As the weather cools down and the holidays heat up, scammers often ramp up their efforts to take advantage of busy schedules and generous hearts. From fake charity appeals to online shopping fraud, winter is one of the most common times of year for financial scams.
At Legacy National Bank, your security is always our top priority. Here’s what to watch for this season—and how you can protect yourself and your finances.
1. Watch Out for Fake Charities
The holidays bring out the best in people—but unfortunately, scammers too. Fraudsters often pose as legitimate charities or local organizations, asking for donations through email, text, or social media.
Tip: Before donating, research the charity through official sites like CharityNavigator.org or directly through the organization’s verified website. Never give money or personal details over the phone unless you initiated the call.
2. Be Cautious with Online Shopping Deals
With holiday sales everywhere, it’s easy to fall for “too-good-to-be-true” offers or fake online stores. Scammers set up convincing websites to collect your payment info and disappear once you’ve checked out.
Tip: Stick to reputable retailers and look for “https://” in the web address. Avoid clicking on links from unfamiliar emails or ads.
3. Avoid Gift Card and Payment Scams
If anyone asks you to make a payment or donation using a gift card, wire transfer, or cryptocurrency—stop immediately. These methods are difficult to trace and are a red flag for scams.
Tip: Legitimate companies and organizations will never demand payment this way.
4. Be Aware of Delivery and Package Scams
Scammers often send texts or emails claiming to be from delivery services, asking you to click a link to “reschedule” or “track” your package. These links can install malware or steal your information.
Tip: Always check delivery updates directly through the retailer’s official website or tracking service.
5. Protect Your Personal Information
This time of year, it’s easy to get caught up in the holiday rush—but always pause before sharing sensitive information. Whether it’s a phone call about your bank account or a suspicious email requesting personal details, take a moment to verify.
Tip: Legacy National Bank will never ask for your PIN, password, or full account number over email, text, or unsolicited calls.
Stay Secure with Legacy National Bank
We’re here to help you bank safely all year long. If you ever notice suspicious activity on your account or have questions about potential scams, contact your local Legacy National Bank branch right away.
Stay warm, stay safe, and protect what matters most this winter.