Protect Members From Scams & Your Bottom Line
Give members a branded hub to check suspicious messages, learn about new scams, and get help if they fall victim. Reduce write-offs and prevent member churn from scam incidents—a complete scam prevention program live in minutes with zero IT lift.
URGENT: Did you attempt a Wire Transfer of $8,400.00? Reply NO to cancel immediately or your account will be debited.
I accidentally sent a check for $2,500 instead of $500! Please deposit it and Zelle the difference to my movers?
Thank you for your auto-renewal. You have been charged $499.99. Call +1 (800) 555-0199 within 24hr to dispute this charge.
I've made $47,000 this month with crypto! I can show you how—just need your account to get started. Trust me!
Fraud is growing. Fast.
Credit unions are facing unprecedented losses from scams targeting their members.
We help your members stop every type of scam
ScamZero checks for both technical and behavioral tricks to catch scammers.
Fake Invoice Scams
Scammers send fake invoices for services the member never ordered—like GeekSquad, Norton, or Amazon subscriptions. The goal is to get victims to call a fake "support" number where they'll be pressured into payments or remote access.
"Thank you for your auto-renewal. You have been charged $499.99 for GeekSquad Protection. Call +1 (800) 555-0199 within 24hr to dispute."
Bank & Credit Union Impersonation
Fraudsters pretend to be from the member's financial institution, claiming there's suspicious activity or account issues. They create urgency to get login credentials, card numbers, or direct money transfers.
"FRAUD ALERT: Did you attempt a wire transfer of $8,400.00? Reply NO to cancel immediately or your account will be debited."
Romance & Pig Butchering Scams
Long-con scams that build relationships over weeks or months before asking for money. "Pig butchering" scams groom victims into fake cryptocurrency investments. Military romance scams target lonely individuals with fabricated stories.
"I've made $47,000 this month with a special trading platform! I can show you how—just need to set up your account. Trust me, I care about you."
Family Emergency Scams
"Grandparent scams" where someone claims to be a family member in trouble—arrested, in an accident, or stranded overseas. They demand immediate wire transfers or gift cards and insist on secrecy. Often uses AI voice cloning.
"Grandma, it's me! I'm in jail and need $5,000 for bail right now. Please don't tell mom and dad—I'm so embarrassed. Can you buy gift cards?"
Toll Road & Parking Scams
Fake text messages claiming unpaid tolls or parking violations with links to phishing sites. Also includes QR code scams on parking meters that redirect to fraudulent payment pages. These are exploding in 2024-2025.
"E-ZPass: You have an unpaid toll of $6.99. Pay now to avoid a $50 late fee: https://ezpass-payment.tollway-alert.com"
Tech Support Scams
Pop-ups, calls, or emails claiming the member's computer is infected or their account is compromised. Scammers demand payment for fake services or trick victims into installing remote access software, giving full control.
"SECURITY ALERT: Your computer has been infected! Call Microsoft Support immediately at 1-888-555-0123 to prevent data loss."
Package Delivery Scams
Fake delivery notifications claiming a package couldn't be delivered or requires customs payment. Links lead to phishing sites that steal credit card info or install malware. Impersonate FedEx, UPS, USPS, and DHL.
"FedEx: Your package is on hold. A shipping fee of $2.99 is required for delivery. Update payment: fedex-delivery-update.com"
Government Impersonation
Scammers pose as IRS, Social Security, Medicare, or law enforcement demanding immediate payment to avoid arrest or penalties. They often use spoofed caller IDs and official-sounding language to intimidate victims.
"IRS NOTICE: You owe $4,827 in back taxes. Failure to pay immediately will result in arrest. Call 1-800-555-0147 to settle."
QR Code Scams (Quishing)
Malicious QR codes placed on parking meters, restaurant menus, or sent via email. When scanned, they lead to fake login pages, payment request sites, or malware downloads. Harder to detect because URLs are hidden.
[QR Code Image]
"Scan to pay for parking - City of Austin Official Payment"
Account Verification Phishing
Fake "verify your account" or "password reset" emails designed to steal login credentials. Links lead to convincing fake login pages for banks, email providers, or social media. Often claim account will be suspended.
"Your Apple ID has been locked due to suspicious activity. Verify your identity within 24 hours or your account will be permanently disabled."
CEO/Business Email Compromise
Scammers impersonate executives or vendors to trick employees into wiring money or changing payment details. Uses spoofed emails, compromised accounts, or lookalike domains. Often targets payroll or accounts payable.
"Hi, I need you to process an urgent wire transfer of $28,500 to a new vendor. I'm in a meeting—please handle ASAP and keep this confidential. -CEO"
Lottery & Prize Scams
Messages claiming you've won a lottery, sweepstakes, or prize you never entered. To claim winnings, victims must pay "taxes," "processing fees," or provide banking information. The prize doesn't exist.
"CONGRATULATIONS! You've won $850,000 in the International Lottery! To claim, pay a processing fee of $499 via wire transfer."
Fake Job Offer Scams
Scammers post fake job listings or contact job seekers directly with high-paying "remote" positions. They request personal information, upfront payments for "equipment," or use victims as money mules for check fraud.
"You're hired! We'll send a $3,500 check to purchase equipment. Deposit it and wire the remaining balance to our vendor."
Crypto Investment Scams
Fake cryptocurrency investment platforms promising guaranteed returns. Victims deposit funds into scammer-controlled wallets and see fake "profits" on dashboards. Withdrawals are impossible. Often combined with romance scams.
"Your account balance: $127,450. To withdraw, you must pay a 15% tax fee of $19,117.50. Send Bitcoin to wallet: 1A2b3C..."
Overpayment & Check Scams
Buyer "accidentally" sends a check for more than the purchase price and asks you to wire back the difference. The original check bounces after you've sent real money. Common on Marketplace, Craigslist, and rental scams.
"I accidentally sent a check for $2,500 instead of $500! Please deposit it and Zelle the $2,000 difference to my movers?"
Gift Card Payment Scams
Any legitimate business or government will NEVER ask for payment via gift cards. Scammers demand gift cards because they're untraceable—once you read the codes, the money is gone forever. Common in all scam types.
"To avoid arrest, purchase $500 in Google Play gift cards and read me the codes over the phone. This is urgent—do not hang up."
Zelle "Pay Yourself" Scam
A sophisticated impostor scam. You get a text about fraud, then a call from "your credit union." They tell you to "reverse" the fraud by Zelle-ing money to your own phone number. The money actually goes to the scammer.
"Security: To reverse the unauthorized charge of $500, please open Zelle and send $500 to your own mobile number. This will cancel the pending transaction."
Rental & Real Estate Fraud
Fake listings for apartments or vacation homes. The "landlord" claims to be out of the country and demands a security deposit via wire transfer or app before you can see the property.
"I am currently doing missionary work in Africa so I cannot show the house. Feel free to look in the windows. Wire the deposit to secure it today."
Student Loan Forgiveness
Scammers exploit confusion over changing laws. They promise immediate debt forgiveness in exchange for an upfront "processing fee" or your Federal Student Aid (FSA) login credentials.
"FINAL NOTICE: You are eligible for $20,000 in loan forgiveness. Your eligibility expires in 24 hours. Click to file your claim: student-aid-gov-relief.com"
A safety hub they'll actually use
White-labeled to your organization, powered by ScamZero.
See how it works before you commit
Stop the money from leaving the account
When a new scam targets your members, you can warn them first—before they wire $10,000 to a "grandchild" or Zelle money to a fake fraud department.
We track the scams hitting credit union members right now—like the Zelle "pay yourself" scam and fake fraud alerts.
Each alert appears on your portal so members can learn about the threat directly—no signup required.
We also provide email templates and social media posts so you can warn your members proactively. You choose which threats to share where.
AI-Powered Holiday Scams Surge
What's Happening
How the Scam Works
Warning Signs
How to Protect Yourself
Turn a crisis into loyalty
When a member gets scammed, they're scared and looking for someone to blame. Our automated assistant guides them through recovery immediately—so you're remembered as the institution that helped, not the one that let it happen.
Members get instant answers on what to do—even at 2 AM when your call center is closed.
Each checklist is tailored to the specific scam—Zelle fraud, wire transfers, check fraud, etc.
Handle the emotional "hand-holding" phase so your team can focus on the fraud case itself.
Live in minutes
No core integration. No IT resources. We host it for you or on your subdomain.
Choose Your Setup
We can host your safety hub for you, or you add one DNS record to put it on your subdomain.
Customize Branding
Upload your logo, set your colors, and add your official contact info for member verification.
Go Live
Your branded safety hub is live. Members can check scams and verify your real contacts.
Who ScamZero helps
ScamZero serves your members, your examiners, and your team—all from one simple platform.
For Your Members
A branded hub where members can verify suspicious texts, emails, and contacts instantly—before they lose money.
For Your Examiners
Downloadable audit logs showing exactly when and how you warned members, supporting NCUA fraud prevention expectations.
For Your Team
A fully hosted solution that requires no IT resources or core banking access. Live in minutes with zero integration.
Start your free 14-day trial
Get a fully white-labeled safety hub for your members—no credit card, no commitment, no IT work.
- Your subdomain (e.g., horizoncu.scamzero.com)
- Upload your logo instantly
- Full AI scam analysis for your members
- Trial expires automatically—no strings attached
Not ready to commit? Try the demo first →
See ScamZero in action
15-minute demo. We'll show you the branded hub, the AI checks, and how fast you can go live.
- See the safety hub with your branding
- Watch the AI analyze real scam examples
- Learn how Legitimate Contact Verification works