### Comment:
What are some common online fraud schemes to be aware of?

### REPLY:
Some common online fraud schemes include specific phishing scams targeting well-known banks and financial institutions like XYZ Bank. These scams involve sending emails to customers that appear to be from the bank and requesting account information, including social security numbers and passwords. By providing these details, customers unknowingly give access to their accounts, allowing fraudsters to steal their funds and commit identity theft.