Stay Safe from Mobile Scams: What to Look for and What to Do

As scammers continue to develop new ways to target people through text messages and mobile devices, it’s more important than ever to stay informed and prepared. Thanks to recent software updates, many smartphones can now flag suspicious messages and while this is a valuable layer of protection, your awareness is essential in spotting scams. 

Being aware of the warning signs and knowing how to take action can make all the difference in keeping your information safe.

Real Messages vs. Scams: How to Spot the Difference

Scammers often send fake messages that appear to come from your bank. These messages are designed to create panic, urgency, and confusion, so you’ll click a link or share sensitive information without thinking twice.

These are common signs a message may be fraudulent:

• The message comes from an unknown or unusual number.
• Contains typos, poor grammar, or awkward language.
• Uses scare tactics like “Your account will be closed!”
• Includes unfamiliar or random links.
• Asking for personal information like your password, PIN, or account number.

Never Give Out Your Personal Banking Information

Your bank will never ask you to share sensitive information like your login credentials, PIN, or verification codes via text, phone call, or email. Banks don’t need this information to assist you or to verify your identity. If someone is asking for that type of information, it is a scammer trying to trick you. 

What to Do If You Receive a Suspicious Text:

1. Stop - Do not click on any links, download attachments, reply, or share personal information, even if the message looks official.
2. Verify - Check the sender’s phone number.
3. Contact Your Bank - Still unsure? Call your bank directly to confirm whether the message is real. It’s always better to double-check.

Fraud Prevention Checklist

• Talk to your family, especially teens and older adults, about scam.
• Review your alert settings in online and mobile banking to ensure you’re receiving real notifications. 
• Report suspicion of scams or fraud to your bank.
• Never share your banking information, no matter how convincing the message may seem. 

Committed to Keeping You Informed and Protected

Scammers may never stop but neither will we. At BOS, we’re committed to helping you stay informed, empowered, and confident in protecting your financial security. Fraud tactics may change, but with the right knowledge and support, you can stay one step ahead.

If you ever receive a suspicious message or have questions about your account, please call us at 877-698-3278.

Check out more fraud awareness resources