Legitimate financial institutions and banking organizations maintain strict security protocols to protect customer accounts against fraud and identity theft. Consequently, a bank will never ask a customer to disclose sensitive personal authentication details over the phone, text, or email, such as your complete online banking password, full personal PIN numbers, one-time passcode verification tokens, or full Social Security numbers out of the blue. Security personnel will also never instruct customers to transfer money to an external crypto wallet or private account for safe-keeping.