Don’t Take the Bait: Outsmarting Phishing Scams
Shelley Greene | Vice President & Consumer Loan Officer | Centennial Branch
In today’s digital world, the line between real and fake is getting blurrier by the day—and nowhere is that more dangerous than in your inbox.
That urgent email from your “bank,” the “IT department” asking for your password, or that suspicious link in a text message could be more than annoying spam. It could be bait.
Welcome to the world of phishing, where cybercriminals cast digital lines hoping you’ll bite. But here’s the good news: with a little awareness and caution, you can learn how to spot the hook before it’s too late.
What is Phishing, anyway?
Phishing scams are an online scam in which attackers pose as trusted entities to trick you into giving up sensitive information like passwords, credit card numbers, or access to systems. It can appear in emails, texts, phone calls, and fake websites—anywhere online.
It’s called phishing scams because it’s precisely that: a con artist “fishing” for victims. And if you’re not paying attention, you might be the next one to bite.
Common Bait Tactics to Watch Out For
1. Fake Urgency
“Your account will be closed in 24 hours unless you verify it now!”
Phishers love to make you panic. Urgency clouds judgment—don’t fall for it.
2. Too Good to Be True
“You’ve won a $1,000 gift card!”
If it sounds too good to be true, it probably is. Always verify the source.
3. Spoofed Senders
Emails that look like they’re from Amazon, Apple, or your boss, but something’s just a little off.
Check the sender’s email address carefully. Hover over links before clicking. Look for typos, odd phrasing, or unfamiliar URLs.
4. Requests for Personal Info
Legit companies never ask for passwords or sensitive info via email or text.
If they do? That’s your cue to delete and report.
“Phishing emails are getting trickier every day. If something feels off—like a weird link or a message asking for personal info—trust your gut and double-check. As your loan officer, I want you to stay safe online just like you do with your finances.”
Stay Smart: How to Avoid the Hook
- Slow down. Take a breath before clicking anything.
- Verify the sender. Call or message the person directly if something feels off.
- Use multi-factor authentication. Even if someone gets your password, this adds another layer of protection.
- Keep software updated. Security patches close loopholes that hackers love to exploit.
- Report it. If you spot a phishing attempt, tell your IT team or use built-in email report tools.
Cybersecurity isn’t just the IT department’s job—it starts with you. Staying alert and informed is the best way to keep your data, identity, and peace of mind safe.
So next time a shady message pops up trying to lure you in, just remember: Don’t take the bait.
For more fraud tips, click here.