Ask Before You Click Checklist

Scammers count on speed and surprise. Slow down and ask:

1. Did I expect this? A surprise prize, refund, “problem with your account” or package notice is a red flag.
2. Is it rushing me? “Act now”, “your account will be closed” or “don’t tell anyone” are pressure tactics.
3. Does it want money in an odd way? Gift cards, wire transfers, crypto, or payment apps to a stranger are almost always scams.
4. Does it want a code or password? No real company or bank will ask you to read back a verification code.
5. Where does the link really go? Don’t click. Go to the company’s website or app yourself, or call the number on your card.
6. Does a familiar voice sound off? AI can copy voices. Hang up and call the person back on a number you already have, or ask for your family safe word.

If you’re not sure

Don’t click, don’t call back, and don’t pay. Forward it to someone you trust, or send it to us and we’ll take a look.

If you already clicked or paid

Call your bank first. Then change the password on the affected account, and report it to the official site at ReportFraud.ftc.gov. We’d like to hear about it too, so let us know and we’ll help you recover.