Winter Storms Can Disrupt More Than Power

Here’s How to Protect Your Finances

When winter weather hits, most of us prepare for icy roads, power outages, and changes to daily routines. What’s easy to overlook is that storms can also create opportunities for cybercriminals.

During major weather events fraud and scam activity often increases. Not because systems suddenly become unsafe, but because people are dealing with disruption, urgency, and limited access to power or internet.

A little awareness goes a long way. Here’s what to watch for and how to stay one step ahead.

Why Cyber Scams Increase During Winter Storms

Severe weather creates the perfect conditions for scams to thrive:

• People are checking phones more frequently for updates
• Normal routines are disrupted
• Power and internet access may be limited
• Stress and urgency make messages feel more “believable”

Scammers rely on these moments to blend in with real alerts and notifications.

Common Storm-Related Cyber Risks to Watch For

1. Phishing Messages Disguised as “Urgent Updates”

You may see emails or texts claiming to be from:

• A bank alerting you to “storm-related account issues”
• Utility companies requesting immediate payment
• Delivery services or insurance providers with fake updates

Red flag: Messages that pressure you to act immediately or click a link.

2. Phone Scams That Sound Official

When internet access is spotty, scammers often switch to phone calls. These calls may:

• Claim to be from a bank’s fraud department
• Ask you to “verify” account information or one-time codes
• Use spoofed phone numbers to look legitimate

Remember: A legitimate bank will never ask for your full password or security codes. See more.

3. Risky Public Wi-Fi Use

Power outages sometimes mean working or banking from:

• Coffee shops
• Hotels
• Shared or public networks

Public Wi-Fi can expose sensitive information if it’s not secure.

Tip: Avoid accessing financial accounts on public Wi-Fi unless you’re using a secure, trusted connection.

4. Small Security Shortcuts That Add Up

During outages, it’s common to:

• Borrow devices
• Write down passwords
• Skip updates to save battery
• Share login information with family members

While understandable, these shortcuts can increase risk.

How to Bank Safely During Severe Weather

A few simple habits can help protect your information—no matter where you’re located:

• Pause before clicking links or responding to urgent messages
• Access your bank only through official apps or bookmarked websites
• Be cautious with unexpected calls asking for personal details
• Keep devices locked and up to date when possible
• When something feels off, trust your instincts

When in Doubt, Reach Out Directly

If you ever receive a message or call that doesn’t seem right, don’t respond to it directly. Instead, contact your bank using the phone number or contact information listed on its official website.

Winter weather can be unpredictable. Whether you’re impacted locally or simply staying weather-aware, we’re here to help keep you informed, prepared, and protected.