Email accounts are at the center of our digital lives and that’s exactly why fraudsters target them. An email takeover happens when someone gains unauthorized access to your legitimate email account, often without you realizing it right away.

Understanding how this type of fraud works and how to spot the warning signs can help you protect your personal and financial information.

What Is an Email Takeover?

An email takeover occurs when a fraudster gains access to your email account through methods like:

• Data breaches
• Phishing emails or text messages
• Information purchased on the dark web

Once inside, the fraudster can see everything you receive and send, that access can quickly lead to bigger problems.

Why Does This Matter?

Your email is often connected to sensitive personal information, including:

• Financial statements
• Online banking notifications
• Health records
• Insurance documents
• Social media and online accounts

If a fraudster controls your email, they may be able to access multiple platforms tied to it.

What Happens Once a Fraudster Gets In?

After gaining access to your email, fraudsters often:

• Use the “forgot password” option on other accounts.
• Receive password reset links or one-time codes directly in your inbox.
• Take over additional platforms like social media, shopping accounts, or online banking.

This can lead to account lockouts, unauthorized transactions, and identity theft.

Red Flags of an Email Compromise

Watch for these warning signs:

• You can’t log into your email using a password that worked the day before.
• You see one-time code requests in your inbox that you didn’t initiate.
• You’re suddenly unable to log into other platforms that use your email, such as:
  • Social media accounts
  • Online banking
  • Shopping or subscription services

If you notice any of these, act quickly.

Important Reminders to Stay Safe

• No reputable business will ever need access to your device.
• Your financial institution will never ask for your online banking username or password.
• If you receive an email you weren’t expecting, don’t open it — delete it.
• If you notice transactions you don’t recognize, contact your financial institution immediately.
• Change your passwords regularly.
• Use a passphrase (a longer combination of words) instead of a simple password for added security.

Staying informed is one of the best ways to protect yourself. If something doesn’t seem right, trust your instincts and reach out for help, acting quickly can make all the difference.