Account spoofing is a type of cyber deception where an attacker impersonates a legitimate user or entity to gain unauthorized access, steal information, or spread malicious content. This can happen through email spoofing, caller ID spoofing, social media impersonation, or even fraudulent websites designed to look like trusted ones.

Spoofing is dangerous because it tricks people into revealing sensitive information or trusting harmful links. Cybercriminals often use it for phishing attacks, financial fraud, or spreading malware. Being cautious with unsolicited messages and verifying sources can help prevent falling victim to account spoofing.

Here are some ways you can protect yourself from account spoofing:

1. Use Strong Passwords - Create unique, complex passwords for each account and use a password manager to keep track of them.
2. Enable Two-Factor Authentication - This adds an extra layer of security by requiring a second form of verification.
3. Verify Senders - Be cautious with emails, messages, or calls from unknown sources. Spoofed accounts often mimic legitimate contacts.
4. Check URLs Carefully - Fraudulent websites might look like trusted ones but have slight spelling variations in their web addresses.
5. Avoid Clicking Suspicious Links - Never open unexpected links or attachments, especially from unknown sources.
6. Update Your Software - Keep your operating system, apps, and security software updated to protect against vulnerabilities.
7. Monitor Account Activity - Regularly check your accounts for unusual activity and report anything suspicious.
8. Educate Yourself & Others - Awareness is key! Teach friends and family about spoofing scams to keep everyone safe.

The Credit Union will never call and ask for sensitive information like your account number, Social Security number, PIN, or online banking credentials. Scammers often pretend to be credit unions, or credit card companies, using tactics like urgency and threats to pressure people into sharing private details.

Here’s how to stay safe:

• Verify the caller – If you get a suspicious call, hang up and call your bank directly using the number on their official website or your statement.
• Watch for red flags – Requests for immediate action, threats of account suspension, or unexpected verification codes are all signs of fraud.
• Don't share private info – Never give out passwords or PINs over the phone, even if the caller insists they need them.

If you ever get a text or call and aren't sure if it's legitimate, it's always safer to check directly with your Credit Union. You can reach Fire Police City County FCU at 260-484-2102, by email memberservices@fpccfcu.org or via our online chat.