Protect Yourself from Tax Scams

Published on March 10, 2026 | 3 min read | Webster Bank

Tax season can be stressful enough without worrying about fraud. Unfortunately, scammers often take advantage of this time of year by posing as government agencies, tax preparers, or even financial institutions in an attempt to steal personal information and money.

The good news? A few simple precautions can help you file confidently and protect your finances.

Why Tax Season Attracts Scammers

During tax season, people are:

• Sharing sensitive personal information
• Expecting refunds
• Focused on deadlines

Criminals know this — and they use urgency, fear, and confusion to pressure victims into acting quickly.

Common Tax Scams to Watch For

Fake IRS Calls, Emails, or Texts.

• Scammers may claim you owe back taxes or that your refund is at risk. They often:
• • Demand immediate payment
  • Threaten arrest or legal action
  • Ask for payment via gift cards, wire transfers, or cryptocurrency

Remember: The IRS does not initiate contact by email, text message, or social media to request personal or financial information. They also will not demand immediate payment using unusual methods.

Phishing Emails About “Refunds”

• You may receive messages saying you’re eligible for a larger refund or that there’s an issue with your return. These emails often include links to fake websites designed to capture:
• • Social Security numbers
  • Online banking credentials
  • Debit or credit card information
  • Avoid clicking on links in unexpected tax-related emails.

Fraudulent Tax Preparers

• Most tax professionals are reputable — but some scammers pose as preparers to steal refunds or personal data. Warning signs include:
• • Promises of unusually large refunds
  • Fees based on a percentage of your refund
  • Refusal to sign the return as the preparer
  • Always choose a trusted, credentialed tax professional and review your return carefully before filing.

Tax Identity Theft

• In some cases, criminals file a tax return using a stolen Social Security number before the legitimate taxpayer files.
• Filing early can reduce this risk.

Steps You Can Take to Protect Yourself

Protect Personal Information

• Only share sensitive information through secure, trusted channels. Store tax documents in a safe place and securely shred papers you no longer need.

Be Skeptical of Urgent Messages

• Scammers rely on fear and urgency. If you receive a threatening call or message about taxes, pause. Do not provide information or make payments without verifying the source.

Monitor Your Accounts

• Review your bank and credit card accounts regularly during tax season. Watch for unexpected deposits or withdrawals and report suspicious activity immediately.

If You Receive a Suspicious Message

• Do not click links or download attachments
• Do not provide personal information
• Contact your bank or tax professional directly using a trusted phone number or website

File Early

• Submitting your tax return as soon as you have the necessary documents can help prevent someone else from filing fraudulently in your name.

Staying informed is one of the best defenses against fraud. With a little caution and awareness, you can navigate tax season safely and confidently.

If you ever have concerns about suspicious activity related to your account, please contact us directly. We’re here to help protect your financial well-being.