Don’t Take the Bait: How to Recognize a Phishing Scam

Phishing scams are one of the most common ways scammers try to steal your personal or financial information. These scams often come in the form of official-looking emails, text messages, or even social media that appear to be from your bank, a well-known company, or a government agency.

Because they look legitimate, phishing messages can be very effective in tricking people into clicking links, downloading attachments, or entering sensitive information.

“Phishing scams are designed to look real, but there are always subtle clues,” says Heather Barnhart, BSA/Fraud Officer at Opportunity Bank. “It’s important to slow down and examine the message before taking action.”

Here are some common signs that a message might be a phishing attempt:

“Never click on links, download files, or call phone numbers from suspicious messages. These can install malware on your device, lead you to fake websites, or to individuals claiming to work for government agencies or companies. A legitimate business will never contact you to tell you there was fraud on your bank account or credit card, and they do not need to see your bank account to refund a charge,” adds Barnhart. “If the person on the phone asks to access your computer or online banking, hang up and call your local branch for assistance."

Remember, Opportunity Bank of Montana staff will never initiate a request for sensitive information from you, including your: