Fraud is getting sneakier. Scammers are pretending to be banks, landlords, even the IRS. But don’t stress, we’ve got 5 quick tips to help you stay safe:

1. Don’t share your Secure Access Code

Not with a stranger. Not with a friend. Not even with someone who says they’re from Stanford FCU. Your code is meant for you only, and we’ll never ask for it by phone, text, or email.

2. Don’t pay for jobs or rentals you haven’t seen

If someone posts a job offer or home rental and asks you to send money before meeting them or seeing the place—it’s probably a scam.

3. Don’t click links in sketchy texts

Some texts look like they’re from us, but the links may be dangerous. If something feels off, don’t click anything. Just head to sfcu.org or use Digital Banking.

4. Told to do something weird or lie about a wire? Call us

Buy gift cards? Invest in crypto? Told to lie about a wire? Major red flag. Real companies will never ask you to mislead your bank. If it feels strange, call us at 888.723.7328.

5. The IRS is not going to arrest you

Anyone calling and saying “pay now or go to jail” is lying. The IRS doesn’t operate that way. Hang up the phone. You’re not in trouble.

Take a second to pause and check in with us

Scammers pressure you to act fast—that’s the trap. If something feels off, stop and reach out. Once money is sent or a purchase is made, it’s often too late to get it back. When in doubt, check with us first. We’re here to help. Call us at 888.723.7328, use Chat or schedule a virtual appointment.