News & Insights

In today's digital age, scam text messages are not just targeting adults; children and teenagers with mobile phones are equally at risk. These deceptive messages may claim issues like unpaid tolls or problems with online accounts, aiming to steal personal information or money. It's essential to educate your children about these scams to ensure their safety.​

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Understanding Text Scams

Scammers often impersonate familiar entities such as schools or well-known companies. They might claim there's a problem or announce a prize to prompt a quick response. Their tactics include creating a sense of urgency to pressure the recipient into acting without thinking. Often, they request payments through methods like cash, gift cards, wire transfers, cryptocurrency, or payment apps—transactions that are difficult to reverse.​

Strategies to Educate Your Children

Identify the Scam Signs

Teach your children to recognize common scam indicators:​

• Unexpected messages claiming issues with accounts or offering prizes.
• Requests for personal information or immediate action.​
• Pressure tactics urging quick responses.​
• Unusual payment requests, especially via untraceable methods.​
  
  

Interactive Learning

Make it a game. Ask your child to show you suspicious messages and explain why they might be scams. Reward correct identifications to encourage vigilance.​

Safe Practices

Instruct them to delete suspicious texts and never respond. Show them how to block and report such numbers on their devices.​

Open Communication

Encourage your children to discuss any unusual messages they receive. Assure them that it's safe to ask for guidance when in doubt.

By fostering awareness and open dialogue, you empower your children to navigate their digital interactions safely. For more information on protecting your family from text scams, visit the Federal Trade Commission's Consumer Advice page on talking to your kids about text scams.​

At Liberty Savings Bank, we prioritize your family's security. Stay informed and proactive to protect against digital threats.