Bank Impersonation Scam
Scammers pose as your bank's fraud department. Your bank will never ask you to move money to protect it.
🚩 Red Flags
- ⚠Unsolicited call about fraud
- ⚠Asked to transfer money to "protect" it
- ⚠Asked to share one-time passcodes
- ⚠Pressure to stay on line
🛡️ Protect Yourself
- →HANG UP even if caller ID shows bank
- →CALL BACK using number on your card
- →NEVER TRANSFER: Banks don't ask this
- →NEVER share one-time passcodes
More Details
- “This is your bank's fraud department”
- “Transfer funds to this safe account”
- “Read me the code we just texted”
- “Don't hang up—fraudsters want you to”
Common Questions
Scammers call as your grandchild in trouble — arrested, hospitalized. AI can clone voices from social media. FBI tracked 357 complaints and $2.7M losses in 2024. Hang up and call them directly.
Hang up. Call using the number on your card. Never trust caller ID — scammers spoof numbers.
They send written notices first, never threaten same-day shutoff by phone, never demand gift cards. Hang up and call your bill number.
Establish family code word. Discuss scams. Encourage hanging up and calling back. Remind them it's okay to say no.
Report This Scam
If you've encountered this scam, report it to help protect others.
Warn Someone You Know
Know someone who might fall for this? Share this warning with them.
Related Scams
Zelle Payment Scam
Scammers trick victims into sending money via Zelle through fake bank fraud alerts or overpayment schemes. Zelle transfers are instant and irreversible.
Social Security Suspension Scam
Scammers claim your SSN has been "suspended" due to criminal activity. This is impossible—SSNs cannot be suspended.
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73% of Americans targeted(Pew, 2025)
|$470M lost to text scams in 2024(FTC)
|$16.6B total losses(FBI IC3, 2024)