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October is Cybersecurity Awareness Month, a reminder to pause before responding to an unexpected message or before sending money. A few extra minutes could protect your savings.
Georgia recorded 67,703 fraud reports and more than $291 million in reported losses in 2024, according to the American Bankers Association. Behind those numbers are people, families, and businesses in communities like ours.
Today’s scammers have become increasingly sophisticated. Scams often begin before money reaches the banking system. A text, call, email, or online ad may appear to come from your bank, a government agency or someone you know. Scammers may claim there is a problem with your account or an emergency that requires you to act now.
These simple habits can help you protect yourself:
- Slow down. Pressure to act right away is a warning sign. Take time to talk with someone you trust.
- Verify the request. Call using a number you know is correct, such as the one on your bank card. Caller ID can be faked.
- Avoid unexpected links. Open the organization’s official website or app yourself instead of clicking a link in a message.
- Question payment demands. Be wary of anyone insisting on gift cards, cryptocurrency, or a wire transfer.
- Ask your bank. Before sending money or sharing account details, contact your bank if something seems wrong.
Touchmark National Bank President and CEO Bobby Krimmel advises, “Scammers push you to act quickly before you have a chance to recognize a scam. Taking a moment to pause and call your bank could make all the difference in protecting your money.”
Make a habit of checking your accounts regularly and reviewing alerts carefully. If you notice a payment you do not recognize, reach out to your bank. Even if a message looks familiar, check it through a trusted channel before you reply or share any personal information.
If you think you have been scammed, contact your bank or payment provider immediately and report it at ReportFraud.ftc.gov. Use this 5-Step Fraud Response Plan to protect yourself and your money. Acting quickly may help limit the damage.
At Touchmark National Bank, we encourage our customers and neighbors to remember: If something doesn’t feel right, stop before you act.
Touchmark National Bank is a relationship-based community bank headquartered in Alpharetta, Georgia – Your Alternative to the Big Bank. Learn more at www.touchmarkbank.com.
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