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Common tactics include fabricating emergency scenarios to pressure you into sending funds, tricking you into revealing a one-time passcode, or gaining remote access to your device.
Top Scams to Watch For
Bank Impersonation:
Scammers call, text, or FaceTime you appearing to represent your bank. They may cite fake fraudulent activity and ask you to transfer funds to a "safe account" or share a security code.
Peer-to-Peer (P2P) Fraud:
You are tricked into sending money via apps like Zelle, Venmo, or Cash App to resolve an issue, only to find the bank cannot recover the funds once authorized.
Phishing & Smishing:
Urgent text messages or emails containing malicious links claiming your account is suspended or locked.
Federal Deposit Insurance Corporation FDIC.gov
Verify the Caller: Hang up immediately if someone calls claiming to be from your bank. Call the official number on the back of your debit or credit card or visit your bank's verified website.
Never Share Passcodes:
Legitimate bank representatives will never ask you for a one-time passcode, your online password, or your ATM PIN
Ignore Urgency:
Beware of artificial panic. Banks do not pressure you to take immediate action or wire money.
Watch for Screen Sharing:
Never share your phone or computer screen with an unsolicited caller.
What to Do If You Are Targeted:
If you shared information or sent money, contact your bank immediately. You should also report the fraud to the FBI Internet Crime Complaint Center and file a scam alert with the Federal Trade Commission.
Excell Technologies LLC - Copyright ©2026
Bank Impersonation:
Scammers call, text, or FaceTime you appearing to represent your bank. They may cite fake fraudulent activity and ask you to transfer funds to a "safe account" or share a security code.
Peer-to-Peer (P2P) Fraud:
You are tricked into sending money via apps like Zelle, Venmo, or Cash App to resolve an issue, only to find the bank cannot recover the funds once authorized.
Phishing & Smishing:
Urgent text messages or emails containing malicious links claiming your account is suspended or locked.
Federal Deposit Insurance Corporation FDIC.gov
Verify the Caller: Hang up immediately if someone calls claiming to be from your bank. Call the official number on the back of your debit or credit card or visit your bank's verified website.
Never Share Passcodes:
Legitimate bank representatives will never ask you for a one-time passcode, your online password, or your ATM PIN
Ignore Urgency:
Beware of artificial panic. Banks do not pressure you to take immediate action or wire money.
Watch for Screen Sharing:
Never share your phone or computer screen with an unsolicited caller.
What to Do If You Are Targeted:
If you shared information or sent money, contact your bank immediately. You should also report the fraud to the FBI Internet Crime Complaint Center and file a scam alert with the Federal Trade Commission.
Excell Technologies LLC - Copyright ©2026