Skip to main content
Save money with 1st Rewards, included with a checking account.

Summer is a time for fun and letting go of our worries. Unfortunately, criminals don't go on vacation and often use this time of year to scam unsuspecting victims out of their hard-earned money. Whether it's fraudulent vacation packages or phony charity solicitations, scammers are always looking for new ways to take advantage of unsuspecting victims. However, by following these six simple tips, you can stay scam-free this summer and enjoy all the season has to offer.

Travel-related Scams

Do your research before booking any travel arrangements. Scammers often prey on people looking for affordable vacation deals, so be sure to research the company or website offering the deal before making any payments. Look for reviews and feedback from other travelers to ensure you're not being scammed.

Phishing (not the relaxing kind)

Watch out for phishing emails and texts. Phishing is when scammers try to trick you into giving them sensitive information by posing as a legitimate company or organization. These emails and texts may look like they're from a trusted source, but they'll often ask you to click on a link or provide personal information. To avoid falling for a phishing scam, never click on links in unsolicited emails or texts, and always verify the authenticity of the message before sharing any information.

Fake Charities

Don't fall for charity scams. Unfortunately, scammers often use tragic events to solicit donations from well-meaning individuals. Before giving any money to a charity, research the organization and make sure they're legitimate. You can use sites like Charity Navigator to check a charity's legitimacy and see how their funds are used.

Be Cautious if You're Looking for a Home

Be wary of fake rental listings. If you're planning to move over the summer, be sure to research rental listings thoroughly. Scammers often create fake listings for apartments or homes and try to get unsuspecting victims to pay a down payment on the property. To avoid falling for this particular scam, always visit the property in person before paying any money and never make payments by wire or by cashier's check. This applies to vacation rentals too. Scammers may create fake listings and ask for payment upfront, then disappear without providing any accommodation.

Be Careful if it Sounds too Good to Be True

Don't trust unsolicited investment opportunities. If someone contacts you out of the blue with an investment opportunity that sounds too good to be true, it probably is. Scammers often use high-pressure tactics and promises of quick profits to lure people into fraudulent investment schemes. To protect yourself, always do your due diligence before investing in anything, and never give money to someone you don't know or trust.

Don't Fall for Kidnapping Scams

Kidnapping scams are when scammers call or text claiming to have kidnapped a loved one and demanding money for their release. They may provide details that sound convincing, such as the name of your loved one or even personal information like birthdays. With the explosion of artificial intelligence (AI), they may even use natural language processing that sounds exactly like your loved one. To avoid falling for this scam, never pay any ransom demands without verifying the story first. Hang up and contact your loved one directly to verify their whereabouts.

Summer is a time for fun and relaxation, but it's important to stay vigilant and aware of potential scams. Scammers often use high-pressure tactics or urgent situations to get you to act quickly without thinking things through. Take a step back and trust your instincts before making any payments or sharing any information. By following these simple tips, you can ensure that your summer is scam-free and full of fun memories.