How do I know if a text is from Bank of America?
Bank of America often sends messages from SMS short numbers for alerts, but we will never ask you for personal or financial information in a text message. Verify any phone number that appears in a text message.
Contacted unexpectedly by phone, email, text, direct message or pop-up with a request for personal information or money. Never click a link or download an attachment from someone you don't know. Bank of America will never text, email or call you asking for personal or account information.
Contact your bank to find out the short codes it uses for texting. If you receive a text claiming to be from your bank but it uses a different short code, the text is fraudulent. Beware of texts that provide email addresses or phone numbers and ask you to respond.
Here are some short codes for fraud and security alerts used by some major banks: Chase: 28107, 36640, 72166. Bank of America: 322632 (credit card security), 39989 (debit card security), 96264 (small business credit card), 86006 (check fraud), 55983 (banking security), 56433 (account takeover), 80814 (Zelle)
Most banks take care to explain their policies on a security or privacy page. Bank of America says that it will "never text, email or call you asking for personal or account information." Banks will also not ask you to verify your identity by clicking a link. Second, watch for claims of urgency.
| Type of Security Alert | Short Code |
|---|---|
| Account restrictions | 85594 |
| Credit card | 322632 |
| Debit card | 39989 |
| Small business credit card | 96264 |
Marketing and promotions: Financial institutions may use SMS to send promotional offers and special deals to customers. Mobile payments: bank SMS can also be used as a payment method.
Bank of America will text customers about account updates or transactions. Scammers mimic these texts to try and get you to call them or give up your account details. Fraudulent emails. Con artists also use phishing emails to try and gain access to your accounts or get you to visit a fake Bank of America website.
Contact the bank, government agency, or company that the scam artist is impersonating so it can alert others and work with law enforcement to investigate the activity. Forward smishing messages to short code 7726—which spells “SPAM” on your keypad.
Suppose you've made a transaction from your bank. Immediately the bank notifies you by giving you a text message. This message will appear on your mobile and you'll get a notification about it.
How do I get text messages from Bank of America?
- Open the Mobile Banking app, sign in and go to Alerts from the main menu.
- Select Set up alerts at the bottom of the screen.
- Slide the Notifications button to ON.
- You'll get a one-time message confirming that you'd like to receive notifications.
Enter Authorization Code
To verify your identity, we need to provide you an authorization code. Call 800.933. 6262 to get the code. The code expires 10 minutes after you request it.
For help or information regarding text messaging, text HELP to 53849 or contact our customer service at 800. 933.6262 for consumer accounts and 866.758. 5972 for small business accounts.
- Unsolicited and suspicious messages, emails and social posts containing shortened links.
- Web pages that ask for login credentials or other sensitive information.
- Suspicious emails with uncharacteristic language.
- Web pages with suspicious or copycat URLs.
| Bank | Forbes Advisor Rating | Products |
|---|---|---|
| Chase Bank | 5.0 | Checking, Savings, CDs |
| Bank of America | 4.2 | Checking, Savings, CDs |
| Wells Fargo Bank | 4.0 | Savings, checking, money market accounts, CDs |
| Citi® | 4.0 | Checking, savings, CDs |
Valid numbers for this vendor our fraud monitoring vendor, Enfact, are 1-833-735-1894 for calls and 1-833-735-1892 for texts or SMS 37268. At Northwest Bank, your security is our priority.
The routing number for Bank of America is 026009593 for domestic and international wire transfers.
Contact us at 800.432.1000.
Is Bank of America FDIC insured? Yes, all Bank of America bank accounts are FDIC insured (FDIC #3510) up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.
For example, when the message displays '0232****11' instead of '0232457611'. The debit alert was sent from a mobile number. Although this kind of scenario is usually rare, it may still occur and it is one of the easiest ways to spot a fake debit alert at a glance.
What is an example of SMS banking?
The most common type of push messages include alerts such as amount credited/debited in account, cash withdrawals, bill payment reminders, credit card transaction details, etc. Pull Messages: The most popular example of pull messages is OTP (one-time password).
- Go to Settings and tap on notifications.
- Find the messages, Tap on them.
- Tap on Show Previews that you can find it under Options.
- Select never.
- Also, if you don't want the other person to know that any message has arrived, you can head to Messages and then tap on Sounds.
- Tap on Vibration and opt for none.
Fraud alerts are sent when we identify potentially suspicious activity on your account. If you get one, review the transaction to see if it's valid. If it is valid, respond to the email or text to confirm if the activity is valid. If it's not valid, contact us immediately.
Low balance alert
Low balance alerts let you know when your bank account balance drops to a predetermined amount, which could be $20, $500 or another selected amount. Depending on the bank, these alerts can come in the form of an email, text message or push notification — or all three.
I've been a BofA cardholder for the better part of two decades, and every year spend an hour or so verifying flagged transactions via phone with bank-fraud reps. It's an annoying, but necessary, part of making 50 to 100 charges every month for home and business. 1-800-427-2449 for additional information.
References
- https://www.aura.com/learn/fake-bank-text-messages
- https://simpletexting.com/blog/how-to-identify-a-fake-text-message/
- https://www.aura.com/learn/scammer-phone-numbers
- https://blog.popularbank.com/09-19-2023/protect-yourself-from-the-latest-bank-phone-call-scam/
- https://www.contactmonkey.com/blog/sms-banks-financial-services
- https://www.bankofamerica.com/security-center/faq/data-compromise/
- https://www.twilio.com/docs/glossary/what-sms-tracker
- https://www.experian.com/blogs/ask-experian/what-can-someone-do-with-your-bank-account-and-routing-numbers/
- https://www.fcc.gov/port-out-fraud-targets-your-private-accounts
- https://www.bylinebank.com/insights/heres-what-happens-when-hackers-get-access-to-your-banking-info/
- https://www.sc.com/in/bank-with-us/mobile-sms-banking/
- https://promo.bankofamerica.com/digital_banking_demo/mobilealerts
- https://www.linkedin.com/pulse/mobile-banking-app-development-different-types-8-major-step-7jifc
- https://nordvpn.com/blog/mobile-banking-safe/
- https://www.fcc.gov/consumers/guides/stop-unwanted-robocalls-and-texts
- https://www.quora.com/Can-I-use-a-no-fee-banking-account-for-online-or-mobile-banking
- https://smartsmssolutions.com/blog/81-tutorial/1411-what-does-a-debit-alert-message-look-like
- https://money.howstuffworks.com/personal-finance/online-banking/safe-to-talk-to-bank-via-sms.htm
- https://www.bankofamerica.com/deposits/account-information-and-access-faqs/
- https://www.icicibank.com/blogs/mobile-banking/difference-between-mobile-and-internet-banking
- https://www.chime.com/blog/phone-scams/
- https://secure.bankofamerica.com/login/enroll/displaysa.go
- https://time.com/personal-finance/article/what-is-mobile-banking/
- https://www.avast.com/c-can-someone-hack-your-phone-by-calling-you
- https://www.robokiller.com/blog/avoid-bank-of-america-text-scams
- https://www.texasattorneygeneral.gov/consumer-protection/watch-out-romance-scams
- https://www.forbes.com/advisor/credit-cards/fraud-detection-policies/
- https://www.bankofamerica.com/onlinebanking/education/mobile-banking-alerts.go
- https://medium.com/@efim.lerner/how-do-you-check-if-a-phone-number-belongs-to-a-scammer-6c7fa2c07576
- https://www.keepersecurity.com/blog/2023/10/18/can-you-get-hacked-by-replying-to-a-scam-text/
- https://www.quora.com/Is-it-safe-to-provide-a-customer-with-a-bank-account-number-and-routing-number-via-text-message
- https://www.ag.state.mn.us/Consumer/Publications/TextMessagePhishing.asp
- https://www.bankfive.com/blogs/november-2023/5-tips-for-protecting-your-bank-account-information
- https://www.helpwithmybank.gov/file-a-complaint/report-scam-fraud.html
- https://www.cnb.com/personal-banking/insights/bank-text-scams.html
- https://www.aura.com/learn/how-to-tell-if-someone-is-scamming-you-online
- https://suitsmecard.com/blog/is-there-a-difference-between-mobile-and-online-banking
- https://en.wikipedia.org/wiki/SMS_banking
- https://www.bajajfinservmarkets.in/banking/sms-banking.html
- https://www.forbes.com/advisor/banking/bank-of-america-review/
- https://www.wellsfargo.com/help/mobile-features/text-banking-faqs/
- https://www.blackview.hk/blog/guides/can-someone-hack-bank-account-with-phone-number
- https://us.norton.com/blog/how-to/is-mobile-banking-safe
- https://ag.ks.gov/docs/default-source/publications/protect-yourself-from-identity-theft.pdf?sfvrsn=f7b6b6dd_14
- https://wise.com/us/routing-number/bank-of-america
- https://www.bankofamerica.com/security-center/report-suspicious-communications/
- https://www.mightycall.com/833-area-code-number/
- https://www.ir.com/guides/swift-message-format
- https://www.bankofamerica.com/security-center/bank-fraud-prevention/
- https://www.aura.com/learn/bank-of-america-scams
- https://www.texasattorneygeneral.gov/consumer-protection/financial-and-insurance-scams/bank-and-check-scams
- https://www.hayesconnor.co.uk/news-resources/news/what-to-do-if-your-bank-account-is-hacked/
- https://www.bankrate.com/banking/checking/mobile-banking-account-alerts/
- https://www.cnet.com/personal-finance/banking/advice/are-banking-apps-safe/
- https://promo.bankofamerica.com/welcome/assets/dist/imgs/helpful-phone-numbers.pdf
- https://www.cnet.com/personal-finance/banking/real-or-fake-how-to-avoid-sneaky-sms-phishing-bank-scams/
- https://www.quora.com/How-can-I-hide-SMS-text-messages
- https://www.tech42llc.com/bank-text-message/
- https://www.bankofamerica.com/customer-service/contact-us/atms/
- https://www.bankrate.com/banking/savings/online-vs-brick-and-mortar-banks/
- https://www.sofi.com/learn/content/what-can-someone-do-with-your-bank-account-and-routing-number/
- https://www.identityguard.com/news/what-happens-if-you-answer-a-spam-call
- https://www.linkedin.com/pulse/key-differences-between-mobile-wallets-money-guide-patrick-mutabazi
- https://www.jamf.com/blog/signs-youve-been-fished/
- https://www.firststateks.com/Fraud-Prevention
- https://www.forbes.com/advisor/banking/safest-banks-in-the-us/
- https://www.citizensadvice.org.uk/consumer/scams/check-if-you-can-get-your-money-back-after-a-scam/
- https://paymattic.com/what-is-an-sms-notification/
- https://support.google.com/phoneapp/answer/3459196?hl=en
- https://www.nerdwallet.com/article/banking/is-it-safer-to-bank-on-your-phone-or-your-computer
- https://finance.yahoo.com/news/tell-whether-really-bank-contacting-180024536.html
- https://www.starlingbank.com/resources/banking/bank-accounts-explained-sort-code-account-number/
- https://www.northwest.bank/security-center/
- https://www.discover.com/online-banking/banking-topics/protect-your-bank-account/
- https://www.usbank.com/customer-service/knowledge-base/KB0249205.html
- https://www.fox5atlanta.com/news/the-top-12-numbers-scammers-use-to-text-or-call
- https://news.bloomberglaw.com/banking-law/wells-fargo-bnp-to-pay-millions-in-us-fines-in-whatsapp-probes
- https://www.aura.com/learn/what-can-someone-do-with-your-name-address-and-phone-number
- https://necu.org/how-we-contact-you
- https://www.icicibank.com/blogs/mobile-banking/mobile-money-vs-mobile-banking
- https://www.bankofamerica.com/security-center/avoid-bank-scams/
- https://www.bankofamerica.com/security-center/faq/sharing-information/
- https://www.nomorobo.com/lookup/800-317-6345
- https://secure.bankofamerica.com/sparta/login/ah-omni-auth/?flow=mit
- https://medium.com/@efim.lerner/spot-the-scam-simple-ways-to-check-if-a-phone-number-is-fraudulent-fec2c49e716f
- https://finovate.com/self-service_myfraudprotection_from_bank_of_america_allows_online_review_of_potentially_fraudulent_c/
- https://www.wsfsbank.com/resources/wsfs-bank-text-notification-service/
- https://redoxygen.com/blog/complete-guide-to-sms-for-banks/
- https://www.aura.com/learn/bank-scams
- https://www.comreg.ie/advice-information/scam-calls/
- https://www.text-em-all.com/blog/how-to-identify-a-fake-text-message
- https://www.sbi.co.in/webfiles/uploads/files/1302677132563_USER_MANUAL_SMS_BANKING.pdf
- https://www.fcc.gov/avoid-temptation-smishing-scams
