📞 The New Banking Scam: “Call From Your Bank”
Scammers call pretending to be:
✔ Your bank
✔ Government agency
✔ Fraud department
Their goal:
Make you reveal login codes or transfer your money
This scam is called vishing (voice phishing).
🚫 Banks Will Never Ask For:
❌ Your online banking password
❌ Your debit card PIN
❌ A verification code they just texted you
❌ To transfer money to a “safe account”
❌ To screen-share your device
If someone asks for ANY of that:
Hang up immediately. It’s a scam.
✅ How To Spot a Bank Phone Scam
| Real Bank | Scammer |
|---|---|
| You call them | They call you |
| They know part of your info | They ask you everything |
| They confirm with bank’s caller ID | Spoofed number pretending to be bank |
| Calm explanations | Urgent threats |
| Options to call back | “Don’t hang up!” |
⚠️ Common Scam Lines
“We detected fraud — verify your identity now!”
“Transfer funds to our secure account!”
“Read us the code we just sent to lock your account!”
“Stay on the line — we must do this now!”
👉 That code is to log into your bank on their computer.
✅ What To Do if You Get a Suspicious Call
1️⃣ Hang up — do not argue
2️⃣ Call the bank using numbers on your card or app
3️⃣ Report fraud if you gave any info
4️⃣ Change passwords immediately
5️⃣ Turn on multi-factor authentication (MFA)
✅ How Banks Actually Verify You
✅ They only ask for:
- A few digits of SSN/card
- Pre-chosen security questions
❌ They NEVER request full credentials or codes.
✅ Smart Rule For Life
If they called you…
never give them information.
If you called them…
verification is expected.
🛡️ Your Safety Checklist
✅ Don’t trust caller ID — it can be faked
✅ Never stay on the line if uncomfortable
✅ Never move money on instruction
✅ Don’t download apps suggested by strangers
✅ Take notes & report the number
Share your story with the community — you might save someone else.
Submit a Scam Report →
