, you can protect yourself and your finances. ICCU is here to help — if you ever have doubts, we’re only a phone call away.
When in doubt, hang up and dial ICCU directly: 989-773-5927