Centra Blog

Increasing your Financial IQ

Don’t get smished!

Smishing is basically phishing, where scammers try to get personal info by getting you to click a link or share a password. However, smishing uses a text message instead of an email. Phishers are like those sneaky anglers trying to lure you in with a fake message. Here’s what to do if you get a fishy text:
❔ Is the text from an unknown number, full of typos, or has bad grammar? Weirdness is a red flag!
❌ Don’t click on any links or reply to the message. Replying might confirm your number is active to scammers, making them even more aggressive.
⚠️ Report the phish! Most phones have a way to report spam texts. You can also forward the message to your carrier (check their website for instructions).

But wait, there’s more! Here are some extra lines of defense to stay smish-proof:
✔️ Enable two-factor authentication (2FA). Use this anywhere you can, especially in your digital banking settings. 2FA offers twice the protection over using a password alone.
✔️ Use a password vault. Strong passwords are like a secret fishing spot. No one should know them! A password vault app helps you create and store unique passwords for all your accounts securely.
✔️ Update your net. Just like a good fishing net, keep your phone’s software up to date to catch any security holes.

By following these tips, you can keep your information safe and avoid becoming a smishing victim. Remember, a little caution goes a long way in keeping your personal info secure!

Think you’re a victim of fraud? Visit our Fraud Awareness page for helpful tips and next steps if your personal info or accounts may be in jeopardy. You can also reference our Identity Theft Guide for next steps in the unfortunate event your personal information has been compromised.