Online scams targeting kids and teens are on the rise, and families need to be more vigilant than ever. As technology becomes a regular part of children’s lives, scammers are finding new ways to exploit young users. These scams often look innocent but can result in stolen personal information, financial loss, or exposure to inappropriate content. At Velocity Community Credit Union, we are committed to protecting all our members—including our youngest ones—by providing education and tools to stay safe online.

Why Are Online Scams Targeting Kids and Teens?

Children and teens are prime targets for scammers because they are often trusting, curious, and less likely to spot a scam. With so much of their time spent on gaming platforms, social media, and educational websites, they are exposed to more online risks than ever before. Offers that seem too good to be true, like free game credits or easy-money job opportunities, are common tactics used in online scams targeting kids and teens.

Common Online Scams That Target Kids and Teens

1. Gaming Scams
Scammers often promise free in-game items or currency. These offers usually lead to phishing sites that steal account login details or personal information.

2. Social Media Impersonation
Fraudsters may impersonate a friend, classmate, or influencer. They might send private messages with dangerous links or requests for money and personal data.

3. Online Shopping Scams
Teens searching for deals may find fake online stores offering low prices on popular items. After payment, the product either never arrives or is a cheap imitation.

4. Scholarship and Job Offer Scams
Some scams target teens with fake scholarship opportunities or job listings. These often require an upfront fee or ask for sensitive information under the guise of an application.

5. Phishing via Text or Email
Many teens receive emails or texts that look like they are from real companies. These messages might say there is an account issue or prize to claim, leading to phishing sites that capture private data.

How to Protect Your Child from Online Scams

Start the Conversation
Talk regularly with your child about online scams targeting kids and teens. Make sure they know it is always safe to come to you if something feels off.

Teach Smart Sharing Habits
Help your child understand what personal information should never be shared online, such as their full name, address, school, or account details.

Review Privacy Settings
Go through the privacy settings on your child’s apps and accounts. Ensure that profiles are private and not open to the public.

Be Involved in Online Activity
Know what your child is doing online. Ask about the games they play, the platforms they use, and who they are interacting with.

Set Spending Limits and Controls
If your child has access to a debit card or digital wallet, use parental controls and help them understand how to make smart, secure choices with money.

Final Thoughts

Online scams targeting kids and teens are a serious and growing threat. By staying informed and maintaining open communication, parents and guardians can play a critical role in helping children navigate the internet safely. At Velocity Community Credit Union, we believe that financial education starts early, and that includes teaching the skills to recognize fraud and stay secure online.

For more resources on protecting your family from scams, visit FTC.gov.

Have questions? Reach out to us—we’re here to help.