Text message scams—known as smishing—have become one of the
fastest‑growing
forms of digital fraud. Scammers know that people trust their phones, respond
quickly to texts, and often don't pause to verify the source. For bank
customers, this can create real risk.
What
Smishing Looks Like Today
Smishing attempts often appear to come from trusted sources:
your bank, a delivery service, a government agency, or even a coworker.
Messages may claim:
- "Your account is locked—verify now."
- "Unusual activity detected. Tap to secure your account."
- "Your package is delayed. Update your information."
These messages are designed to create urgency so you act
before thinking.
Red Flags
to Watch For:
- Unknown or shortened links
- Urgent or threatening language
- Misspellings or odd phrasing
- Requests for personal or financial information
- Numbers that don't match official contact information
If something feels off, it probably is.
How
Scammers Target Bank Customers
Fraudsters know that financial messages get attention. They
may impersonate your bank, mortgage servicer, or even a banker. Their goal is
to get you to click a link that steals your login credentials or installs
malware.
How to Protect Yourself:
- Never click a link from an unexpected text.
- Contact Red River Bank using a verified phone number or website.
- Delete suspicious messages immediately.
- Enable multi‑factor authentication on your accounts.
Remember: Red River Bank will never ask for personal information
through an unsolicited text message, especially through a link.
What to
Do If You Receive a Suspicious Text
- Do not respond.
- Do not click any links.
- Contact Red River Bank to confirm whether the message was legitimate.
Report scams to your local authorities and Red River Bank at 866-561-4090.
