Fraud Alert: Smishing scams are getting smarter. Here’s What to Watch For

December 18, 2025 By: bankofeaston

Fraudsters are becoming more sophisticated every year, and 2025 has been no exception. Scam messages are harder to spot than they used to be, and the best defense is knowing what to look for — and when to pause.

Below are the most common fraud scams we’re seeing right now, along with simple steps you can take to protect yourself.

1. Smishing (Text Message Fraud)
Scammers send convincing text messages that appear to come from banks, delivery services, or government agencies. These messages often urge you to click a link, call a number, or share a security code.

Tip:
Never click on links or call phone numbers in unexpected text messages. If you’re unsure, contact the company or your bank using a phone number you trust — such as the one on your statement, debit card, or official website.

2. Bank Impersonation / “Safe Account” Scams
Fraudsters pose as bank employees and claim your account is compromised. They may pressure you to move money to a so-called “safe account,” which they control.

Tip:
We will never ask you to move your money for security reasons. If someone makes this request, hang up immediately and contact us directly using an official number.

3. Investment Scams
Scammers promise unusually high or “guaranteed” returns, often tied to cryptocurrency, precious metals, or exclusive opportunities.

Tip:
If it sounds too good to be true, it probably is. Always seek independent advice before investing or sending money.

4. Romance Scams
Fraudsters create fake online identities to build trust and emotional relationships, then ask for money, gift cards, or personal information.

Tip:
Never send money or gifts to someone you haven’t met in person — no matter how convincing the story may be.

5. Money Mule Recruitment
Scammers offer “easy money” jobs that involve moving funds through your bank account on someone else’s behalf.

Tip:
Never agree to transfer money for someone else or allow others to use your bank account. This is illegal and can leave you financially responsible.

6. Shopping Scams
Fake or cloned websites and social media ads offer deeply discounted products that never arrive.

Tip:
Stick to retailers you trust, check reviews carefully, and be cautious of prices that seem unrealistically low.

We’re Here to Help
If you believe you’ve been targeted or may have shared information, contact us at 508-238-1000. A Bank of Easton staff person will assist you immediately.

For customers who want a deeper look at how text-based fraud is evolving — and how the financial and technology industries are fighting back — we recommend this recent article from TechRadar Pro:
“Smishing’s Evolution: From Consumer Scam to Enterprise Threat”

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