Protect your parents from scams: a family guide
You don't need to monitor anyone's bank account. A 20-minute talk and a sheet on the fridge stop most scams. Here's the plan.
Free Fridge Sheet (PDF) Family Safety Checklist (PDF)
Why it matters
People 60 and older reported $7.7 billion in losses to the FBI's Internet Crime Complaint Center in 2025, up 37% from 2024. (FBI IC3 2025 report, IC3 elder fraud brochure.) In an AARP survey, 82% of adults 50+ said they talk to older loved ones about scams. (AARP)
The 6-step family plan
- Pick a family safe word. If someone calls in an "emergency" and can't say it, hang up and call back. The FCC suggests this for grandparent scams.
- Agree on the money rule: nobody in our family ever pays anyone with gift cards, crypto, a Bitcoin ATM, a wire, or cash handed to a courier. The FTC says only scammers ask for gift cards.
- Agree on the code rule: never read a code you were sent to anyone who calls you, even "the bank".
- Write the real numbers down: the bank (back of the card), Medicare 1-800-633-4227, and two family members. Put them on the fridge sheet.
- Make "hang up and call back" normal. Real banks and agencies are fine with you hanging up and calling the number you know.
- Promise no shame. Scammers win when people are too embarrassed to tell anyone. Say: "If anything feels off, call me first. I'll never be upset."
How to start the talk
- "I read about a text scam about unpaid tolls. Has anything like that come to you?"
- "Can we pick a family code word, just in case someone fakes my voice?"
- "Would you text me a screenshot of anything that asks for money? I'll check it with you."
Set up their phone (10 minutes)
- Turn on the phone's spam call and unknown-sender filters.
- Save your number and the bank's real number as favorites.
- Add this site to their home screen: open it in the browser, then "Add to Home Screen".
- Show them how to take a screenshot and use "Send to my family" here.
If they already paid
- Call the bank or card company right away using the number on the card.
- For gift cards, call the card company and ask for a refund. Keep the cards and receipts. (FTC)
- Report to ReportFraud.ftc.gov and IC3.
- If personal information was shared, use IdentityTheft.gov.
- Be kind. Losing money to a scam is not a sign of being foolish. These are professional criminals.
Updated October 16, 2026.
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