Smishing: How to Spot Fake Bank Alert Text Messages

"FINAL WARNING: Your account has been suspended due to suspicious activity. Click here to verify: [fake-link.com]"

Have you ever received a text message like this? This is "Smishing"—a form of phishing that uses SMS text messages to lure victims into providing sensitive information.

Characteristics of a Smishing Text

Scammers use "fear of loss" or "sense of urgency" to make you act without thinking:

• Urgent Language: Words like "Immediate action required," "Suspended," or "Unauthorized login."
• Suspicious Links: The URL often looks slightly off (e.g., bank-security-login.com instead of bank.com).
• Requests for Personal Info: A real bank will never ask you to provide your password or full Social Security number via a text link.

What Happens if You Click?

If you click the link, you'll likely be taken to a website that looks exactly like your bank's login page. Once you enter your credentials, the scammer captures them and can drain your accounts in minutes.

How to Stay Safe

1. Never Click the Link: If you're concerned about your account, close the message and open your bank's official app or type their website directly into your browser.
2. Look for "Short Codes": Many legitimate businesses send texts from 5 or 6-digit short codes. If the text comes from a full 10-digit number, be extra cautious.
3. Forward to 7726 (SPAM): Most major carriers allow you to forward suspicious texts to 7726. This helps them identify and block scam numbers.

How to Report

• Contact Your Bank: Use the customer service number on the back of your card to report the phishing attempt.
• Report to the FTC: Use reportfraud.ftc.gov.

Remember: Your bank already has your information. They will never ask you for it via a text message link.