Bank Fraud Alert Calls: How to Tell a Real One

A caller says there's suspicious activity on your account and they need to 'verify' your details or move your money. That's the scam.

How it works

The caller knows your bank, maybe your name, and spoofs the number on the back of your card. They say someone is trying to withdraw money and ask you to read out a code that was just texted to you. That code is the one the scammer triggered by trying to log in as you.

Things a real bank won't ask

Your full card number, PIN, online password or one-time passcode.
To move your money to a "safe account" or to buy gift cards.
For remote access to your computer or phone.

How to verify safely

Hang up, even if the caller sounds professional or the screen shows your bank's name.
Call the number on the back of your card or the bank's official website, not one the caller gave you. Our official numbers list has major banks.
Wait a minute or call from a different phone, so the scammer can't hold the line open and answer as the bank.
If you shared a code or moved money, call your real bank right away and report it at reportfraud.ftc.gov.

Sources

FTC: Phone scams

Reviewed October 2026. Rules and scam tactics change; check the official pages for the latest.

Check a number

Got a number you don't recognize? Look it up to see where it started and whether it looks risky.