Smishing Text Message Scam

We want to alert our members anytime fraudsters are impersonating LincOne through smishing text messages. These scammers send fake alerts that may appear urgent and direct you to click on suspicious links, often leading to fraudulent websites designed to steal your personal or financial information.

Recently, members have reported receiving texts with subject lines like “LINCONE_MSG” and links to non-LincOne websites. Here is an example of the phishing text message:

Remember: LincOne will NEVER text you to request your:

• Online Banking or Mobile App login credentials
• One-time passwords (OTP)
• Card numbers or personal financial information

Protect Yourself By:

• Ignore and delete suspicious messages immediately. 
• Do not click on unexpected texts or emails. 
• Report fraudulent messages to us directly so we can help protect other members. A big thank you to the member who received this and promptly notified us of this phishing attempt!
• Use the LincOne mobile app or online banking to monitor your accounts and lock your card instantly if you suspect unauthorized activity. 

What is Smishing?

Smishing (SMS phishing) is when scammers use text messages to impersonate trusted organizations like LincOne. The texts often include fake links or urgent messages such as "pending issues" to pressure you into acting quickly. 

Always verify messages by contacting LincOne directly through our official phone number, website, or mobile apo, not through a link in a text. 

Be Cautious with Embedded Links

Scammers hide malicious websites behind text or image links. On a computer, you can hover over a link to preview the real URL. On a mobile device, long-press the link to see its true destination. If it doesn't match our official website www.linconefcu.org, don't click.

Watch for other red flags such as:

• Poor spelling and grammar
• Urgent or threatening language
• Generic greetings instead of your name

Your Security Is Our Priority 

We are committed to keeping your accounts safe. Please stay vigilant, and if you ever have doubts about a message, contact us directly through our official channels.