AI Scams Are Getting Smarter

AI Scams Are Getting Smarter. Here's How to Protect Yourself.

From the Case Files of Sherlock, First State Bank's Scam Sniffer
 

Artificial Intelligence (AI) is changing the world around us in incredible ways, but unfortunately, scammers are using it too.

What used to be obvious fraud attempts are now becoming harder to recognize. Criminals can now clone voices, fake phone numbers, create realistic videos, and send messages that look like they're coming from someone you trust.

At First State Bank, we want our communities to stay informed and protected. That's why Sherlock is on the case.

What Is an AI Scam?
AI scams happen when fraudsters use artificial intelligence technology to impersonate real people or companies in order to steal money or personal information. These scams are designed to create panic, urgency, or trust causing people to act before they stop and think. 

Scammers may pretend to be:

  • Your bank
  • A family member
  • Your employer
  • A government agency
  • A delivery company
  • Tech support
  • Even your child or grandchild

And with AI technology, they can sound and look surprisingly real.

Common AI Scam Tactics Happening Right Now

Voice Cloning Scams
Scammers can now clone someone's voice using just a short audio clip found online. You may receive a call that sounds exactly like your spouse, child, boss, coworker, etc. The caller may claim there's an emergency and ask you to send money immediately.

If emotions are high and urgency is involved, pause before reacting.
 
Fake Fraud Alert Calls & Texts
You may receive a text saying: "Suspicious activity detected on your account." Or a caller claiming to be from your bank asking for:
  • passwords
  • security codes
  • online banking credentials
  • debit card information
Important Reminder
First State Bank will NEVER ask for:
  • your password
  • authentication codes
  • full debit card PIN
  • online banking login information
AI-Generated Videos & Images
AI can now create highly realistic fake videos and images that appear authentic. Scammers may use these:
  • on social media
  • in fake advertisements
  • during impersonation attempts
  • to spread misinformation

Not everything online is real anymore. Even if it looks convincing.

Red Flags to Watch For

  • Urgent requests for money or information
  • Pressure to act immediately
  • Requests for gift cards or wire transfers
  • Unexpected phone calls or texts
  • Links or attachments you weren't expecting
  • Messages asking for passwords or verification codes
  • Calls that feel emotionally manipulative

How to Protect Yourself From AI Scams

Stop - Scammers want you to react quickly. Slow down before responding.

Call - Contact the person or company directly using a trusted phone number, not the number provided in the message.

Verify - Confirm requests before sending money or sharing information.

Protect Your Information
Avoid sharing:

  • passwords
  • login credentials
  • account verification codes
  • sensitive personal information

Talk to Your Family About AI Scams
These scams don't just target older adults. Children, teens, parents, business owners, and employees are all being targeted in different ways. Having conversations about online safety and fraud awareness can help prevent scams before they happen.

Sherlock's Final Word
Scammers are getting smarter, but our communities can too. The best defense against fraud is awareness. By staying informed and slowing down before reacting, you can better protect yourself and the people you care about.

If you ever receive a suspicious call, text, or message claiming to be from First State Bank, contact us directly before taking action.

Remember: Stop. Call. Verify.