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1Fix the driver behind crashes, sound loss and screen glitches2Repair Windows errors before they cause bigger problems3Scan for outdated or missing drivers - takes under a minuteDo not reply, click a link, call a number in the alert, share a verification code, or move money. Contact your bank independently using the number on your card or statement, or its official app or website, and ask whether the alert is genuine. If you already clicked, disclosed information, shared a code, or transferred money, contact the bank promptly through that trusted route and explain exactly what happened.
What should I do after getting a suspicious bank alert?
- Stop and do not interact with the alert. Avoid links, attachments, reply prompts, callback numbers, and instructions in an unexpected text or email. Do not provide account details, passwords, or one-time verification codes.
- Contact the bank through a route you find independently. Use the number printed on your card or a recent statement, or open the official bank app or website you normally use. The CFPB advises getting contact information from somewhere other than the suspicious message.
- Ask the bank to verify the alert and check for activity. If the bank confirms it is genuine, follow its guidance through the trusted channel you initiated—not by returning to the original message.
- Report suspected fraud. You can report fraud to the FTC at ReportFraud.ftc.gov. For a suspicious text, forward it to 7726 (SPAM) or use your phone’s report-junk feature.
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.” A familiar bank name, convincing caller ID, or knowledge of personal details does not authenticate a message or caller.
Is this bank security text real?
You cannot reliably establish that from the message itself. The FTC describes scam texts that resemble bank fraud alerts, claim suspicious activity, and ask recipients to call or confirm a purchase. Verify through your bank’s official app, website, card, or statement instead of using a link or number in the text.
Bank impersonation was the most reported text scam in 2022 and was reported nearly 20 times as often as in 2019, according to FTC figures cited by the FDIC. The FDIC also reports that consumers lost $12.5 billion to all reported fraud in 2024; that total is not specific to bank-alert scams. These figures describe reported scams and losses, not the odds that any particular alert is fake. (FDIC, June 2025)
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What if the alert turns into a phone call?
If someone calls claiming to be from your bank’s fraud department, do not give them a verification code or transfer or withdraw money to “protect” it. Hang up, then call the bank yourself using a number on your card or recent statement, or contact it through the official app or website. Never give an unexpected caller remote access to your phone or computer. (FTC, June 2024; FTC, January 2026)
What if you already clicked, shared information, or moved money?
- Contact your bank immediately through a trusted route. Tell it whether you clicked a link, entered credentials or personal information, shared a code, or sent money. Ask what protections are appropriate for the specific account or payment involved.
- Use the right recovery service for exposed personal information. If sensitive personal information may have been exposed, go to IdentityTheft.gov for a recovery plan.
- Report suspected fraud. File a report with the FTC at ReportFraud.ftc.gov. If the contact asked you to send money to protect it, CFPB guidance also identifies the FBI, your state attorney general, and local police as possible contacts for people who believe they are victims.
There is no single recovery procedure that fits every account or incident. Your bank can advise based on what was shared or transferred.
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Where to get help in the United States
This guidance and the reporting services above are U.S.-focused. Reporting channels and consumer protections vary by country, so outside the United States contact your bank through its official channels and consult the appropriate local consumer-protection or fraud-reporting authority.
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