KNOWLEDGE HUB

Buying a home today means more of the process is happening online. From emails and texts to documents and payments, technology helps streamline the process, but it also means buyers should be more intentional about protecting their personal and financial information.  

The good news? You don’t need advanced technical knowledge to stay safe online. A few simple habits can make a big difference.  

How to protect yourself while house hunting 

Let’s break down a few steps you can take now to keep your information safe later. 

Create small digital boundaries 

Consider making a dedicated email address for home-buying-related communication, so those messages stay organized, potentially making it easier to spot anything unusual. Plus, when it comes to listing platforms and sign-in forms, opt to only share the necessary information upfront.  

Don’t rush when it comes to money 

Scammers rely heavily on urgency to push buyers to act before they verify the details—don’t let this fool you. You can always pause and check in with your loan officer, especially regarding last-minute payment and wiring changes.  

More messages mean being more selective 

It’s normal to receive more emails or texts as you go through the homebuying process. But with the increased volume of communication, it’s also a great time to be more selective. Take a close look at sender details, links, and requests before clicking or responding.   

Trust your gut 

Long story short, if something feels off, then there's a good chance you could be dealing with false information. It’s always ok to take a step back and verify before responding—your future self will thank you.  

Even in this new digital age, we’ve got you covered 

No matter your goals, we’re always thrilled to help you and your family find a place that fits your needs and feels like home. Rather than shying away because of the digital aspect, adopting simple habits can help protect you online. 

Ready to start your homebuying journey? Find a loan officer near you today!  

Here’s what that looks like:

You get a call saying your account isn’t secure. They sound official. Urgent. Helpful, even. Then they tell you to move your money or log into your account while they “walk you through it.”

Sometimes they’ll even ask you to share your screen.

That’s the moment things go sideways.

Let’s Be Clear: We’re Not Calling You Like That

If you take one thing away from this, make it this:

We will never call you and ask you to:

• Move your money to “protect” it
• Share your login credentials
• Accept a screen-sharing request
• Download remote access apps like AnyDesk

If someone is asking you to do any of that, it’s not us.

Why This Scam Works

It plays on urgency and trust.

Scammers want you to act fast before you think it through. And by using the name of a bank—or even “fraud department”—they’re borrowing credibility they don’t have.

Once they get access to your device or your login, they can move quickly.

What To Do If You Get One of These Calls

Don’t try to figure it out in the moment. Just do this:

• Hang up
• Don’t click anything or share your screen
• Call your bank directly using the number you trust

That one step breaks the scam.

What We’re Doing On Our End

We’re actively monitoring this type of activity and continuing to add protections to keep you safe. That includes:

• Exploring ways to alert you directly inside online banking if something feels off
• Evaluating safeguards around screen-sharing and remote access tools commonly used in scams
• Continuing to strengthen our fraud monitoring systems

And as always, you’re backed by a real team, available 24/7, who you can call anytime something doesn’t feel right.

Bottom Line

If someone calls you and creates urgency around your money, pause.

Because the safest move is usually the simplest one:

Hang up and call us directly at 1.833.4Primis (833.477.4647).

When you think about spring cleaning, you probably picture decluttering closets or organizing your garage. But your digital life deserves a refresh, too.

Just like dust builds up on your shelves, cyber risks can quietly pile up across your online accounts, devices, and apps over time. Taking a few simple steps now can help protect your personal information, online banking access, and financial data from today’s most common cybersecurity threats.

At Primis Bank, we believe that smarter banking includes safer banking. Here’s how you can spring clean your cybersecurity in three easy ways:

1. Reset Your Passwords (All of Them)

Your passwords are the front door to your digital financial life. If you’re using the same password across multiple accounts—or if you haven’t updated them in a while—now is the time.
Cybercriminals often rely on stolen or reused passwords to gain unauthorized access to banking apps, email accounts, and even payment services. Resetting your passwords regularly can significantly reduce your risk of fraud or identity theft.

Primis Pro Tip:

• Use long passphrases instead of short passwords
• Avoid personal details like birthdays or pet names
• Never reuse passwords across financial and non-financial accounts
• Consider using a secure password manager to generate and store unique login credentials

And while you're at it, enable multi-factor authentication (MFA) wherever available—especially for your online banking accounts.

2. Back Up Your Devices Before You Need To

From important financial records to family photos, your devices likely hold information you simply can’t replace. But malware attacks, ransomware, and even hardware failures can put that data at risk.

Backing up your devices—laptops, smartphones, and tablets—helps ensure that even if something unexpected happens, you won’t lose what’s important.

Make it part of your cybersecurity routine to:

• Back up your files to a secure cloud service or external hard drive
• Schedule automatic backups weekly or monthly
• Ensure backups are encrypted for added protection

A reliable backup can be the difference between a small headache and a major disruption—especially if your personal or financial data is involved.

3. Update Your Apps and Software

Ignoring update notifications may seem harmless—but outdated apps and operating systems are one of the most common ways cybercriminals exploit security vulnerabilities.

Software updates often include critical patches that protect against the latest cybersecurity threats. Keeping your systems current helps ensure the strongest possible defense against malware, phishing attempts, and unauthorized access.

This spring, take a few minutes to:

• Update your mobile banking app
• Install the latest version of your device’s operating system
• Update antivirus or security software
• Remove apps you no longer use

Enabling automatic updates wherever possible can make staying secure nearly effortless.

A Cleaner, Safer Digital Life Starts Now

Cybersecurity doesn’t have to be complicated. With just a few proactive steps—resetting your passwords, backing up your devices, and updating your software—you can help safeguard your personal and financial information all year long.

At Primis Bank, we’re committed to helping you bank confidently with tools and tips designed to keep your information secure. Because a cleaner digital space means greater peace of mind.

Looking for more ways to protect yourself from fraud and cyber threats? Explore additional security resources anytime at primisbank.com/knowledge-hub.

What You Should Know About IRS-Related Cyber Threats

Tax season can bring refunds, fresh financial planning, and unfortunately, an increase in scams.

Every year, cybercriminals ramp up efforts to impersonate the IRS, tax preparers, and financial institutions in hopes of stealing personal and financial information. These scams are getting more sophisticated, but the good news is that they’re also highly preventable when you know what to look for.

At Primis, protecting your money and personal information is a priority. Here’s what to watch for during tax season and how to stay one step ahead of scammers.

Why Tax Season Attracts Scammers

Tax filings require sensitive information like Social Security numbers, banking details, income records, and identity verification. That makes tax season a prime opportunity for fraud.

Scammers often rely on urgency and fear. They want you to believe:

• You owe money immediately
• Your refund is at risk
• Your identity has been compromised
• Your tax return needs verification

Their goal is simple: get you to share confidential information or send money before you have time to think.

Common IRS and Tax Season Scams

Fake IRS Emails and Text Messages (Phishing & Smishing)

Scammers frequently send emails or text messages that appear to come from the IRS or a tax service provider. These messages often include links or attachments designed to steal your login credentials or install malicious software.

Red flags include:

• Requests for personal or financial information
• Messages claiming you must act immediately
• Links directing you to unfamiliar websites
• Unexpected refund notifications

The IRS does not initiate contact through email, text, or social media to request personal or financial information.

Refund and Identity Theft Scams

Fraudsters may attempt to file a tax return using stolen personal information to claim a refund before you file your legitimate return.

You may discover this scam if:

• You receive tax transcripts or confirmation letters unexpectedly
• Your return is rejected because one was already filed
• You receive IRS notices about activity you didn’t authorize

Fake Tax Preparers

Some scammers pose as tax professionals offering unusually fast refunds or promising to secure larger returns. In reality, they may steal your identity or file inaccurate returns in your name.

Be cautious of anyone who:

• Refuses to sign your tax return
• Asks you to sign blank forms
• Promises guaranteed refunds
• Requests payment based on refund size

How To Protect Yourself During Tax Season

File Early

Filing your tax return early reduces the chance of someone filing fraudulently in your name.

Strengthen Your Online Security

• Use strong, unique passwords for financial accounts
• Enable multi-factor authentication whenever available
• Avoid using public Wi-Fi when accessing financial or tax information

Monitor Your Accounts

Review bank accounts and credit activity regularly. Quick detection can prevent larger losses.

Protect Sensitive Documents

Store tax records securely and shred documents before disposing of them.

A safer tax season starts with awareness. Cybercriminals rely on confusion, urgency, and trust to carry out scams. Taking a few proactive steps can significantly reduce your risk. If you ever receive a message that seems suspicious or have concerns about your account security, reach out.

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.

Valentine’s Day is around the corner and with it comes messages, gifts, surprises, and showing people you care. 

Unfortunately, it’s also a favorite time of year for scammers. 

When emotions are high and activity picks up online, fraudsters see opportunity. Fake delivery notices, too-good-to-be-true deals, and convincing messages pretending to be from trusted companies tend to spike this time of year. 

The good news? A few smart digital banking habits can help you protect your money — not just on Valentine’s Day, but all year long. 

Common Valentine’s Day Scams to Watch For 

Scammers often rely on urgency, emotion, or distraction. Around Valentine’s Day, that can look like: 

• Fake gift or flower delivery texts asking you to “confirm” details 
• Romance scams that start with conversation and escalate to money requests 
• Phony account alerts urging you to click a link to “secure” your account 
• Unreal online deals promoted through social media ads or emails 

If a message pressures you to act quickly or share personal information, that’s your cue to pause. 

Love Your Money Enough to Protect It 

Keeping your accounts secure doesn’t have to be complicated. Think of these as simple habits that show your money a little care: 

• Use strong, unique passwords for your banking apps and accounts 
  (And avoid using names, birthdays, or anniversaries.) 
• Turn on multi-factor authentication whenever it’s available 
• Monitor your accounts regularly through online and mobile banking 
• Set up account alerts for purchases, transfers, and logins 
• Keep your devices and apps updated to ensure you have the latest security protections 

These small steps can make a big difference — especially during high-traffic shopping seasons like Valentine’s Day. 

Watch for Red Flags  

Some warning signs are always a dealbreaker: 

• Messages asking for your login credentials
• Links or attachments you weren’t expecting
• Requests for payment via gift cards, wire transfers, or cryptocurrency 
• Emails or texts that don’t address you by name 
• Pressure to act immediately “or else” 

Always remember, real banks won’t ask for your passwords or sensitive information through email or text. Ever. 

If Something Feels Off, Trust Your Instincts 

Fraud can happen to anyone. Even people who are careful and experienced. If something doesn’t feel right, don’t ignore it. 

Log in to your account directly (not through a link), review your activity, and reach out to your bank right away. A quick conversation can help stop an issue before it becomes something bigger. 

And when it doubt, give us a call. We’re here 24/7 to help you navigate red flags and protect what matters.  

Cyber Monday is one of the biggest shopping days of the year—and unfortunately, one of the biggest days for scammers. As more people hunt for deals online, fraudsters ramp up their efforts to trick shoppers with fake websites, phishing messages, and too-good-to-be-true offers.

Here are a few scams to keep on your radar as you shop this season, plus tips to help you stay protected.

1. Fake Online Stores

Scam sites pop up every year, often offering deep discounts on popular items. They look real, but once you pay, your order never arrives—or you get something completely different.

Protect yourself:
Stick to retailers you know. If the price feels suspiciously low, it probably is.

2. Phishing Emails & Fake Shipping Alerts

Scammers send emails or texts pretending to be from UPS, FedEx, Amazon or big-name stores. The messages look official and often ask you to “verify your order” or “fix a delivery issue.”

Protect yourself:
Don’t click links in unexpected messages. Go directly to the retailer’s website or app to check your order.

3. Malicious Ads & Social Media Deals

Fraudsters use ads on Facebook, Instagram, TikTok, or search engines to push fake products or bogus storefronts—especially during big shopping weekends.

Protect yourself:
Be cautious with ads from brands you’ve never heard of. Check the URL, reviews, and return policies before purchasing.

4. Fake QR Codes

QR codes are popping up everywhere during holiday promotions. Scammers use them to send people to malicious sites that steal personal information.

Protect yourself:
Only scan codes from trusted retailers. If you’re unsure where it leads, skip it.

5. “Ghost Sellers” on Marketplaces

On sites like Facebook Marketplace or Craigslist, scammers list items they don’t actually have. They’ll pressure you to pay quickly or send deposits upfront.

Protect yourself:
Avoid prepaying strangers. Choose secure payment methods and meet sellers in safe, public places when possible.

How to Stay Safe While Shopping

A few simple habits go a long way:

• Use strong, unique passwords and turn on two-factor authentication.
• Pay with credit, not debit—it offers better fraud protection.
• Avoid shopping on public Wi-Fi.
• Keep an eye on your accounts and turn on alerts in the Primis app.
• Trust your gut. If something feels off, pause and double-check.

Shop Smart. Stay Safe.

Cyber Monday should be fun—not stressful. With a little caution and the right tools, you can enjoy the deals and keep your information secure. And if you ever notice something suspicious on your account, our team is here to help.

Better banking starts with better protection.

Everyday life is busy, and scammers take advantage of it. Stay sharp.

Recently, a Primis customer shared a scam attempt that started with a fake “fraud alert” text about a transaction she didn’t recognize. Moments later, she received a call from someone pretending to be from the bank. Thankfully, she spotted a small but critical red flag: an out-of-place “@” symbol in the store name given in the text. That clue helped her avoid becoming a victim.

These scams are becoming more sophisticated, but there are still tell-tale signs that something’s off. Here are a few red flags to watch for.

🚩 1. Weird Characters or Typos in the Store Name

Legitimate fraud alerts will list merchant names accurately.
If you see odd symbols, misspellings, or formatting issues—like a random “@” or extra punctuation—stop and take a closer look. Scammers often spoof messages quickly, and sloppy details can give them away.

🚩 2. Links That Don’t Look Right

If the text includes a link, don’t tap it. Fake links may look almost correct but usually include extra numbers, odd characters, or unfamiliar domains. Primis will never ask you to click a link to verify your card number or account info.

🚩 3. Pressure to Act Immediately

“Reply NOW or your card will be locked!” Scammers want you to panic so you don’t think things through. Real fraud alerts will never threaten or pressure you into handing over information.

🚩 4. A Follow-Up Call That Feels “Off”

Fraudsters often text first, then call pretending to be your bank.
If the caller asks for:

• Your full card number
• Your PIN
• Online banking credentials
• One-time passcodes

…it’s a scam. Primis will never ask for that information over the phone.

🚩 5. It Doesn’t Match Your Real Alerts

If you’re enrolled in Primis debit or credit card alerts, you’ll receive them from the same short code or phone number each time. A message from a new number—or one that doesn’t match your usual alert format—is a red flag.

What to Do if You Suspect a Scam

If something feels off, trust your gut. Here’s what to do:

• Don’t reply, click links, or share information.
• Call us directly at our Customer Care Center: 833.477.4647.
• Check your mobile banking app to confirm whether a transaction is real.
• Delete and report the message so we can help protect other customers.

Fraudsters know homeowners are watching rates, and they’re using digital tricks to slip in. Phishing emails, fake lender websites, and texts that look legitimate are now common tools of refi scams. The goal? To steal your money or even your home.

Red flags to watch for: 

• Demands for upfront fees before anything is processed
• Payment requests by wire transfer or gift cards
• Emails or texts with fake links to "special refi offers"
• Pressure to sign over your home's deed
• Hidden or excessive fees buried in documents

How to protect yourself:

• Double-check that the lender is registered and legitimate
• Slow down: read every document carefully before you sign
• Never pay fees upfront or hand over sensitive information by email

Refinancing can be smart — but only when it’s safe. Stay skeptical online, and trust only verified sources when rates shift.

To refinance safely, visit our refi guide online or contact a trusted Primis loan officer to get started.

From cyber scams to money scams, it’s important to stay informed about what actions to avoid and how to recognize malicious attempts. But what about less-talked-about scams like fake checks?  

With check writing scams, someone you don’t know will offer to send you a check, commonly disguised as a gift or refund. Then the check you receive will be for more than they promised you. Once you’ve cashed the check, they’ll ask you to send back the difference. But it’s not until after you send the extra money that you and the bank realize the check is fake.  

For example, if you were expecting a $600 check but received an $800 check, you’d be asked to send back $200. However, since it’s a counterfeit check, you’d be without the $200, and you wouldn’t have the “remaining” $600 either.  

Taking extra precautions is essential to avoid financial loss or injury.  Here are some tips to help you avoid fake checks and keep your money in your pocket (or the bank).  

Never use money from a suspicious check to send funds back 

• Scammers often ask you to use money from a check to send gift cards, money orders, or wire money back to them. Don’t fall for it! 
• Once you send them these funds, you’ve basically given them cash, and it can be very hard to get it back.  

If they require you to pay for a prize, just say no 

• If something is actually free, you wouldn’t be asked to pay for it.  
• Scammers will try to reel you in with the idea of a ‘free’ prize/gift, but then say you have to pay to get it.  

Make sure checks are for the discussed amount  

• If a check you receive is over the amount you were expecting, don’t accept it. 
• Scammers will ask for that extra money back and leave you to deal with the fake check at your bank.  

Don’t accept money from people you don’t know 

• If a person or company you don’t know is trying to send you money, it’s likely a scam.  
• There’s usually a premeditated reason for sending checks, so if someone unexpectedly wants to send you money, it’s best to say no and save yourself the trouble later on.  

The moral of the story here is that if you’re unsure about it, don’t send anything. Scammers often try to make the situation seem too good to be true, which should be your first red flag. Plus, it’s better to turn down these potential funds than lose your own money.  

If you have any questions or are considering starting your homebuying journey, find a loan officer near you today!  

Every year, scammers steal millions of dollars from older adults by preying on trust, routine, and the desire to help others. Senior Citizens Day, observed on August 21, is a reminder to honor the wisdom and contributions of older generations—and to protect them from those who would take advantage.

Popular Scams Targeting Seniors Right Now

1. Tech Support Scams
   A caller or pop-up claims your computer has a virus and offers to “fix” it for a fee. In reality, they’re after your credit card number or remote access to your device.
2. Imposter Scams
   Fraudsters pretend to be government officials, bank representatives, or even family members. The message is always urgent: send money now or face serious consequences.
3. Fake Sweepstakes
   Victims are told they’ve won a prize—but must first pay taxes or fees to claim it. The winnings never arrive.
4. Romance Scams
   Online scammers build relationships through dating sites or social media, then ask for money to cover emergencies or travel.
5. Medicare and Health Scams
   Fraudsters pose as Medicare representatives, asking for personal or payment information under the guise of providing benefits.

How to Stay Safe

• Slow down. Scammers thrive on urgency. Pause before giving out information or sending money.
• Verify the source. Call the company, government agency, or family member directly using a number you know is legitimate.
• Guard your information. Never share Social Security, Medicare, or bank account numbers over the phone, email, or text.
• Use strong passwords. Add extra protection with multifactor authentication whenever possible.
• Talk openly. Families can help by discussing common scams and encouraging loved ones to check in before making financial decisions.

Looking Out for Loved Ones

Seniors aren’t alone in facing these threats. Family members, friends, and caregivers all play a role in keeping them safe. Check in often, talk about the latest scams, and make sure they feel comfortable asking questions before taking action.

Bring Financial Safety Education to Your Community

Want to help protect seniors in your community from scams and financial abuse? Our team partners with local organizations to host educational seminars that equip older adults with the tools to spot fraud and stay secure.

👉 Request a speaker for your organization

Scammers are getting smarter, and their newest trick is impersonating state Department of Motor Vehicles (DMV) offices. These scams often come through email or text and are designed to look official. They use real DMV logos, urgent language, and fake links that could fool even the most careful eye.

The goal is simple: to steal your personal or financial information. But with the right knowledge, you can protect yourself. Here’s how:

1. Know What to Look For

• Suspicious senders. Real DMV emails will come from an official state domain, not free services like Gmail or Yahoo.
• Fake urgency. Scammers often claim your license is suspended, a payment is overdue, or your account will be closed unless you act immediately.
• Lookalike links. A link may look correct at first glance but include small misspellings or extra characters.

2. Double-Check Before You Click

• Hover first. Place your cursor over any link to see the full web address before clicking.
• Go direct. If you’re unsure, type your state DMV’s official website into your browser instead of following a link in a message.

3. Protect Your Information

• Never share your Social Security number, driver’s license number, or banking details in response to an unsolicited message.
• If you receive a suspicious email or text, report it to your state DMV and delete it right away.

4. Stay Ahead of Scammers

• Cybercriminals count on people being rushed or distracted. Slow down, read carefully, and question anything that feels off.

Staying alert to these scams is one of the best ways to protect your personal and financial information. A careful pause before clicking a link or sharing details can make all the difference—turning a scammer’s trap into just another deleted message.

Buying a home? There’s a lot to juggle—emails, phone calls, paperwork—and unfortunately, scammers know that too. 

Mortgage wire fraud happens when criminals pose as trusted professionals, like your loan officer or closing attorney, and trick buyers into sending closing funds to a fake account. These scams often start with a hacked email or spoofed message and end with your money in the wrong hands. 

But don’t worry—we’re here to help you protect what’s yours. Here are some smart steps to keep your information secure and your closing on track. 

Establish clear payment protocols

Before you get too far in the process, talk with your loan officer and real estate agent to understand how payments will be handled. Ask questions so you know exactly what to expect, including how and when you’ll receive wire instructions. 

Confirm before you send 

If you ever receive a message with updated wiring instructions, don’t act on it immediately. Reach out to your loan officer or agent directly—using a phone number you trust—to verify it’s legitimate. Never rely on email alone for confirming important details. 

Secure your online accounts 

Use strong, unique passwords and enable multi-factor authentication on your email and financial accounts. It’s one of the easiest and most effective ways to add an extra layer of protection. 

Watch for red flags 

Scammers can mimic legitimate email addresses and phone numbers. Avoid clicking links or downloading attachments unless you’ve confirmed the source. And remember: never send sensitive financial information over email. 

Stay smart and stay in touch 

Buying a home should be exciting—not stressful. By staying alert and keeping the lines of communication open with your trusted contacts, you can close with confidence and celebrate your new place worry-free. 

Have questions or want to connect with a loan officer? We’re here to help—reach out to us today. 

Summer is a great time to relax, explore, and soak up some sunshine. Scams? Not so much. Unfortunately, as temperatures rise, so do reports of fraud, cyberattacks and identity theft—many of them tied to travel and vacation-related schemes. 

Whether you’re booking a last-minute getaway or just spending more time online, staying alert can help keep your summer carefree. Here’s what to know (and avoid) when it comes to summer scams. 

1. Fake Vacation Rentals 

That beachside bungalow or cabin in the mountains may look perfect online—but is it real? Scammers often steal photos from legitimate listings to create fake ones on popular platforms or social media. They’ll ask for payment upfront, sometimes through wire transfers or peer-to-peer apps, then disappear. 

Red flags to watch for: 

• The price seems too good to be true 
• The host rushes you to book outside of a reputable platform 
• Payment is requested via cash apps or gift cards 

Tip: Always book through trusted sites, verify reviews, and avoid off-platform communication. 

2. Phony Travel Deals 

Fraudulent travel agencies or pop-up websites may promise huge discounts on airfare, cruises or all-inclusive packages—then take your money and vanish. Others might “book” your trip but never actually confirm anything. 

Stay safe by: 

• Researching the travel company’s name and checking for complaints 
• Avoiding pressure tactics like “limited time offers” with no verification 
• Using a credit card when booking for better fraud protection

3. Wi-Fi Risks on the Road 

Public Wi-Fi at airports, hotels and cafés is convenient—but also a hotspot for cybercriminals. Hackers can intercept your data, steal passwords, or install malware when you connect to unsecured networks. 

If you’re traveling: 

• Avoid logging into bank accounts or shopping online over public Wi-Fi 
• Use a VPN (virtual private network) if you must access sensitive info 
• Turn off automatic Wi-Fi connections in your device settings 

4. Package Delivery Text Scams 

Ordering more online while you're on the go? So are scammers. Fake “delivery failed” text messages and emails spike during busy travel months, tricking you into clicking malicious links or entering personal info. 

Here’s how to tell it’s a scam: 

• You didn’t order anything, or the carrier name is vague 
• The link is shortened or suspicious-looking 
• The message contains typos or urgent language 

What to do: Never click links from unknown senders. Go directly to the shipping company’s website to track packages. 

5. Social Media Sweepstakes 

Summer giveaways are everywhere online—but some are just bait. Scammers create fake social accounts and run phony contests to collect personal data or install malware. 

Be cautious of: 

• Promises of extravagant prizes with minimal effort
• Requests to “verify your identity” with a credit card or Social Security number 
• Pages with no history, few followers or generic usernames 

When in doubt: Stick with verified accounts and never give out sensitive info for a “free” prize. 

Primis Protects You Year-Round 

At Primis, your security is our priority. Our accounts come with built-in fraud monitoring, and our team is always here to help if something doesn’t look right. 

Think you’ve been scammed? Report it immediately to your bank and credit card providers, change your passwords, and monitor your accounts closely. It’s also a good idea to place a fraud alert with the credit bureaus. 

And don’t forget—education is one of your best defenses. Share this blog with friends and family so everyone can enjoy a safer summer. 

Your summer getaway should be memorable—for the right reasons. Whether you're booking flights, checking your balance from the beach, or logging in at the airport, it's important to stay protected. Cybercriminals ramp up activity during peak travel season, but a few smart steps can keep your money and information safe.

Here are four easy travel cybersecurity tips to help protect your finances while you’re away:

1. Steer Clear of Public Wi-Fi for Banking

Free Wi-Fi at airports, hotels, and cafés can be convenient—but it’s not always secure. Avoid logging into your bank accounts or entering sensitive information while connected. When in doubt, wait until you’re on a trusted network.

2. Use a VPN or Mobile Hotspot

A Virtual Private Network (VPN) encrypts your internet connection, making it much harder for hackers to intercept your data. Even better? Use your smartphone’s mobile hotspot for a direct, private connection.

3. Watch Out for Phishing Scams

Fraudsters love to mimic airlines and hotels with fake emails and texts about “flight changes” or “account issues.” If something looks off, don’t click—go directly to the company’s website or app to check for updates.

4. Turn On Transaction Alerts

Stay in the loop by enabling transaction alerts in your Primis app. You’ll get notified of any account activity, helping you quickly spot anything suspicious and take action fast.

A little prep goes a long way—especially when you’re crossing borders. Traveling internationally? Check out our extra tips here.

Have fun, stay safe, and remember—we’re always here if you need us.

As AI technology rapidly evolves, so do the tactics used by cybercriminals to exploit it. From phishing emails to deepfake videos, the rise of artificial intelligence has made it easier than ever for scammers to deceive individuals and businesses alike. While AI can be incredibly useful, it’s essential to stay vigilant and learn how to spot AI-driven scams before you fall victim to them. 

The Rise of AI-Driven Scams

• Phishing and Smishing: Phishing emails and smishing (SMS phishing) have been around for years, but AI is taking them to new levels. Cybercriminals can now generate convincing, personalized messages that appear to come from trusted sources, such as your bank or a well-known retailer. AI tools can analyze your online presence to tailor these messages, making them more believable and harder to spot. These messages often encourage you to click on malicious links or share sensitive information. 
• AI-Generated Fake Ads: Another alarming scam is the creation of fake ads using AI-generated images. These can appear on social media, websites, or even within apps, often advertising products that are too good to be true. AI can create hyper-realistic product photos and convincing descriptions, leading you to click and provide personal details or even make payments for non-existent items. 
• Deepfake Videos: Deepfakes—hyper-realistic videos that manipulate a person’s likeness and voice—have grown increasingly sophisticated. Scammers can use deepfakes to impersonate influential individuals, such as celebrities or business executives, making it seem as if they’re giving orders or making announcements. These videos can be used to deceive employees into transferring funds or sharing confidential information. 
• Fake or Cloned Voices: AI-driven voice cloning is another growing threat. Scammers can mimic someone’s voice, such as a CEO or a family member, to manipulate individuals into making financial transfers or divulging sensitive data. These cloned voices sound so real that they can easily trick even the most cautious person. 

How to Detect AI-Generated Content

1. Examine the Source: Always double-check the sender’s email address or phone number. Phishing and smishing scams often use slight variations of a trusted brand or individual’s contact details, such as replacing “@” with “0” or using strange domain names. 
2. Check for Suspicious Links or Attachments: Hover over any links in emails or messages to see if the URL looks legitimate. Avoid clicking on any links or downloading attachments unless you’re certain the message is from a trusted source. 
3. Look for Red Flags in AI Images or Ads: AI-generated images can sometimes have subtle inconsistencies, like distorted backgrounds, mismatched lighting, or unnatural details. If an ad looks too polished or offers an unrealistic deal, it’s worth investigating further before taking any action. 
4. Analyze Video and Audio Content Carefully: When watching videos or listening to voice messages, pay attention to any irregularities in speech patterns, facial movements, or background noise. Deepfakes may struggle with certain details, like inconsistencies in lighting or unnatural eye movements. Similarly, AI-generated voices may lack certain vocal nuances that a real person’s voice would naturally have. 

General Tips to Stay Safe

• Enable Two-Factor Authentication (2FA): Adding an extra layer of security to your accounts makes it harder for scammers to access your sensitive information. 
• Stay Informed: Cybercriminals are constantly evolving their tactics. Stay updated on the latest AI scams and learn how to recognize them. 
• Use AI Tools Cautiously: While AI can be a powerful tool, make sure you're using reputable services and platforms that protect your privacy. 
• Verify Before You Act: If you receive a suspicious request, whether via email, text, or phone call, always verify the source through an independent channel before taking any action. 

As AI continues to grow, so do the opportunities for scams. By staying vigilant and following best practices, you can help protect yourself from falling prey to these sophisticated threats. Always remember, if something seems too good to be true—or if it feels off—take the extra time to verify before responding. 

Scammers are getting more sophisticated, and people are losing big money to their schemes. Here's how they trick you: 

1. Someone posing as a trusted company reaches out, claiming they spotted fraud on your account and that your money isn't safe.
2. They connect you with so-called "expert" to help you move your money to a "secure" place. 
3. The "helper" — who often claims to be from the government — is really just after your money.

Watch out for these red flags:

If someone asks you to: 

• "Move your money to a secure account to protect it."
• "Transfer funds to a cryptocurrency account for safekeeping."
• "Withdraw cash and give it to a courier."
• "Deposit cash at a Bitcoin ATM to keep it safe."
• "Buy gold and have it picked up."

It's a scam. Every. Single. Time.

No government agency or legitimate company will every ask you to do these things. Only scammers will.

Stay safe:

Never send money, cryptocurrency, cash or gold to anyone you don't know in response to an unexpected call or message. If you are being driven by fear or panic to make a withdrawal, you are being scammed.

Starting Fresh: Securing Your New Tech

Unboxed some shiny new tech over the holidays? Whether it's a smartphone, laptop, or smart home gadget, January is the perfect time to make sure your new devices are secure. After all, nothing ruins the joy of new tech faster than falling victim to cyber threats. Here’s how to get started and keep your digital life safe:

1. Lock It Down. First things first: set up strong passwords or passphrases on every device. Skip the obvious ones like “123456” or “password” (we’re looking at you, procrastinators). Instead, use a mix of letters, numbers, and symbols. Check out our pro tips for strong passwords, here.

2. Update Everything. That “software update available” pop-up? Don’t ignore it. Updates fix security issues that hackers can exploit. Enable automatic updates so your devices stay protected without you lifting a finger.

3. Turn on Two-Factor Authentication (2FA). For any accounts linked to your new devices, enable 2FA. It’s an extra step that requires a code sent to your phone or email. Even if someone cracks your password, they won’t get in without this second layer of protection.

4. Review Default Settings. Manufacturers often prioritize convenience over security. Take a few minutes to review your device settings, disable unnecessary features, and adjust permissions to protect your data.

5. Secure Your Smart Home. Smart speakers, thermostats, and cameras are convenient, but they can also be targets. Change default passwords, set up a separate Wi-Fi network for smart devices, and regularly update their firmware to keep them secure. Check here for more tips on home devices.

6. Back It Up. Accidents happen. Make sure your new devices have a backup mechanism for important files, photos, and data. Use cloud storage or an external drive so you’re ready for anything.

We’re here to help you stay ahead of the curve—whether it’s your finances or your digital safety. A little time spent securing your devices now can save you big headaches later. 

Need more tips? Visit our security hub to see more.