New Scams Are Getting Smarter. Here’s How to Stay One Step Ahead

Scams aren’t new. But the way they’re being carried out is changing fast.

Today’s scammers are using artificial intelligence (AI) alongside pieces of personal information to create messages that feel real, familiar, and convincing. In some cases, they’re even able to mimic the voice or writing style of people and businesses you trust.

At HomeTown Bank of Alabama, protecting your financial well-being is a top priority. Knowing what to watch for — and how to respond — can help you stay ahead of these evolving threats.

How AI-Powered Scams Work

Scammers often start with small bits of personal data — a name, a phone number, a recent purchase, or a shipping notification — and use AI tools to build highly believable messages.

These messages may look or sound legitimate because they’re designed to:

• Match real transaction formats
• Mimic customer service language
• Sound like a trusted individual, business, or institution

The goal is to create urgency or concern so you act quickly without questioning it.

What to Watch For

Be especially cautious if you receive:

• A receipt, shipping alert, or declined payment notice for a purchase you don’t recognize
• Unexpected messages claiming account issues, refunds, or security problems
• Audio or video messages that sound like someone you know but feel slightly “off”
• Requests for sensitive information such as login details, card numbers, or one-time codes

Even when a message looks professional or uses familiar details, that doesn’t guarantee it’s legitimate.

Red Flags That Signal a Scam

AI-generated messages often still leave clues. Watch for:

• Language that feels overly formal, awkward, or inconsistent
• Subtle changes in tone, phrasing, or grammar
• Pressure to act immediately or threats of account closure
• Requests to click links or respond directly instead of contacting the company through official channels

If something doesn’t feel right, trust your instincts.

What You Can Do to Protect Yourself

If a communication seems suspicious:

• Do not respond to the message
• Do not click links or download attachments
• Contact the business directly using a verified phone number or website you already trust

If you believe someone may have accessed your account, contact HomeTown Bank of Alabama immediately using the number on the back of your card or through our official website.

Acting quickly can make a meaningful difference.

Our Commitment to Your Security

At HomeTown Bank of Alabama, safeguarding your accounts and personal information is a responsibility we take seriously. We use secure technology, ongoing fraud monitoring, and protective systems designed to detect suspicious activity around the clock.

Just as importantly, we believe in empowering our customers with knowledge — because staying informed is one of the strongest defenses against fraud.

If you ever have questions or concerns, our team is here to help. We’re proud to be your trusted, local banking partner — today and in the future.