Fraud Alert: Common Scams Targeting Consumers Today

Stay Informed. Stay Protected.

Financial scams are constantly evolving—and unfortunately, they’re hitting everyday people where it hurts. From fake job offers to cryptocurrency cons, criminals are getting smarter in how they trick people into giving up money or personal information.

At Bank of Winona, we want to help you recognize the red flags before it’s too late. Here are a few of the most common fraud schemes happening right now:

Job Scams

Scammers are posing as legitimate employers—offering remote jobs, quick money, or flexible hours. Once hired, victims are sent a check (often fake) and asked to deposit it, then return a portion of the funds via wire, gift cards, or crypto.

Red flags:

• You’re offered a job without an interview
• You’re asked to pay for training or equipment upfront
• The company uses generic emails or suspicious links
• You receive a check and are asked to send money back

Cryptocurrency Scams

Bitcoin and other digital currencies are hot targets for fraud. Scammers may pose as investment advisors, tech support, or even love interests—convincing you to send crypto in exchange for a promised return.

Red flags:

• Promises of guaranteed profits
• Pressure to invest quickly
• Instructions to buy or send crypto to “fix” an account
• Offers on social media or dating apps

Gift Card Scams

One of the most common tactics today involves criminals asking people to buy gift cards and share the numbers—often pretending to be a boss, government agent, or tech support rep.

Red flags:

• Someone claims you owe money and must pay with gift cards
• A “company” asks you to purchase gift cards for clients
• You’re told to scratch off the back and send photos or codes

How to Protect Yourself

• Never send money or personal info to someone you don’t know
• Be suspicious of urgent requests, especially involving gift cards or crypto
• Don’t click on links in suspicious emails or texts
• Verify job offers directly on a company’s official website
• Report any suspicious activity to your bank immediately

If it feels off, it probably is.

If you’re unsure about a transaction, message, or phone call—pause and talk to us first. We’re here to help you sort out what’s real and what’s a scam.

If you ever have questions about a suspicious check, unusual activity, or just want to learn more about how to protect yourself, our team is here for you.

Call us at (662) 283-3231 or stop by our branch at 312 N Applegate St. —we’re always happy to help.