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16 Sep Smishing 101: Text Scams You Need To Be Aware Of

Posted at 09:10h in Blogs, Security Tips by

Smishing:

What is it? What are common examples? What to do if it happens to you.

What is Smishing?

Smishing is phishing scams attempted over SMS messaging (texts). These messages can be framed as anything from an urgent message from your bank to an exciting text that says you’ve won a prize. Typically, smishing scammers will ask you to click on a link or respond to the message. By doing either of these, they are able to gain access to your mobile device. And if that wasn’t enough, the smishing message is usually followed up by a request for more information: usernames, passwords or even credit card information.

What are Common Smishing Examples?

Smishing takes place around the clock, but it can pick up during busy seasons like election years and around the holidays. Common smishing scams include:

  • Political figures asking for monetary donations to their campaigns.
  • Your phone provider asking for you to log in or share your password to receive an update.
  • Online shops requesting an updated payment method.
  • Your financial institution stating they need you to log in via the link to view a fraudulent charge.
  • Delivery services – UPS, Fed Ex, USPS – having trouble delivering a package to your address or needing more money to deliver to your home.

Is it a smish? Here are your next steps.

If you receive a message that you think could be a smishing message, do not interact with it. Do not click on any links. Do not respond back. If it is coming from a company you know – such as your bank, phone provider or an online shop you’ve purchased from recently – reach out to that company directly using a different mode of communication. They should be able to confirm if the message was legitimate or not. If you do not know the company the message is coming from, do not give any of your personal information. Proceed with caution. When in doubt, delete the message.

For more information on how to keep yourself cyber-safe, please visit https://unisonbank.com/security-tips.

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