If you are searching for “Bank of America text scam,” “Bank of America fraud alert text,” “BofA phishing text,” or “Bank of America account locked text,” you may have received an alarming message about suspicious activity, an unauthorized purchase, a blocked card, or a Zelle transfer.
The short answer is that Bank of America is a legitimate bank and may send real account alerts. However, an unexpected text asking you to click a link, call an unfamiliar number, provide account information, share a verification code, install an app, or move money is likely an impersonation scam.
Do not use the link or phone number in the text. Open the official Bank of America app yourself or call the number printed on the back of your card or on your bank statement.
Quick Verdict
Likely Scam if the text is unexpected and asks you to click, call, share information, provide a code, or move money.
Bank of America can send legitimate account alerts and one-time security codes. However, Bank of America says it will not contact you asking for personal or account information or an authorization code.
The bank will also not tell you to transfer money to yourself, another account, Zelle, cryptocurrency, or a so-called secure account because fraud was detected.
If you responded to the message, clicked its link, disclosed a code, or moved money, call Bank of America immediately using the number printed on your card or statement.
Is the Bank of America Text Message a Scam?
A Bank of America text is likely a scam when it arrives unexpectedly and tries to make you take action through the message.
Common warning signs include:
- A link asking you to log in or verify your identity.
- A telephone number that is not printed on your card or statement.
- A request for your password, PIN, Social Security number, or account number.
- A request for a one-time authorization or verification code.
- A claim that your account will be suspended within minutes.
- A request to send money through Zelle, wire transfer, gift card, or cryptocurrency.
- Instructions to move money into a “safe,” “secure,” or “protected” account.
- A request to download an app or allow remote access to your phone or computer.
- Instructions not to speak with a branch employee or another bank representative.
Do not assume a message is genuine because it displays “Bank of America,” includes part of your name, or appears to come from a familiar telephone number. Scammers can imitate bank communications and may already know limited personal information about you.
What Does a Bank of America Scam Text Say?
The wording changes frequently, but fake Bank of America messages commonly claim:
- An unusual transaction was detected.
- Your debit card has been temporarily locked.
- A payment was declined.
- A new device accessed your account.
- Your online-banking access has been suspended.
- A Zelle transfer is pending.
- Your identity must be verified.
- Your contact information has changed.
- A large purchase requires confirmation.
- You must reply YES or NO to prevent fraud.
The message usually creates fear and gives you a link, reply instruction, or callback number. The goal is to make you respond before checking your account independently.
Common Bank of America Text Scam Examples
Bank of America Unusual Activity Text
A message may say:
“Bank of America Alert: Unusual activity was detected on your account. Verify immediately to prevent suspension: [link].”
Do not click the link. Open the Bank of America app yourself and review your account activity.
Bank of America Account Locked Text
The text claims your account or card has been locked and says you must sign in through a provided link.
The link may open a fake Bank of America login page designed to steal your user ID and password.
Bank of America Zelle Scam Text
The message may claim that a Zelle payment was sent or is waiting for approval. You may be instructed to click a link, reply to the message, or call a fraud specialist.
A scammer may then tell you to send money to yourself or another account to reverse the supposedly unauthorized payment. Do not send the transfer.
Bank of America Purchase Alert Text
The text may ask whether you approved a purchase at a retailer, online store, or unfamiliar location.
Even when the text asks for a simple YES or NO reply, verify the transaction through the official app instead of responding to an unexpected sender.
Bank of America Verification Code Text
You may receive a genuine one-time code because someone is attempting to access your account or initiate an online-banking action.
A scammer may call immediately afterward and claim the code is needed to cancel fraud. Never read the code to anyone. A legitimate code can still be part of a scammer’s attempt to enter your account.
Bank of America New Device Text
The message claims that an iPhone, Android device, browser, or computer was added to your account. It may include a link labeled “Not Me,” “Secure Account,” or “Review Activity.”
Open the official Bank of America app directly and review account security instead of using the link.
Does Bank of America Send Text Messages?
Yes. Bank of America offers legitimate account alerts and may send text messages relating to activity selected in your alert settings.
The bank may also send a time-sensitive one-time security code when you initiate certain actions, such as signing in from an unfamiliar device or completing another protected banking task.
The important distinction is that the code is for you to enter into an official Bank of America screen during an action you initiated. Bank of America will not unexpectedly contact you and ask you to read or send the code to another person.
A real security code does not prove that the person calling or texting you is a bank employee. A criminal may have triggered the real code by attempting to access your account.
How to Verify a Bank of America Text Safely
- Do not click the message’s link.
- Do not reply to the sender.
- Do not call the telephone number in the message.
- Open the official Bank of America app using its normal icon.
- Review recent transactions and account alerts.
- Check the secure Bank of America inbox after logging in.
- Look at your alert settings to see whether you requested that type of notification.
- Call the number printed on the back of your card or on your statement if you remain concerned.
Never search for a telephone number through an advertisement and assume the top result is legitimate. Fraudsters can purchase misleading search advertisements. Use your card, statement, official app, or a website address you type yourself.
Bank of America Text Asking You to Reply YES or NO
Some legitimate fraud-alert systems may ask customers to confirm activity. However, scammers also copy YES-or-NO alert wording because it looks simple and familiar.
An unexpected request to reply should still be verified independently. Open your banking app and check whether the transaction exists.
Do not continue the conversation if the sender responds with a link, asks for personal details, or says a representative will call you.
Bank of America Text With a Link
Treat an unexpected banking link as suspicious, even when it contains the words Bank of America or BofA.
A fake website may copy:
- The Bank of America name.
- Colors and page layouts.
- Login boxes.
- Security warnings.
- Contact information.
- Privacy and legal language.
The page may then request your:
- Online-banking user ID.
- Password.
- Card number and security code.
- PIN.
- Social Security number.
- Email password.
- One-time authorization code.
Do not rely only on a padlock symbol. A fraudulent website can use an encrypted connection while still being operated by criminals.
Bank of America Text Followed by a Phone Call
Some Bank of America text scams use a message followed by a telephone call.
The caller may:
- Claim to be from the fraud department.
- Know your name, telephone number, or partial account details.
- Reference the alert you just received.
- Claim an employee or hacker is stealing from your account.
- Ask you to read a security code.
- Tell you to create a new Zelle recipient.
- Direct you to move money to a safe account.
- Ask you to lie if another bank employee questions the transfer.
Caller ID is not proof of identity. Hang up and call the number on your card or statement.
Never Share a Bank of America Authorization Code
Treat a one-time Bank of America security code like a temporary password.
Do not share it with:
- A supposed fraud specialist.
- A caller who says the code will cancel a transaction.
- A person claiming to secure your account.
- A Zelle representative.
- A police officer or government agent contacting you unexpectedly.
- Anyone who initiated contact with you.
If someone asks for an authorization code, stop communicating and contact Bank of America independently.
Bank of America Will Not Ask You to Move Money
A common bank-impersonation scam claims your money must be transferred to protect it from hackers, dishonest employees, or an unauthorized transaction.
The scammer may call the destination:
- A secure account.
- A safety account.
- A protected account.
- A temporary fraud wallet.
- A Federal Reserve account.
- A verification account.
These accounts are controlled by the scammer or a money mule. Do not transfer money because of an unexpected text or call.
Bank of America will not ask you to transfer money to anyone, including yourself, because fraud was detected.
What to Do If You Received the Text but Did Not Respond
If you did not click, reply, call, or provide information:
- Take a screenshot if you want to preserve evidence.
- Forward the text to 7726, which spells SPAM.
- Forward the suspicious message to abuse@bofa.com.
- Use your phone’s Report Junk or Report Spam option.
- Block the sender.
- Delete the message.
- Review your account directly for actual suspicious activity.
Receiving a scam text does not by itself mean your Bank of America account was compromised. Many phishing texts are distributed widely to people who may not even have an account with the bank.
What If You Replied to the Scam Text?
If you replied but did not share information, click a link, or send money, the immediate risk may be limited. However, your response may tell the sender that your telephone number is active.
Stop replying, block the sender, report the message, and watch for follow-up calls or texts.
Do not answer questions about whether you have a Bank of America account, how much money you have, or which services you use.
What If You Clicked the Bank of America Scam Link?
If you clicked but did not enter information:
- Close the page.
- Do not download files or apps.
- Clear the suspicious page from your browser.
- Update your phone, browser, and security software.
- Run a trusted security scan if available.
- Watch for unexpected app installations or permissions.
Clicking a link does not always mean your account was stolen, but you should remain alert for additional phishing attempts.
What If You Entered Your Bank of America Login?
Act immediately if you entered your user ID or password on a suspicious website.
- Use a different trusted device if you believe your current device may be compromised.
- Go directly to the official Bank of America website or app.
- Change your online-banking password.
- Review your contact information and security settings.
- Check for unfamiliar transfers, recipients, cards, devices, or account changes.
- Call Bank of America using the number on your card or statement.
- Change the password anywhere else you reused the same credentials.
- Secure your email account because it may be used to reset banking passwords.
Do not assume that changing the password is enough if money has moved or account details have changed. Report the incident directly to the bank.
What If You Shared a Verification Code?
Sharing a security code is urgent because the scammer may be attempting to complete a login, transfer, password reset, or other protected action.
- Call Bank of America immediately using the number on your card.
- Tell the representative exactly which code you shared and when.
- Change your online-banking password.
- Review transactions and pending transfers.
- Check whether new recipients, telephone numbers, emails, or devices were added.
- Ask what additional security steps are recommended for your account.
Do not continue speaking with the person who requested the code, even if they claim the call will be disconnected before your account is secured.
What If You Gave the Scammer Your Card Information?
If you provided a debit or credit card number, expiration date, security code, or PIN:
- Lock the card through the official app if that option is available.
- Call Bank of America immediately.
- Ask whether the card should be canceled and replaced.
- Review pending and completed transactions.
- Dispute unauthorized charges promptly.
- Watch for small test charges followed by larger transactions.
Locking a card may not replace the need to report it compromised. Follow the bank’s instructions for cancellation and replacement.
What If You Sent Money Through Zelle?
Contact Bank of America immediately if a scammer persuaded you to send a Zelle payment.
Tell the bank:
- The payment was connected to a Bank of America impersonation scam.
- The recipient’s name, telephone number, or email address.
- The amount and time of the payment.
- What the scammer claimed.
- Whether you disclosed login information or security codes.
Ask whether the payment can be stopped, recalled, investigated, or reported to the receiving institution. Recovery is not guaranteed, but reporting immediately may improve the available options.
Save screenshots, texts, call logs, transaction details, and confirmation numbers.
What If You Sent a Wire Transfer?
Call Bank of America’s verified wire-transfer fraud channel or the number on your statement immediately.
Ask whether the wire is still pending and whether a recall or fraud alert can be submitted. Wire transfers can move quickly, so do not wait for the scammer to contact you again.
Also report the incident to the FBI Internet Crime Complaint Center if the transfer involved online impersonation or phishing.
What If You Installed Remote-Access Software?
A fake fraud representative may ask you to install software that allows them to see or control your device.
If that happened:
- Disconnect the device from the internet.
- Stop communicating with the scammer.
- Contact Bank of America from another trusted device or telephone.
- Remove the remote-access application.
- Run a thorough security scan.
- Change banking and email passwords from a trusted device.
- Review all financial and online accounts.
- Consider professional device assistance if you are unsure the software was completely removed.
Do not continue banking on a device that may still be under another person’s control.
What If You Shared Your Social Security Number?
If the fake Bank of America page or representative collected your Social Security number, date of birth, driver’s license, or other identity information, take identity-theft precautions.
- Create a recovery plan through IdentityTheft.gov.
- Review your credit reports.
- Consider placing a fraud alert or credit freeze.
- Watch for new accounts, loans, or credit inquiries.
- Secure your email, telephone, and financial accounts.
- Save documentation showing what information was disclosed.
What If You Do Not Have a Bank of America Account?
A Bank of America text received by someone without an account is almost certainly mass phishing or a wrong-number message.
Do not reply to tell the sender that they have the wrong person. Report the message to 7726, block the sender, and delete it.
The scammer may be sending the same message to thousands of random telephone numbers and waiting for actual Bank of America customers to respond.
How to Contact Bank of America Safely
The safest contact method is the number printed on your Bank of America card or statement.
Bank of America’s official fraud-reporting information currently lists:
- General account and online-banking concerns: 800-432-1000
- ATM, debit, check, and Zelle concerns: 877-366-1121
- Consumer credit-card concerns: 800-732-9194
- Wire-transfer fraud: 877-337-8357
Telephone numbers and procedures can change. Confirm the number through your card, statement, official mobile app, or BankofAmerica.com before calling.
How to Report a Bank of America Scam Text
- Forward the suspicious text to abuse@bofa.com.
- Forward the text to 7726, which spells SPAM.
- Use your phone’s Report Junk or Report Spam option.
- Report financial loss or phishing to the FTC.
- Report internet-enabled financial crime to the FBI IC3.
- Use IdentityTheft.gov if identity information was compromised.
When reporting the scam, preserve:
- The complete text message.
- The sender’s telephone number or display name.
- The website address.
- Call logs and voicemails.
- Transaction confirmations.
- Names, email addresses, or payment details used by the scammer.
Official Consumer Resources
- Bank of America Report Suspicious Activity – Official fraud-reporting instructions and verified contact routes.
- Bank of America Security Center – Current scam warnings and account-security guidance.
- Bank of America Scam Prevention – Common scam tactics and warning signs.
- FTC Spam Text Guidance – How to recognize and report phishing messages.
- ReportFraud.ftc.gov – Report scams and fraudulent impersonation attempts.
- FBI Internet Crime Complaint Center – Report cyber-enabled financial fraud.
- IdentityTheft.gov – Create a recovery plan if personal information was stolen.
Related Scam Warnings
Consumers researching Bank of America text scams may also want to review these related financial, verification-code, and phishing-message warnings:
- Apple Pay Alert Text Scam
- Robinhood Scam Email and Withdrawal Code Scam Text
- Visa Click to Pay Scam Warning
- Unifin Text Scam Warning
- FedEx Scam Text Warning
- USPS Scam Text PDF Warning
- Traffic Citation Text Scam Warning
Frequently Asked Questions
Is a Bank of America fraud alert text real?
It may be real if you enrolled in alerts and the notification matches actual activity. However, do not use an unexpected message’s link or callback number. Verify it through the official app or the number on your card.
Will Bank of America text me a verification code?
Bank of America may send a one-time code during an online-banking action. The code is for you to enter into the official app or website. The bank will not unexpectedly contact you and ask you to share the code.
Will Bank of America ask for my password by text?
No. An unsolicited text asking for your password, account number, PIN, Social Security number, or authorization code should be treated as a scam.
Will Bank of America ask me to transfer money to protect it?
No. Bank of America says it will not ask you to transfer money to anyone, including yourself, because fraud was detected.
Can a fake Bank of America text appear to come from the bank?
Scammers can imitate bank sender information and communications. The sender name, telephone number, logo, or professional wording does not establish that the message is genuine.
What is the Bank of America scam-reporting email?
Bank of America’s official suspicious-activity page currently directs customers to forward suspicious texts or emails using its name to abuse@bofa.com.
Should I reply STOP to a Bank of America scam text?
Do not reply to an obvious phishing message. Use your phone’s spam-reporting option and forward it to 7726 instead.
What does forwarding a text to 7726 do?
Forwarding a suspicious message to 7726, which spells SPAM, reports it to your wireless carrier and may help the carrier investigate and block similar messages.
What if the text knows my name or last four digits?
Limited personal or account information does not prove the sender is Bank of America. Such information may come from previous data breaches, compromised accounts, stolen records, or other sources.
What if the caller ID says Bank of America?
Hang up and call the number on your card. Caller ID information can be manipulated and should not be used as the only verification method.
Bottom Line: Bank of America Text Scam or Real Alert?
Bank of America is a legitimate bank and does send genuine account alerts. However, an unexpected message asking you to click a link, disclose information, provide a security code, install software, or transfer money is likely a scam.
The safest response is to avoid interacting with the message and independently open the official Bank of America app or call the number printed on your card.
If you already provided information or sent money, contact Bank of America immediately. Fast reporting may help secure the account, stop pending transactions, preserve evidence, and improve the chance of recovering funds.
Have You Received a Bank of America Scam Text?
Share your experience below to help other readers identify current versions of the scam.
- What did the text claim happened?
- Did it mention a purchase, account lock, Zelle transfer, or new device?
- Did the message include a link or callback number?
- Were you asked for an authorization code?
- Did a supposed fraud representative call afterward?
- Were you told to transfer money to protect your account?
- Did Bank of America help secure the account or stop a transaction?
Please do not post your full telephone number, account number, card number, user ID, password, PIN, Social Security number, authorization code, transaction confirmation, email address, or other sensitive information in the comments.
Disclaimer
ThinkItsAScam.com is an independent consumer information website and is not affiliated with Bank of America, Zelle, Early Warning Services, mobile carriers, or government agencies. Bank of America is a legitimate financial institution. This article discusses phishing texts, fake fraud alerts, impersonation calls, verification-code theft, and other scams that may misuse the Bank of America name. It does not accuse Bank of America, its legitimate employees, customers, or authorized service providers of operating the scams described. Contact information and procedures can change, so verify current instructions through BankofAmerica.com, the official mobile app, your card, or your bank statement. This article is for general educational purposes and is not legal or financial advice.
