2026 Fraud Trends You Need to Know
Fraudsters are constantly evolving, and as technology advances, so do the schemes meant to deceive even the most careful consumers. Several new fraud trends are gaining momentum in 2026, and the best defense is staying aware.
Here’s a closer look at the biggest threats we’re tracking, along with practical tips to help you stay safe.
ATM Attacks Are Becoming More Sophisticated
ATM fraud isn’t just about the old “skimmer” devices anymore. Criminals are using deep-insert skimmers, called “shimmers,” to target chip cards, as well as malware to make ATMs dispense large amounts of cash.
The good news? Most of these attacks can be avoided by sticking to well-lit, busy ATMs and giving the card slot a quick check before using it. If something feels off, trust your instincts and choose another machine.
Account-Takeover Text Scams Are Getting Smarter
Text-message scams, or “smishing,” are harder to spot than ever. Fraudsters often impersonate your bank with urgent messages like, “Your account has been locked. Verify your identity now.” These messages usually link to fake login pages designed to steal your information.
FMB will never ask you to click a link to verify personal information. If you’re unsure about a text, call us directly using the number on our website or the back of your debit card. And remember, if a message pressures you to act quickly, it’s almost always a scam.
Fake Peer-to-Peer Payment Requests
P2P apps like Zelle, Venmo, and Cash App are convenient, but they’ve also become targets for fraud. A common scam involves someone posing as a trusted contact (or even you!) using a spoofed phone number or cloned social media profile. They’ll request a small, urgent payment with excuses like:
“Can you send me $50? I’m locked out of my account.”
“I accidentally sent you money. Can you send it back?”
Once the money is sent, it’s usually gone for good. Always call the person directly before sending money, even if the request looks real.
Email Spoofing That Looks Shockingly Real
AI tools have made scam emails more convincing than ever. Criminals can copy logos, mimic writing styles, and use email addresses that are just a letter or two off from the real one. These emails may request payment, personal information, or verification of your online banking login.
If an email seems unexpected, pause before clicking anything. Hover over links, check the sender’s address carefully, and when in doubt, reach out to the company directly.
Protect Yourself Today to Avoid Problems Tomorrow
Fraud may continue to evolve, but so do the safeguards that keep you protected. Simple habits can go a long way:
- Enable account alerts
- Use strong, unique passwords
- Keep your devices updated
- Contact FMB if you notice anything suspicious
FMB is here to help you feel confident and informed about your financial security. If you ever have questions about a message, transaction, or suspicious activity, don’t hesitate to reach out. We’re your neighbor, your bank, and your partner in staying safe.