How to Spot a Scam Before It Happens

Scams are becoming more sophisticated every year. Criminals are using email, text messages, phone calls, and even social media to trick people into giving up personal information or money. At Commercial Bank, we want our customers across Michigan to stay alert and informed.

Understanding how to recognize a scam early is one of the best ways to protect yourself and your finances.

Be cautious of urgent or threatening messages

Scammers often try to create panic or pressure. They may claim your account is locked, your computer is infected, or that you owe money to the IRS or another agency. They want you to act fast before you have time to think. Always pause and verify the source before responding to urgent requests.

Look closely at emails and texts

Fake messages often contain small errors. Check the sender’s email address or phone number carefully. If the message includes spelling mistakes, awkward language, or unusual links, it may be a scam. Even if the name looks familiar, the contact could be faked or hacked.

Never give out personal information to strangers

Legitimate businesses, including banks, will not ask for personal information like your account number, Social Security number, or online banking password by phone or email. If someone contacts you unexpectedly and asks for this kind of information, it is best to hang up or delete the message.

Don’t click unknown links or download attachments

Links or attachments in a scam message may lead to fake websites or install malware on your device. If you are unsure about a message, go directly to the official website of the company instead of clicking the link. If you receive an unexpected attachment, do not open it.

Use multi-factor authentication when available

Adding an extra layer of protection to your online accounts can help prevent unauthorized access. Multi-factor authentication typically sends a code to your phone or app that you must enter in addition to your password. This makes it much harder for scammers to access your account, even if they get your login credentials.

Trust your instincts

If something feels off, it probably is. Scammers often rely on confusion or urgency to get you to act. If you are unsure whether a message or call is real, contact the company directly using contact information you trust.