7 Non-Internet Related Scams to Watch Out For

While digital threats often make headlines, some of the most damaging scams happen offline. These non-Internet scams can happen over the phone, through the mail, or even in person. And although these methods may seem outdated, they remain just as dangerous, particularly when targeting trusting individuals and small businesses.

At First National Bank and Trust (FNBT), we believe that education is the key to successful fraud prevention, and awareness is one of the best tools we have to fight against financial deception. That’s why we’re spotlighting seven common offline scams and offering practical advice to help you protect yourself, your family, and your business from becoming a victim.

1. Phone Scams: When a Voice Sounds Trustworthy but Isn’t

Phone scams are among the most widespread non-Internet scams. These fraudulent calls can come from individuals pretending to be government officials, bank employees, utility workers, or even tech support representatives.
Common red flags:

• Requests for personal information like Social Security numbers, credit card numbers, or banking details.
• Claims of urgent problems, such as unpaid taxes or locked accounts, that require immediate payment.
• Use of spoofed caller IDs to mimic real organizations, making the call appear to come from a known entity like the IRS, FNBT, or a utility provider.

Protect yourself:
Never share personal information over the phone unless you initiate the call. FNBT will never ask for sensitive details through unsolicited phone calls. Scammers rely on creating a sense of panic or urgency. Take a breath, ask questions, and don’t feel pressured to act immediately. If something doesn’t feel right, it’s best to hang up and contact the source directly. For more tips, see our guide on bank imposter scams.

2. Mail Fraud: When the Envelope Carries More Than a Message

Mail fraud might seem like something from a bygone era, but it's still alarmingly common. Mail fraud can take many forms, from fake prize notifications and sweepstakes entries to phony investment offers. Senior citizens are especially targeted by these schemes, often receiving letters that look professional and official.
Warning signs:

• Requests for upfront payment to claim a prize.
• Mailings that look like government documents but contain fine print disclaimers.
• Letters urging secrecy or immediate response.
   

How to respond:
If you receive suspicious mail, don't respond or send money. Shred documents that contain personal information, and report concerns to the U.S. Postal Inspection Service.
To learn more about protecting sensitive financial details, visit our Fraud Prevention Center.

3. Check Fraud: A Persistent Risk for Individuals and Small Businesses

Despite the rise of digital payments, checks are still widely used, and fraudsters know it. Check fraud can happen when someone steals a check, alters the information, or creates counterfeit versions.
Examples include:

• “Check washing” using chemicals to alter check amounts and payees.
• Stolen business checks are used to create fake transactions.
• Overpayment scams involve someone sending a check for too much and asking for a refund before the check bounces.
   

Best practices to prevent check fraud:

• Use pens with permanent ink to write checks.
• Regularly reconcile your accounts to catch unauthorized activity quickly.
• Use security features like Positive Pay, a bank service that matches checks issued with those presented for payment.

For more strategies to secure your business finances, read our blog on protecting your business bank account.

4. Lottery and Sweepstakes Scams: If You Didn't Enter, You Didn't Win

"You’ve won!" Most of us would love to hear those words, but they’re also irresistible bait for one of the oldest mail and phone scams in the book. These scams often claim you’ve won a lottery or prize, but you need to pay taxes, shipping fees, or a service charge first. These scams can arrive by phone or mail, often with official-looking branding or logos.
What makes it a scam:

• Legitimate lotteries and contests do not require upfront payments.
• Scammers often pressure victims to act quickly and keep things secret.
• The prize never arrives.

Stay safe:
Always remember that legitimate sweepstakes are free to enter and never require upfront payments. When in doubt, check with a trusted source like your bank before acting. Remember: If you didn’t enter, you didn’t win.

5. Impersonation Scams: Fraudsters at Your Front Door

Scammers don’t always hide behind a screen or phone. In-person scams involve individuals showing up at homes or businesses, claiming to be utility workers, contractors, or government agents. These imposters can be persuasive and appear legitimate, often wearing uniforms or carrying fake badges.
Watch out for:

• Requests for immediate payment or donations.
• Claims of needing to inspect equipment or property without prior notice.
• High-pressure tactics or refusal to provide identification.
   

What to do:
Ask for an ID, confirm credentials by calling the organization directly (using an official number, not one provided by the visitor), and don’t let strangers inside unless you're confident they are legitimate. Criminals bank on the fact that many people don’t want to seem rude. But your safety and finances are more important than potentially hurting a stranger’s feelings.

6. Elder Financial Exploitation: A Hidden Threat in Families and Care Networks

Unfortunately, financial abuse often happens closer to home. Seniors may fall victim to exploitation by caregivers, family members, or acquaintances who misuse their trust or access.
Common forms:

• Unauthorized use of checks or bank cards.
• Pressure to change legal documents like wills or powers of attorney.
• Manipulation disguised as help with finances.
   

Prevention tips:

• Have open conversations about financial plans and set up checks and balances.
• Encourage seniors to name more than one trusted contact.
• Consider professional financial oversight if cognitive decline is a concern.

If you suspect someone is being financially abused, contact adult protective services or a legal professional for guidance.

7. Fake Charities and Disaster Relief Scams: When Crisis Sparks Crime

Natural disasters, national emergencies, and even local tragedies often lead to an outpouring of generosity. Unfortunately, scammers seize these moments to solicit fake donations. These frauds may come by phone, mail, or door-to-door, especially after a high-profile event.
How they work:

• Impersonate well-known charities or invent new ones.
• Use emotional language to prompt immediate donations.
• Accept only cash or gift card donations.
   

Give safely:
Verify the charity's legitimacy through sites like Charity Navigator or directly on the organization's official website. Avoid cash donations and never give under pressure. When in doubt, wait. A legitimate charity will accept your donation tomorrow just as gladly as today.
Stay Informed and Empowered
While technology has introduced new forms of fraud, non-Internet scams continue to pose a real threat, especially in tight-knit communities like those served by FNBT. They prey on trust, emotion, urgency, and routine. But by staying alert and informed, you can protect yourself and those around you.
Key tips to remember:

• Always verify before you trust.
• Never give out personal or financial information under pressure.
• Report suspicious activity to the proper authorities—and your bank.
• Take your time. Scammers want you to act fast and without thinking.
   

We’re committed to helping you stay vigilant, and providing you with the tools and support you need to protect your finances. If you or someone you know has questions about non-internet scams or wants to learn more about protecting personal finances, visit one of our full-service First National Bank and Trust branches across Southern Wisconsin and Northern Illinois, or explore our Fraud Prevention Center for helpful resources upcoming events, and expert advice.
Rooted in our values – Dependable, Approachable, and Resilient, we’re proud to keep our communities safe, informed, and financially secure.