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What to Do After Receiving a Suspicious Bank Security Alert

Pause before acting on a bank security alert. Verify it through your bank’s official app, website, or a number on your card or statement—and know what to do if you already responded.
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Stop and verify the alert with your bank through a trusted route you choose yourself. Don’t reply, click a link, call a number in the alert, share a password or verification code, or move money to “protect” it. Use the number on your bank card or statement, or open the bank’s official app or website.

What should I do after getting a suspicious bank alert?

  1. Pause. Don’t reply to the message, follow its links, open attachments, call a number it provides, or give the sender information or a one-time code.
  2. Contact the bank independently. Call the number printed on your card or a recent statement, or open the official app or website you already use. Ask whether the bank sent the alert and whether it sees suspicious activity. The Consumer Financial Protection Bureau (CFPB) says to get a contact number from somewhere other than the suspicious message. CFPB guidance on bank verification requests.
  3. Follow up only through the trusted channel. If the bank confirms the alert is genuine, ask what action is needed and complete it through the app, website, or phone call you initiated—not through the original message.
  4. Report suspicious messages. In the U.S., forward a suspicious text to 7726 (SPAM) or use your phone’s report-junk feature. You can report suspected fraud to the FTC at ReportFraud.ftc.gov.

Is this bank security text real?

You can’t reliably authenticate an alert from its wording, caller ID, display name, or the personal details it includes. Scammers impersonate banks and create urgency to get people to click, call, confirm a purchase, share information, or move money. The FTC describes texts that look like bank fraud alerts and ask recipients to call or verify a transaction. Verify with the bank independently instead of judging the message by how convincing it looks.

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The CFPB warns: “Never respond or click on links as they can take you to scammers’ malicious websites or give them access to your device.” Read the bureau’s answer about requests to verify bank or credit union information.

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What if the alert leads to a phone call?

If someone calls claiming to be from your bank’s fraud department, don’t share a verification code or transfer or withdraw money to protect your account. Hang up and contact the bank using a number on your card or statement, or its official app or website. A caller’s knowledge of your name or other personal details does not prove they work for the bank. Never let an unexpected caller take remote control of your phone or computer. The FTC explains how to handle unexpected calls claiming your money is at risk.

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What if I clicked, shared information, or moved money?

  1. Contact your bank immediately through a trusted route. Say exactly what happened: whether you clicked a link, entered login or personal information, shared a verification code, or transferred money. Ask what protections are appropriate for the account or payment involved. The right response depends on what was exposed or sent; official guidance does not prescribe one recovery procedure for every incident.
  2. Get identity-recovery guidance if personal information may be exposed. Use IdentityTheft.gov for a recovery plan tailored to identity theft. You can also report suspected fraud to the FTC at ReportFraud.ftc.gov.
  3. Report a request to send money to protect it. In addition to contacting your bank and the FTC, the CFPB identifies the FBI, your state attorney general, and local police as possible contacts for people who believe they are victims. See the CFPB’s list of contacts for scam or fraud help.
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Why it’s worth verifying every unexpected alert

The FDIC reported that consumers lost $12.5 billion to fraud in 2024, citing the FTC; that figure covers reported consumer fraud broadly, not bank-alert scams alone. The FDIC also says the FTC identified bank impersonation as the most reported text scam in 2022, nearly 20 times as common as in 2019. These figures describe reports and losses, not the odds that any particular alert is fraudulent. See the FDIC’s June 2025 overview of bank impersonation scams.

This guidance reflects U.S. government agencies. Reporting services and recovery procedures may differ outside the United States.

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