We’ve had reports of suspicious text messages being sent to some members stating that their debit card has been temporarily locked and to call an 800 number.
Beacon Credit Union does not send debit card notifications via text messages to members. If you receive one of these messages, be assured it is NOT from your credit union.
How To Avoid Smishing Scams
Don’t be misled by smishing scams. Remember the following:
- Government agencies, banks, and other legitimate companies never ask for personal or financial information, like usernames, passwords, PINs, or credit or debit card numbers via text message.
- Don’t be rushed. Smishing scams attempt to create a false sense of urgency by implying that an immediate response is required or that there is a limited time to respond.
- Don’t “click” open links in unsolicited text messages. Clicking the link may infect your mobile device with a virus or malware designed to steal the personal or financial information stored on the device.
- Don’t call a telephone number listed in an unsolicited text message. Scam artists often use email-to-text technology, short codes, or spoofed local numbers to hide their identity. You should contact any bank, government, agency, or company identified in the text message using the information listed in your records.
- Don’t respond to smishing messages, even to ask the sender to stop contacting you. Responding to smishing messages verifies that your phone number is active and that you are willing to open such messages, which may lead to an increase in the unsolicited text messages you receive.
- Never provide your personal or financial information in response to text messages from unknown senders. Verify the identity of the sender and take the time to ask yourself why the sender is asking for your information.
- Use the same safety and security practices on your cell phone as you do on your computer: be cautious of text messages from unknown senders, as well as unusual text messages from senders you do know, and keep your security software and applications up to date.