Artificial intelligence (AI) is changing the world—making life easier, faster, and more connected. But while AI brings exciting innovations, it also opens the door to a new wave of scams that are more convincing and dangerous than ever before.

At INB, your security is our top priority. That’s why we’re sharing what you need to know about AI-powered scams—and how to protect yourself and your loved ones.

What Are AI Scams?

AI scams use artificial intelligence to mimic real people, create fake websites, or send messages that look and sound legitimate. Scammers can now clone voices, generate deepfake videos, and write flawless emails that appear to come from your bank, employer, or even a family member.

Common AI Scam Tactics to Watch For

Here are some of the most common—and convincing—AI scams out there:

1. Voice Cloning Scams

You get a call from your “grandchild” or “boss” in distress, asking for money. It sounds just like them—but it’s not. Scammers can now clone voices using just a few seconds of audio.

What to do: Hang up and call the person back using a number you know is real.

2. Fake Bank Alerts

You receive a text or email that looks like it’s from INB, warning of suspicious activity and urging you to click a link or call a number. The message may even reference real transactions.

What to do: Never click on links or call numbers from unexpected messages. Instead, contact us directly using the number on the back of your debit card.

3. Deepfake Videos and Emails

Scammers use AI to create fake videos or emails from trusted figures—like CEOs, celebrities, or even government officials—asking for donations, payments, or personal information.

What to do: Be skeptical of urgent requests, especially those involving money or secrecy.

4. Phishing with a Personal Touch

AI can scan your social media and tailor phishing emails just for you—mentioning your job, hobbies, or recent purchases to build trust.

What to do: Always verify the sender’s email address and avoid clicking on unexpected links or attachments.

Red Flags That Should Make You Pause

• Urgency or panic: “Act now or lose access!”
• Unusual payment methods: Requests for gift cards, crypto, or wire transfers.
• Requests for personal information: No legitimate company will ask for your PIN, password, or Social Security number via email or text.
• Unfamiliar phone numbers: Real bank texts usually come from short codes, not 10-digit numbers.

How to Stay Safe

• Slow down. Scammers rely on panic. Take a breath before acting.
• Verify independently. Call the person or company directly using a trusted number.
• Use multi-factor authentication. Add an extra layer of security to your accounts.
• Talk to someone you trust. If something feels off, it probably is.

INB Is Here to Help

If you ever receive a suspicious message or call claiming to be from INB, don’t hesitate to reach out. We’re here to help you verify, report, and stay protected.  Call us at 877.771.2316