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Don't Get Caught Off Guard

*Be skeptical - err on the side of caution. Do not volunteer any personal information.

*Know that your financial institution would NEVER send a text message to their customers that states: "The Card Center Alert: Your card has been DEACTIVATED. Please call."

*Know that your financial institution would NEVER, ever ask you for your usersname, password, account number, social security number or any other personal information via email or text message.

*Email is not a secure medium for sending personal or confidential information. Rather than risking that you may be emailing the fraudster, just contact your financial institution directly and explain what the email stated and verify if there is a problem with your account or if this was a phishing scam.

*Reconcile your debit/credit transactions to your statement each month to make sure the transactions are legitimate. If statements stop showing up or if you see unusual activity, call your bank immediately.