What is smishing? How to spot and stop text message scams
Lately, it seems every time you casually scroll through your phone, a text pops up from a number you don’t recognize. It might claim there is an issue with your bank account, a package on the way, a toll you have not paid, or that you’ve won a prize. Sound familiar? If it feels suspicious, trust your instincts. Don’t click.
Author: Sherry McKee, VP/Director of Technology and Facilities, PremierBank
This kind of scam is called smishing, a type of phishing that happens via SMS (text message). The goal is to trick you into sharing personal info like bank details, passwords, or Social Security numbers.
How smishing works
Scammers often pretend to be from trusted sources such as banks, delivery companies, and charities. Their end goal is to get you to click a link or reply with sensitive information. Once they have it, they can access your accounts or steal your identity.
Common smishing examples
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“Problem with a debit card,” seemingly from your bank
- “Delivery service issues,” such as a package waiting at the post office
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“You’ve won a prize!” texts
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Password or account change alerts
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Texts pretending to be from a friend or coworker
How to protect yourself
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Pause before you click – Look for red flags like urgent language, unfamiliar links, or typos.
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Block and report – Most phones let you report spam.
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Use strong security tools – Password managers and identity monitoring services can help protect your info.
Bottom line
Scammers are getting smarter, but you are too. If something feels off, don’t respond. Stay alert, and take simple steps to keep your personal information safe.
It is important to remember that PremierBank will never call, text, or leave a voicemail asking for your personal or financial information. If you receive a suspicious call, voice mail, or text message, do not respond. Instead, contact us at 920-563-6616 to report it.