National Consumer Protection Month

Posted on March 4, 2026

 National Consumer Protection Month

 National Consumer Protection Month

 

AI Scams Are Rising. Here’s How to Stay One Step Ahead

During National Consumer Protection Month, it is a great time to talk about something affecting people across the country: the growing number of scams and fraud attempts targeting consumers.

Technology is evolving quickly, and unfortunately scammers are evolving with it. Artificial intelligence is now being used to create more convincing scams than ever before. Staying informed and taking a few simple precautions can make a major difference in protecting your finances.

 

The Rise of AI Scams

AI powered scams are increasing at an alarming rate nationwide. Criminals are using artificial intelligence to clone voices, spoof phone numbers, and impersonate individuals or financial institutions with incredible accuracy.

With only a few seconds of audio, scammers can recreate someone’s voice and use it to attempt fraudulent transactions or convince victims to send money. As this technology becomes more accessible, fraud attempts continue to rise, making awareness and verification more important than ever. Avoiding Scams mailer 2026

 

10 Tips to Avoid Falling for AI Fraud

Here are ten practical ways you can protect yourself and your finances.

1. Slow down
Scammers rely on urgency. Take a moment before making decisions.

2. Do not trust a voice alone
AI can clone voices with just a few seconds of audio. Always verify.

3. Hang up and call back
Use a trusted phone number from the back of your card or the official website.

4. Never share passwords or PINs
No legitimate bank or business will ask for them over the phone.

5. Question unusual requests
Large transfers, account changes, or emergency money requests that seem out of character can be red flags.

6. Be cautious of caller ID
Phone numbers can be spoofed to appear legitimate.

7. Create a family safe word
Agree on a private phrase to verify real emergencies.

8. Limit personal information online
Scammers often use social media details to make impersonation attempts more convincing.

9. Watch for urgent or high pressure tactics
Threats, deadlines, or secrecy are common scam strategies.

10. Report suspicious activity immediately
If something feels off, contact your bank right away. We are happy to help. Avoiding Scams mailer 2026

 

Other Common Scams to Watch For

While AI scams are becoming more common, many traditional scams are still widely used. Being aware of these tactics can help you avoid becoming a victim.

Common scams include:

• Phishing emails that ask you to click suspicious links
• Text message scams claiming there is an issue with your account
• Account takeovers using stolen login information
• Romance scams requesting money or gift cards
• Family emergency scams pretending to be a loved one
• Tech support scams claiming your computer is infected
• Check fraud involving altered or stolen checks
• Business email scams requesting wire transfers
• Lottery or prize scams that require upfront fees
• Investment scams promising guaranteed returns. Avoiding Scams mailer 2026

Tools That Help Protect You

At Citizens State Bank, protecting our customers is a priority.

With Citizens Digital, customers can freeze their debit card if they suspect fraud, set card usage controls, and change their PIN directly within the app.

Customers with Get More Checking also have access to benefits through the BaZing app, including identity theft restoration services, roadside assistance, cell phone protection, and savings at local and national retailers. Avoiding Scams mailer 2026

 

When in Doubt, Pause and Verify

If something feels suspicious, take a moment to pause. A quick call to your bank using a trusted number can help prevent a costly mistake.

If you ever feel pressured to act quickly or share personal information, stop and verify before taking action.

If you have questions or notice unusual activity, contact Citizens State Bank. We are always happy to help.