… more specifically your accounts at any financial institution.
“Newer scams use The National Automatic Clearing House Association, the Electronic Federal Tax Payment System, the U.S. Postal Service, private delivery firms, telecommunications companies and social media providers.”
What has not changed is clicking on, or using, a link within the notice. You get redirected where malicious software may be installed on your computer (or phone) … or you mistakenly give the information directly to them by typing it in on their false site.
Malicious advertisements on search engines, news sites, and prominent sites are also used. Fraudulent messages sent from social media sites have become popular. All these scams take advantage of your not expecting trouble and trusting the main website
1) Google the institution, if the company is not one you already use, and use that link for their process or practice for the institution from their website.
2) Even for institutions you already use, go directly to their website either by typing the address or using your favorites, and then perform the process or action on the real website.
3) Install security software (and keep it updated) on your computer, and your phone, to have help blocking and identifying risks. But, they don’t catch everything so keep your guard up using step 1 or 2.
4) Beware of ads and social media notices, etc. … these take advantage of your guard being down on a site you already trust … but don’t necessarily trust content that is not from the website itself, but merely posted on the website as an ad or widget, etc.
Think carefully before you react to any notice! There is a key emotion, what ever it is you feel when they ping you … criminals seek to exploit … stop and think before you react to notices.