How to Protect Yourself from Tax Season Scams

Tax time can be stressful — and scammers know it.

Every year, fraudsters take advantage of tax season to try to steal personal information or money. At UT Federal Credit Union, we want you to be prepared so you can protect your identity, your finances, and your peace of mind.

Here's what to watch for and how to stay safe.

Common Tax Scams to Watch For

1. IRS Imposter Scams

Scammers may call, email, text, or even send a fake letter pretending to be from the IRS. They may use aggressive language, demand immediate payment, or direct you to a website to "verify" information. Remember: the IRS will never contact you by email or text to request personal or financial information.

2. Fake Refund and Refund Theft Schemes

Criminals sometimes file fraudulent tax returns using stolen Social Security numbers to claim refunds before the real taxpayer files. Filing early can help reduce this risk.

3. Questionable Tax Preparers ("Ghost Preparers")

Some "tax professionals" offer big refunds or low fees, then disappear once they have your information — leaving you responsible for errors or fraud. Always work with credentialed preparers who sign your return and have a valid Preparer Tax Identification Number (PTIN).

4. Phishing Emails and Smishing Texts

Scammers send messages that look official to trick you into clicking a link that leads to a fake site or downloads malware. These messages often create a false sense of urgency.

Tips to Stay Safe During Tax Season

Go Direct — Don't Click Links

If you get a message claiming to be from the IRS or another tax authority, don't click any links. Instead, type the official website address into your browser to verify.

File Early

Submitting your return as soon as you’re ready can help prevent scammers from filing in your name.

Go Directly to Official Websites

Avoid clicking links in emails or texts. Instead, type the official website address into your browser.

Protect Your Personal Information

Keep your Social Security number, account details, and tax documents secure. Shred sensitive paperwork before discarding it.

Strengthen Your Online Security

Use strong, unique passwords and enable multi-factor authentication whenever possible — especially for email and financial accounts.

Monitor Your Accounts Regularly

Review your account activity through Digital Banking to quickly spot anything unusual.

Work with Trusted Professionals

If you use a tax preparer, verify their credentials and ask for their PTIN. Reputable preparers will be transparent about their qualifications.

What to Do If You Suspect a Scam

If you think you've been contacted by a scammer or notice suspicious activity:

• Don't respond to the communication.
• Report phishing emails to phishing@irs.gov.
• Call the IRS directly using a phone number from IRS.gov — not the number in the suspicious message.

How UTFCU Can Help Protect You

At UT Federal Credit Union, protecting our members is a top priority.

Here are ways we help you stay secure.

Fraud Monitoring & Alerts - We monitor for suspicious activity and notify you quickly if something looks unusual.

Digital Banking Controls - Manage alerts, review transactions, and monitor account activity anytime through Digital Banking.

Debit & Credit Card Protection - Our card services include security features designed to detect and prevent fraudulent transactions.

Financial Education Resources - We provide tools and education to help you recognize scams and protect your finances.

Personal Support - If you suspect fraud, our team is ready to help you take immediate action to secure your accounts.

If you ever feel unsure about a call, email, or message involving your UTFCU account, contact us directly. We are here to help!

Final Thoughts

Tax season scams continue to evolve, but awareness is one of your strongest defenses. By staying cautious, protecting you information, and acting quickly if something seems suspicious, you can significantly reduce your risk.

And remember — you are not alone. UT Federal Credit Union is committed to helping you safeguard your financial well-being during tax season and all year long.