Your financial security is a top priority and staying informed about both cyber and financial safety is essential.

Before sending money to anyone, take a moment to consider these six key questions: 

1. Is the person or entity known to me?
   Scammers often pretend to be someone you know so that you will give them your money and information. If something feels off, ask the person a question that only the true person known to you would know the answer to. If someone is contacting you claiming to be from a company and asking for your personal information, hang up or do not reply, and call the company from the phone number on their website. Remember, real companies will not call you and request your personal and financial information. 
   
   
2. Has their identity been verified?
   You should always confirm the person’s identity through official contact details. Do not trust links or numbers provided in a message from someone. 
   
   
3. Am I being rushed or pressured?
   Scammers create urgency to prevent victims from thinking through their decisions. They may use threatening or hurried language to make you feel pressured into doing what they ask right away.
   
   
4. Is the payment method unusual?
   Fraudulent Interac links, as well as gift cards, cryptocurrency, and wire transfers are common scam tactics. If you are unfamiliar with the payment method or it does not seem legitimate, it may be a scam. Do not send payment to a person or entity that is unknown to you. 
   
   
5. Is it too good to be true?
   Promises of guaranteed returns or instant wealth are classic scam tactics. If it seems too good to be true, be aware that it may be a scam. 
   
   
6. Have I talked to someone I trust?
   A second opinion from a trusted family member, friend, or Provincial Credit Union employee can help you spot a scam. If you are unsure if an email or phone call is a scam, talk to one of our employees. You can call your local branch and get trusted advice about your finances.  

To stay aware of various types of scams, visit the  Canadian Anti-Fraud Centre.