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If you receive a text that claims to be from your bank, look for these three phrases. Real banks almost never use them — but scammers use them constantly.

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1. "Immediately" or "Right now"

A genuine bank alert might say "We noticed unusual activity on your account" and ask you to call the number on the back of your card. It rarely demands you act immediately through a link.

Scammers add urgency because panic stops you from thinking clearly. If a message tries to rush you, that's your first red flag.

2. "Click here to verify your identity"

Banks already know who you are. They don't need you to "verify your identity" through a text-message link. If your bank genuinely needs to confirm something, they'll ask you to log in through the official app you already have on your phone — or call them directly.

Any message that includes a link and the word "verify" should be treated as suspicious until proven otherwise.

3. "Your account will be suspended"

This is the threat that gets the most people. It triggers fear — what if I lose access to my money? — and fear is exactly what scammers are counting on.

Here's the reality: if your bank does need to restrict your account for security reasons, they'll contact you through secure channels and give you a clear process. They won't threaten you over a text message with a countdown timer.

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The 7-Second Rule

When you get any message that mentions your bank, pause for 7 seconds and ask yourself:

• Did I expect this message?

• Does it want me to click a link or share a code?

• Is it trying to make me feel panicked?

If the answer to any of those is "yes," do not tap anything. Open your banking app directly (not through the link) or call the number printed on your bank card.

That 7-second pause is the single most powerful habit you can build to protect yourself.

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I wrote a complete guide that walks you through every type of fake bank message — emails, texts, and even phone calls — with real examples and printable checklists. If you want the full method, take a look at The Calm Fraud Spotter.