SMShing: Text Fraud

Slow down — think before you act.

Acting too quickly when you receive phishing text messages can unintentionally give scammers access to your bank account — and your money. Scammers want you to feel confused and rushed, which is always a red flag. Banks will never threaten you into responding or use high-pressure tactics.

Don’t click links.

Never click on a link sent via text message — especially if it asks you to sign into your bank account. Scammers often use this technique to steal your username and password. When in doubt, visit your bank’s website by typing the URL directly into your browser or logging in to your bank’s mobile app.

Never send personal information.

Your bank will never ask for your PIN, password, or one-time login code in a text message. If you receive a text message asking for personal information, it’s a scam.

Do not respond. Delete the message.

Don’t risk accidentally replying to or saving a fraudulent text message on your phone. If you report the message, take a screenshot to share, then delete it.

Get scam smart.

Learn more at BanksNeverAskThat.com, follow #BanksNeverAskThat on social media for quick tips, or speak with your trusted banking representative about steps you can take to protect your accounts

If you believe you have been the victim of fraud, here’s how to report suspicious activity.