New scam trends to know and how to protect yourself this year
Fraud tactics continue to evolve, and 2026 is already bringing new scam trends that are more sophisticated and harder to spot. Criminals are using advanced technology and social engineering to make their messages, calls, and requests look more legitimate than ever.
Staying informed is one of the best ways to protect your accounts. Below are several fraud trends gaining momentum this year and what to watch for.
Smooshing: When Your Phone Number Is the Target
Smooshing is an emerging form of SIM-swap fraud. In these cases, scammers attempt to take control of your mobile phone number by convincing a carrier to transfer it to a different device. Once successful, they can intercept security codes, account alerts, and password reset messages.
How to protect yourself: If your phone suddenly loses service or stops receiving calls or texts, contact your mobile carrier immediately and notify your bank.
QR Code Tampering
QR codes are now commonly used for payments, menus, parking, and event access. Scammers are placing fake stickers over legitimate QR codes that redirect users to fraudulent websites designed to collect login information or payment details.
How to protect yourself: Avoid scanning QR codes that appear damaged, altered, or out of place. When possible, type website addresses directly into your browser.
AI-Generated Voice Scams
Advances in artificial intelligence allow scammers to create convincing voice imitations using only a short audio sample. These calls often sound like a trusted family member, coworker, or supervisor and typically include urgent requests for money or sensitive information.
How to protect yourself: Pause and verify unexpected requests by contacting the person directly using a trusted phone number or separate method of communication.
Money Mule Recruitment Disguised as Jobs
Criminals continue to post fake job listings that promise quick income or remote work. These roles often involve moving money, depositing checks, or processing payments through a personal bank account.
How to protect yourself: Legitimate employers will never ask you to use your personal bank account to transfer or receive funds.
Deepfake Impersonation Scams
Some scams now use realistic images, videos, or messages to impersonate executives, business owners, or family members. These requests may appear professional and believable, but they are designed to pressure fast action without verification.
How to protect yourself: Unexpected payment or information requests should always be confirmed, even if they appear to come from someone you know.
Your Best Defense in 2026
- Take time to review unexpected messages or requests
- Avoid clicking unfamiliar links or scanning suspicious QR codes
- Use strong passwords and enable multi-factor authentication
- Contact F&M Bank if something does not feel right
Fraud tactics will continue to change, but staying informed and slowing down before you act can make all the difference. F&M Bank is committed to helping you stay secure in 2026 and beyond.
Explore more fraud prevention resources
If you ever suspect any fraudulent activity or encounter a potential scam, please contact us immediately or visit your nearest F&M Bank office.