February 2026

Smishing or SMS phishing is about sending fake text messages claiming that the owner of the phone has won a free product or needs to enter information to correct an account mistake. Within the text message, there is a malicious URL link that lures the person into clicking the link or a fake phone number. After the user has clicked the link, that is when the hacking starts.

They may request:

• Credit card information
• Account passwords
• Account information
• Other valuable information

Tips to Prevent Becoming a Victim:
1: Avoid clicking on any messages with links. 
2: Do not reply to text messages that have asked you about any of your personal finances.
3: Call the business phone number that you know to see if it is a legitimate request before responding.
4: If the text message urges for a quick reply then that is a clear sign of Smishing! Don’t Respond!
5: Never call back a phone number that was associated with the text that concerns you.
6: Delete the fraudulent message.

Use the “cash-only” challenge!

For one week, pay with cash instead of cards. When you physically see the money leaving your wallet or pocketbook, you’ll think twice before spending. It’s a simple way to stay mindful of your purchases — and you may be surprised how much less you spend! 
 
Would you try a cash-only week?