As more Americans, particularly seniors, become comfortable with conducting financial business via their smartphones, scammers have moved to where the money is, raking in $330 million in text-based fraud last year.

Whether you’ve been texting for decades or just catching up, you’ll likely see some of the five scam types below pop into your messages in the not-too-distant future. Some may have service-related spins, with the military community remaining a high-value target.

Here’s what to look out for, courtesy of the Federal Trade Commission (FTC) and the Cybercrime Support Network, which partners with MOAA and other organizations to help servicemembers and veterans avoid fraud: