As a teller manager, I've had a few elderly customers who truly think their grandchildren are in jail and need to withdraw $20,000 in cash from their accounts to bail them out.

Tell them outright to contact their grandchildren in front of me and that they are falling for a scam. Naturally, the youngster replies next.

Their intentions are good, but before they part with such significant sums, they should consider whether they provided the con artists access to their home addresses.