March into Spring Safely: Stay a Step Ahead of Fraud and Scams

As spring approaches and tax season gets into full swing, fraudsters are working overtime. Whether it's tax identity theft, phishing scams, or fake calls, scams are everywhere this time of year. At Vision Financial Federal Credit Union, we want to help you stay one step ahead and protect what matters most — your money and personal information.

Here are some smart ways to spot scams early and avoid becoming a victim this spring.

Watch Out for Tax Identity Theft

Tax season is prime time for identity thieves. These scammers may try to file a fake tax return using your Social Security number to claim a refund in your name. Once they succeed, your refund could be long gone before you even realize what happened.

Here’s how to protect yourself

• Keep your Social Security number safe and only share it when absolutely necessary
• File your taxes early before scammers have the chance to file in your name
• Use trusted tax filing services and avoid using public Wi-Fi when submitting sensitive information
• Consider setting up an IRS Identity Protection PIN (IP PIN) for an extra layer of security

Monitor Your Accounts and Mail Closely

Your first clue that something is wrong might show up in your mailbox or inbox. If you get a letter from the IRS saying a return was already filed using your information, take action right away.

• Regularly check your bank and credit card statements for any unusual activity
• Watch for missing tax forms or strange mail from employers you don’t recognize
• Contact the IRS if you receive notices about tax filings you didn’t make

Be Skeptical of Unsolicited Calls and Emails

Scammers are great at pretending to be someone you trust, like the IRS or even your credit union. They may call, email, or text asking for personal or financial information.

• Remember, the IRS will never contact you by email, text, or social media to ask for information
• The IRS will not threaten to arrest you or demand payment over the phone
• Never share personal details or account numbers unless you are certain of who you’re speaking with

Strengthen Your Online Security

Keeping your devices secure is an easy way to block scammers before they can get to you.

• Update your computer and mobile device software regularly
• Use strong, unique passwords for your online accounts
• Set up multi-factor authentication whenever possible
• Be cautious about what you share online and avoid clicking on suspicious links

Set Up Your IRS Online Account

Take control of your tax information by setting up an official online IRS account. From there, you can monitor your tax activity, check for any returns filed in your name, and request an Identity Protection PIN to add a layer of security to future filings.

When in Doubt, Reach Out

If something feels off — whether it’s a strange email, an unexpected letter, or a phone call asking for private information — contact us right away. At Vision Financial Federal Credit Union, we’re here to help you spot red flags and keep your finances safe.

This March, Let’s Stay Ahead of Scammers Together

Spring is a time for fresh starts, so let’s make sure scammers don’t get a fresh start with your information. If you have any questions about how to keep your account safe or want to know more about protecting your identity, our team is ready to help.