How to tell if a bank is legitimate?

Written by Editorial Team | Last Updated: August 2026

Distinguishing a genuine security alert or notification from your bank versus a fraudulent phishing text message or email involves examining sender details, embedded links, and urgency tactics. Real bank messages never include direct clickable hyperlinks asking you to log into your account, nor do they threaten immediate account closure or demand urgent verification of your password, PIN, or one-time verification codes. Phishing messages often originate from generic email addresses or random mobile numbers, utilizing alarming language to panic victims into clicking malicious links. To verify any bank message, ignore the communication entirely, open your official banking mobile app, or call the customer service phone number printed on the back of your debit card.

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