4 Ways to Identify Text Fraud

With text messaging fraud on the rise, it’s a good time for a refresher course on the signs to keep an eye out for. Read on to increase your ability to spot red flags and stop fraud before it happens.


#1 – Never trust a link, especially an odd-looking one.
A link in a text message about your finances is almost always fishy. Take your time to look at the details. Seeing a string of letters and numbers? Or maybe words you associate with your financial institution, but they’re not quite right? These are red flags. Do not click on the link!


Image of Smartphone screen displaying three fraudulent text messages.

#2 – Always check the sender. 
Treat texts from odd phone numbers or emails with caution. Maybe it’s a string of numbers again or an email using those buzzwords that seem a bit off. That feeling you’re having about the sender’s information is right on. Trust your gut. 


  • Tip: Utilize your phone’s message filtering settings to keep messages from unknown senders at bay. 

#3 – Ask yourself questions about the topic. 
Does it seem strange that BHFCU would text you about making a transfer or transaction? That’s because it is! BHFCU will never send a text message containing a link asking you to:


  • Secure your account.
  • Verify your account to unlock it.
  • Prove a transaction is or is not fraudulent.
  • Stop a transaction from processing.
  • Provide your Online Banking username or password, authorization codes, social security number, or other personal information.

#4 – Keep an eye on grammar and spelling.
Does what you’re reading in that text not make much sense? Are you seeing grammar and spelling errors? These little things can be a sign that something isn’t right.


It’s important to take precautions to keep your personal information safe:

  • Review your account activity and statements often to spot suspicious activity sooner.
  • Enroll in real-time alerts like BHFCU’s Card Controls and Alerts.
  • Regularly update your passwords.
  • Enable two-factor authentication when available.

Learn more about how to stop fraud in its tracks here.