Text Message Scams: How to Spot Them

Phishing text messages, sometimes called “smishing”, are another way scammers try to trick you into handing over personal information like your password, PIN, or Social Security number. Their goal is to gain access to your bank account and your money. However, as long as you don’t click or reply, you’re safe. The key is recognizing the red flags before you act.

Red Flags to Watch for in Text Messages

1. Acting Too Quickly
Scammers want you to feel rushed or confused, so you don't stop to think before responding. They might use threats like:
- "Your account will be closed if you don't act now!"
- "Suspicious activity detected. Verify immediately."
Reality Check: Banks will never pressure you or use scare tactics in a text message. If you feel rushed, it's a red flag.
2. Suspicious Links
Never click on a link in a text message, especially if it asks you to log into your bank account. Fraudsters use fake websites to steal your username and password. 
Best practice: Visit your bank's website by typing the URL (WeAreLiberty.Bank) directly into your browser, or use your bank's official mobile app.
3. Requests for Personal Information
Your bank will never ask for your PIN, password, or a one-time login code in a text. If you receive one that does, it's a scam — no matter how official it may look.

What to Do If You Fall for a Phishing Text Message

If you've clicked a link or responded to a scam text, don't panic. Take action immediately:
  • Change your password if you entered your login information on a fake site.
  • Contact your bank right away to secure your accounts.
  • File a police report if you lost money.
  • Report the scam to the Federal Trade Commission (FTC) at www.ftc.gov or call 1-877-FTC-HELP (382-4357).

Stay Safe with Text Messages

Phishing texts are designed to look urgent and convincing, but slowing down and thinking before you act is the best defense. Don't click, don't reply, and never send personal information. When in doubt, delete the message and contact your bank directly. 

Final Reminder

Your bank will never send a text asking for your personal information or pressuring you to act fast. By spotting the red flags and staying cautious, you can keep your accounts and your money safe.