It seems that not only is AI getting smarter, but so are some of those in the world who would wish to steal your information.

I'm not sure if you've realized it, but a lot of these scams are getting more and more convincing, which is bad news for us... good news for the bad guys.

Warning: New Scam Hitting Michigan

This new scam is coming in the form of a text message, and they're looking to steal money directly out of your bank account.

Read More: Watch Out! There is Another Email SCAM Going Around!

This one, may not be easy to spot and catch either.

Getty Images/iStockphoto

What The Scam Is:

The current scam buzzing around Michigan will come in the form of a text message from your credit union. The text will claim that there is a problem with your bank account. The link and site that you go to from that link, may look exactly like the website you visit daily/weekly to check on your money.

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From there, it can go down and bad for you quickly. The site asks for your login and password, which just gives the crooks what they were looking for from the start.

What To Do To Avoid This:

How do you avoid a scam that seems so legit? Especially if you do sign up for text notifications from your bank! It may just seem like another text that you would get any other day from them.

However, there are some things you can do to avoid falling for this.

Stuart Miles

For instance, what are those URL's? Instead of, you could see something like (that is actually a legitimate link, but you get my point). Look for abnormalities in the URL with additional characters.

Most - not all - banks only send you a Yes or No question over text. Not a link to click on (typically).

Also, watch the phone numbers that are sent to you. If it is longer than 10 digits. It isn't legit. Watch the same from the email addresses that send it to you as well.

Ranking States with Most Online Scams 2022

Here's a state-by-state look, using data available from the Federal Trade Commission (FTC), ranking states by total amount of money lost to fraud in 2022.

Gallery Credit: Scott Clow