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Open the companion tool →Why incoming calls and alert numbers cannot be trusted
Caller ID spoofing allows scammers to display your bank's actual name or phone number on your screen.
Your bank already knows your account numbers and will never ask for your one-time passcode or online banking password.
The protocol
- Do not reply to the text or tap any links provided.
- If called, hang up immediately without answering questions.
- Look at the phone number on the back of your physical credit or debit card.
- Call that exact number to speak directly with your bank's real fraud department.
What the tool does
Check an urgent bank alert message and follow the verified callback protocol. Runs in browser.
Limit first: This tool guides channel verification. It cannot directly access your bank account.
Open the companion tool →One human next step
If you gave out a passcode or banking password, log into your official bank app immediately to lock your card and call the back-of-card number.
Research log and safety checks
AI-assist path: channel-verification protocol. §6.10: not a frontier-pace topic.
§0.5 protection result: category is scam-fraud-defense; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.