What is Smishing?
Smishing is a type of fraud that uses text messages (SMS) to trick you into sharing personal, financial, or security information. The term combines “SMS” (short message service) and “phishing,” which is a broader scam tactic where attackers pose as trusted institutions.
How Smishing Works
Fraudsters send a text message that may look like it’s from your bank, a government agency, or a well-known company. These messages often:
- Claim there’s a problem with your account
- Ask you to click a link to verify information
- Urge you to call a phone number to avoid a penalty or secure your funds
- Contain urgent or threatening language
Once you click the link or call the number, you may be asked to provide sensitive information such as:
- Your online banking login or password
- Debit or credit card numbers
- Personal ID information (like your Social Security Number)
This information is then used to commit fraud or identity theft.
How to Spot Smishing Messages
Look out for these red flags:
- Messages from unknown numbers or short codes
- Spelling or grammar mistakes
- Suspicious links (often shortened URLs)
- Unexpected requests for personal or financial details
- Claims that your account will be locked or charged if you don’t act immediately
What to Do if You Receive a Suspicious Text
- Do NOT click any links or respond.
- Do NOT share any personal or banking details.
- Report the message to your mobile carrier by forwarding it to 7726 (SPAM).
- Contact your bank directly using official phone numbers or through your secure banking app.
How We Protect You
At GCBB we will NEVER:
- Ask for your PIN, password, or full account number via text
- Send you links to log into your account directly from a text message
- Pressure you to act urgently over SMS
If you’re ever in doubt, contact us directly through our secure channels or all us at 239-345-2265.
Stay Safe: When in Doubt, Reach Out
Your security is our priority. If you receive a suspicious text claiming to be from us, let us know right away. Together, we can fight fraud and keep your information safe.