How to Tell if a Text Message is a Scam

Text message scams, also known as "smishing" scams, have become increasingly common. Scammers use text messages to impersonate banks, delivery companies, government agencies, and other trusted organizations in an attempt to steal personal information or money.

Knowing the warning signs can help you avoid becoming a victim.

It Creates a Sense of Urgency

Scammers often try to pressure you into acting quickly. Messages may claim your account has been locked, a payment is overdue, or immediate action is required to avoid a penalty. The goal is to get you to react before you have time to think.

It Asks for Personal Information

Legitimate organizations generally will not ask you to provide sensitive information through a text message. Be cautious of messages requesting passwords, account numbers, Social Security numbers, security codes, or online banking credentials.

It Includes a Suspicious Link

Many scam texts contain links that lead to fake websites designed to steal your information. Before clicking, take a close look at the web address. Misspellings, extra characters, or unusual domain names are common red flags.

The Message Is Unexpected

If you receive a text about a package you did not order, a prize you did not enter to win, or an account you do not have, it is likely a scam. Unexpected messages should always be treated with caution.

It Contains Poor Grammar or Spelling

While not all scam messages are poorly written, many contain spelling mistakes, awkward phrasing, or unusual formatting that would be uncommon in official communications.

What Should You Do?

If you receive a suspicious text message, do not click any links, reply to the message, or provide any personal information. Instead, contact the organization directly using a phone number or website you know is legitimate.

If the text appears to be from your financial institution, contact them through their official website, mobile app, or customer service number to verify whether the message is legitimate.

When in Doubt, Verify

Scammers are constantly finding new ways to make their messages appear convincing. Taking a moment to verify a text message before responding can help protect your personal information, your accounts, and your finances.

If something feels off, trust your instincts and verify the message through an official source before taking any action.