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Scam Alert · October 15, 2025 · Source: FTC

Bank account verification text scams

These texts look like they're from your real bank — they may even spoof the bank's short code. The link leads to a fake login page that captures your username and password, or the number connects to a scammer who walks you through 'verification' steps that drain your account.

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Older adult reviewing a suspicious package delivery message
What it may look like

Fake bank fraud alert text

"Chase Bank Alert: Suspicious transaction detected on your account ending in 4521 for $1,247.99 at Best Buy on 10/15. Reply YES if authorized, NO to dispute. Or call our fraud department immediately: 1-855-555-0188"

What not to do

  • Do not click links in text messages claiming to be from your bank.
  • Do not reply 'YES' or 'NO' to the text — replying just confirms the number is active.
  • Do not call any phone number provided in a text message.

Safer next step

  • Open your bank's app or website directly (not through the text) and check for actual alerts there.
  • Call your bank using the number on the back of your debit card or on a real statement.
  • Real banks may send alerts but never ask you to provide your password or full account number to verify.

Family discussion prompt

Save your bank's real phone number in your contacts now, from the back of your card. Agree: 'If I get a bank alert text, I open the bank app directly — I never use the link in the text.'

Source: FTC Consumer Alerts. KeepUp Academy summarizes and republishes plain-language guidance for older adults; we are not affiliated with the FTC.

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