Fake bank fraud alert

What it looks like

Example scam message

“[Bank name] Alert: Did you attempt a charge of $487.63 at an electronics store? Reply YES or NO. If this was not you, call our fraud line at [phone number] now.”

Details like names, amounts, and links change — the pattern stays the same.

Red flags to watch for

• ⚠A request to 'verify' your account through a link or by sharing a code sent to your phone.
• ⚠A caller who says you must move money to a 'safe' or 'secure' account.
• ⚠Pressure to act right now, before you can call the bank yourself.
• ⚠The caller already knows a few of your details and uses them to sound real.

What to do

1. Do not reply, tap the link, or call the number in the message.
2. Call the number printed on the back of your bank card and ask if the alert is real.
3. Never read a one-time code to anyone on the phone — banks do not ask for them.
4. Never move money because a caller told you to, no matter how official they sound.

Where to report it

• •ReportFraud.ftc.gov
• •IC3.gov
• •Forward the text to 7726 (SPAM)

Related scams

• Unpaid toll textA text message says you owe a small unpaid toll and threatens a big late fee or trouble with your license unless you pay right away through a link.
• Package delivery textA text claims a package could not be delivered and asks you to confirm your address or pay a small 'redelivery fee' through a link.
• Utility shut-off threatA caller or text claims your electric, gas, or water service will be shut off within the hour unless you pay immediately — often by prepaid card, gift card, or a payment app.

ShieldGuard provides informational guidance to help you spot likely scams. It is not legal or financial advice and not a guarantee — no tool catches every scam. When money is involved, slow down and talk to someone you trust before acting.