Fraudsters are becoming more convincing than ever—and knowing how to spot a scam is one of the best ways to protect your money, your identity, and your peace of mind. Whether criminals impersonate someone you trust, create emotional traps, or send deceptive emails and texts, their goal is the same: access to your personal information or your accounts.
At Radiant, your security is always a top priority. This guide breaks down today’s most common scams, the red flags to watch for, and the simple steps you can take to stay safe. If something ever feels off, we encourage you to stop, verify, and contact us directly. For now, here are 4 common scams to look out for in 2026.
1. Impersonation Scams
Fraudsters pretend to be someone you trust—your bank, a government agency, a company you do business with, or even a family member.
Their goal: Get access to your accounts, your personal information, or your money.
Stay safe:
- Verify before you trust. Hang up and call the organization using the official number, not the one provided by the caller.
- Never share personal or financial information with an unexpected caller.
2. Romance Scams
Scammers create fake online personas to build relationships and emotional connection—then ask for money, gift cards, or “urgent” help.
Stay safe:
- Be cautious with online-only relationships.
- Do not send money, gift cards, or payments to someone you’ve never met in person.
- Talk to a trusted friend or family member before sending funds.
3. Phishing Emails & Texts
These look like legitimate messages from banks, delivery companies, online stores, or even Radiant—but link to fake websites designed to steal your login credentials.
Stay safe:
- Never click on unexpected links.
- Check the sender’s email address carefully.
- When in doubt, delete the message and contact the company directly.
4. Fake “Fraud Alert” Calls or Texts
Scammers may claim to be Radiant’s Fraud Department and try to trick you into “verifying” account information—or pressuring you to move money to a “safe account.”
Radiant will NEVER:
- Ask for your online banking password
- Ask for your full debit card PIN
- Ask for a one-time passcode sent to your device
- Tell you to move money to protect it
- Threaten account closure if you don’t act immediately
If someone is asking for any of these, it is not Radiant.
How to Report Suspicious Activity
As scams to look out for in 2026 continue to evolve, it’s more important than ever to stay alert and trust your instincts. If you ever receive a call, text, or email that feels unusual or uncomfortable, please contact us immediately. You can report fraud or verify any message by calling Radiant directly:
Radiant Credit Union Fraud & Member Services: (352) 381-5200 or (877) 786-7828
We're here to help—no question is too small, and your financial safety always comes first.