COVID-19 Scams Targeting the Elderly

There are always scam artists but they always seems to come out in force when people are most vulnerable. There’s always increased scams around the holidays. Recently COVID-19 has created a new angle for these scam artists.

C&N is partnering with the American Bankers Association Foundation’s
Safe Banking for Seniors campaign in a nationwide effort to help older customers and their
financial caregivers understand the current scams and how to protect themselves and their
loved ones. Throughout the month of May, which is Older Americans Month, C&N will share
articles and tips to help eliminate the almost $2.9 billion that older Americans lose each year to
fraud.

Times of crisis leave the elderly more vulnerable to scams and coronavirus scams are
becoming more ingenious every day. Here are a few of the current scams targeting older
Americans.

 Phishing and supply scams. Scammers impersonate health organizations and
businesses to gather personal and financial information or sell fake test kits, supplies,
vaccines or cures for COVID-19.
 Stimulus check or economic relief scams. The government is preparing to ease the
economic impact of the virus by sending money by check or direct deposit. However, the
government will NOT ask for a fee to receive the funds, nor will they ask for your
personal or account information.
 Charity scams. Fraudsters seek donations for illegitimate or non-existent organizations.
 Delivery of malware. Often through “virus-tracking apps” or sensationalized news reports.
Charity Frantz
570-724-0225
charityf@cnbankpa.com

 Provider scams. Scammers impersonate doctors and hospital staff, claim to have treated
a relative or friend of the intended victim for COVID-19 and demand payment for
treatment.
 Bank/FDIC scams. Scammers impersonate FDIC or bank employees and falsely claim
that banks are limiting access to deposits or that there are security issues with bank
deposits.
 Investment scams often styled as “research reports.” Fraudsters claim that products or
services of publicly traded companies can prevent, detect or cure COVID-19.

10 Tips for Seniors

  1. Watch out for phishing scams. Phishing scams use fraudulent emails, texts, phone calls and
    websites to trick users into disclosing private account or login information. Do not click on links
    or open any attachments or pop-up screens from sources you are not familiar with, and NEVER
    give your password, account number or PIN to anyone.
  2. Ignore offers for a COVID-19 vaccine, cure or treatment. Any medical breakthrough will not
    be first reported through unsolicited emails or online ads.
  3. Rely on official sources for the most up-to-date information on COVID-19. Visit the websites
    from the Centers for Disease Control and Prevention and your state’s health department to keep
    track of the latest developments.
  4. Remember that the safest place for your money is in the bank. It’s physically secure and it’s
    federally insured. When you deposit your money at a bank, you get the comfort of knowing that
    your funds are secure and insured by the government. You don’t have the same level of
    protection when your money is outside the banking system.
  5. Do some research before making a donation. Be wary of any business, charity or individual
    requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or
    through the mail.
  6. Keep your computers and mobile devices up to date. Using the latest security software, web
    browser and operating system is the best defense against viruses, malware and other online
    threats. Turn on automatic updates so you receive the newest fixes as they become available.
  7. Recognize and avoid bogus website links. Cyber criminals embed malicious links to download
    malware onto devices or route users to bogus websites. Hover over suspicious links to view the
    actual URL where you will be routed. Fraudulent links are often disguised by simple changes in
    the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.
  8. Change your security settings to enable multi-factor authentication for accounts that support
    it. Multi-factor authentication—or MFA—is a second step to verify who you are, such as a text
    with a code.
  9. Before you make any investments, remember the high potential for fraud right now. You
    should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For
    information on how to avoid investment fraud, visit the website of the Securities and Exchange
    Commission.
  10. Help others by reporting coronavirus scams. Visit the FBI’s Internet Crime Complaint Center
    at ic3.gov to report suspected or confirmed scams. You can also stay up-to-date on the latest
    scams by visiting the FTC’s coronavirus page at ftc.gov/coronavirus.

Remember
Never give your Social Security number, account numbers or other personal financial
information over the phone unless you initiated the call.

As your local community bank, C&N is always here to help you and protect you and your loved
ones. If you have any questions or concerns, please do not hesitate to contact us.

About C&N: C&N is an independent community bank providing complete banking, financial, investment and
insurance services through 30 full-service offices located throughout Bradford, Bucks, Cameron, Chester, Lycoming,
McKean, Potter, Sullivan and Tioga, counties in Pennsylvania and Steuben County in NY. C&N also operates two
loan production offices in Elmira, NY and York, PA, which offer commercial, residential and consumer lending
services. C&N can be found on the worldwide web at www.cnbankpa.com. The Company’s stock is listed on
NASDAQ Capital Market Securities under the symbol CZNC.

Spend At Least $15 At Lowes Get $15 Cash Back

We have so many home improvement projects going on here. We just had to replace our hot water heater, I painted the mud room and hall, we’re getting new flooring in (from Lowes), and I’m building a new shoe rack. Every dollars saved at Lowes would be a help for us right now. I’m betting a least a few of you are thinking the same thing.

Step 1: 
OFFER LINK 

Using my link, signup for a FREE TopCashback account.This offer is for new TopCashback members only.

Step 2:
Follow the directions listed on the offer page to purchase.   You must spend at least $15.00 to receive $15.00 cash back.

Step 3:
Within 7 days of purchase, $15.00 will appear in your TopCashback account. You’ll be able to withdraw this within 14 days of purchase.  You can withdraw the money straight to your checking, PayPal, or claim as gift cards.

Tips:

  • Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.
  • Want to purchase more than $15.00?  Make a second transaction instead of adding more to an existing cart to maximize additional cash back.

Terms & Conditions:Note: Transactions must contain at least $15.00 worth of purchases (before tax +shipping)  to ensure the $15.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $15.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 5/25/2021 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member.  Cannot be combined with other TopCashback freebie offers.  Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.

Another Reason To Get Paramount+: Why Women Kill Series

I haven’t watched this yet but I’m intrigued. This time it’s a new cast, new story, new season.

Head to 1940s Los Angeles and explore what it means to be ignored and overlooked by society and driven to deadly lengths. Allison Tolman and Nick Frost star in the new season of the hit anthology series from Marc Cherry, the creator of Desperate Housewives and Devious Maids.

What secrets get buried behind the gorgeous facades we present to the world? And what will one woman do to finally belong? Why Women Kill returns June 3, with new episodes every Thursday, exclusively on Paramount+. Try it FREE!

The new season of Why Women Kill returns June 3 exclusively on Paramount+. Try it FREE!

When you sign up for Paramount+ you get a 30 day free trial. That’s how I ended up getting hooked. But if murder shows and dramas aren’t your think, there’s plenty of other options such as the Smithsonian Channel (one of my personal favs), my kids love Nickelodeon so they can watch all their favorite cartoons like Spongebob and the Loud House. There’s cooking shows, movies, series like Ink Masters, sports, and more.

It’s totally worth check it out for the free trial. It’s easy to cancel if you decide that’s what you want to do. Paramount+ has affordable options starting at just $5.99/mo.

Have you seen Why Women Kill? What are your thoughts? I’m gonna have to check it out.

This post does contain affiliate links. I will earn a small commission for new accounts.

Sweepstakes I’ve Entered This Week

If you follow me on any social media then you’ll know I LOVE to enter sweepstakes. It’s a hobby for me. It doesn’t cost anything and once in a while, I win something.

I’ve never really counted but I’d have to say I enter/re-enter (when allowed) at least 50 sweeps a week. When I say sweeps I’m talking about national sweepstakes, social media sweeps/giveaways, newsletter sweeps, blog giveaways, etc.

I’m not going to list every single one here, these are some of my favorites I’ve entered this week so far. Please note that some of these you have to be 21+ yrs of age to enter due to being alcohol companies:

Want more? I have a sweepstakes group on facebook I screen sweepstakes before their posted. Also it’s strictly focused on US sweeps so it’s only for US residents with and emphasis on sweepstakes open in the north east.

This post does contain affiliate links. I will earn a few cents when you check out the links

Star-Studded Virtual Gala for Covenant House May 17, 8 PM EST

**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.For more information about FTC disclosure requirements, please see here. 

We all know that homelessness is an issue in our country. A section of homeless are homeless youth. That’s where Covenant House steps in with street outreach programs, meeting immediate needs, mentorship, resources, medical care, and more.

There will be a star-studded virtual gala event May 17 at 8 pm EST featuring Ryan Reynolds, Vanessa Williams, Jon Bon Jovi, Jewel and more. This event is FREE! Celebs are hoping to raise awareness for this great cause. You can RSVP to this virtual event now

FREE Star-studded Virtual Event! Join an all-star lineup of artists and powerhouse youth advocates from Broadway, TV, film and more to support Covenant Houses mission to protect young people facing homelessness.

I think this is a great cause I’d love to support. It’s awesome seeing all these celebs come together to help homeless youth in our country.

Who are you excited about seeing. I just found this add with Morgan Freeman on it. I feel like he really can’t make any event bad lol

Will you be watching? Do you already donate to Covenant house? I want to know!

Please consider sharing this post to raise awareness for this cause. Last year over 1 million people tuned in!