--- title: "Bank of America scam texts: how to spot a fake | TapSafely" url: https://tapsafely.com/scams/bank-of-america-scam-texts source: TapSafely description: "Is that Bank of America message real? The warning signs, Bank of America's real websites, how to check safely and where to report a fake." --- [Home](https://tapsafely.com/)/[Scam guides](https://tapsafely.com/scams/)/[Brand scams](https://tapsafely.com/scams/brands)/ Bank of America # Bank of America scam texts: how to spot a fake Scammers copy Bank of America because millions of people use it. Here's how to tell a fake Bank of America message from a real one, and what to do if you already clicked. By the TapSafely editorial team · Updated 16 September 2026 ## In short Bank of America says it may ask you to confirm account activity, but it will never ask for your password or verification code, or ask you to send money to it or anyone else as part of that check. It also says it will never text you asking for account details. **Most common fake:** Fake fraud alert asking you to reply or tap a link about a charge. **Safest check:** Do not use any link or number from the message. Example · fake Bank of America message · Illustrative, links disabled BofA: Unusual sign-in detected on your account. Your online access is on hold. Confirm your details now to avoid suspension: bofa-secure-alert[.]com/verify An example fake Bank of America message with the warning signs highlighted. ## What Bank of America says Bank of America says it may ask you to confirm account activity, but it will never ask for your password or verification code, or ask you to send money to it or anyone else as part of that check. It also says it will never text you asking for account details. Source: [Bank of America](https://web.bankofamerica.com/en/security/report-suspicious-activity) ## Common fake Bank of America messages - Fake fraud alert asking you to reply or tap a link about a charge - Text saying your online banking has been suspended - Caller who says a bank employee is under investigation and your money must be moved - Request for your one-time verification code - Instructions to buy gift cards or crypto to protect your funds ## Bank of America's real web addresses Genuine Bank of America links and emails use these domains. Look at the part just before the first single slash: **bankofamerica.com** is real, but **bankofamerica-support-center.com** or **bankofamerica.com.account-check.top** are not. - **bankofamerica.com** - **bofa.com** Scammers can also hide a fake link behind real-looking text. [Learn how to read a web address](https://tapsafely.com/scams/phishing-links). ## How to check a Bank of America message safely 1. Do not use any link or number from the message 2. Open the Bank of America app or type bankofamerica.com yourself to check alerts 3. Call the number on the back of your card or on your statement 4. Never share a password or verification code, even with someone who says they are from the bank ## How to report a fake Bank of America message - Forward suspicious emails that use Bank of America's name to abuse@bofa.com. [Official details on web.bankofamerica.com](https://web.bankofamerica.com/en/security/report-suspicious-activity) - Forward suspicious texts to 7726 (SPAM) to alert your mobile carrier. [Official details on web.bankofamerica.com](https://web.bankofamerica.com/en/security/report-suspicious-activity) - Report the scam to the Federal Trade Commission at ReportFraud.ftc.gov. [Official details on reportfraud.ftc.gov](https://reportfraud.ftc.gov/) Also report it to the official fraud service in your country. [See the worldwide list](https://tapsafely.com/been-scammed#where-to-report). ## If you clicked, paid or shared details ### Act quickly. It makes a difference. 1. If you entered card or bank details, call your bank now using the number on your card, and ask them to block the card. 2. If you entered a password, change it on the real Bank of America website or app and turn on two-step verification. 3. Expect follow-up calls or messages pretending to help. Never share one-time codes or move money to a "safe account". 4. Report the scam, then delete the message. More help: [Phishing links and fake login pages](https://tapsafely.com/scams/phishing-links) and [what to do after a scam](https://tapsafely.com/been-scammed). ## Questions people ask Does Bank of America send messages asking for payment or personal details? Bank of America says it may ask you to confirm account activity, but it will never ask for your password or verification code, or ask you to send money to it or anyone else as part of that check. It also says it will never text you asking for account details. How can I check if a Bank of America message is real? Do not use any link or number from the message. Open the Bank of America app or type bankofamerica.com yourself to check alerts. Call the number on the back of your card or on your statement. Never share a password or verification code, even with someone who says they are from the bank. How do I report a fake Bank of America message? Forward suspicious emails that use Bank of America's name to abuse@bofa.com. Forward suspicious texts to 7726 (SPAM) to alert your mobile carrier. Report the scam to the Federal Trade Commission at ReportFraud.ftc.gov. I clicked a link in a fake Bank of America message. What should I do? Don't enter anything else. If you typed card or bank details, call your bank now using the number on your card. If you entered a password, change it on the real website and turn on two-step verification. Then report the message and delete it. ## Official sources and further reading We check our pages against official advice from the organisations themselves and from government agencies. - [Report Suspicious Activity](https://web.bankofamerica.com/en/security/report-suspicious-activity) (Bank of America) - [Learn About the Latest Scams](https://web.bankofamerica.com/en/security/library/review-scam-alert) (Bank of America) - [What is smishing and how to prevent it](https://business.bankofamerica.com/en/resources/what-is-smishing-how-to-prevent-it) (Bank of America) ### Got a message like this? Paste the message or link Check it free ### Still unsure? Describe what happened and our AI assistant will help, in any language. Ask TapSafely ### Seen this scam? Your report helps warn people in your area. [Report it](https://tapsafely.com/report) ### Free check tools - [Link checker](https://tapsafely.com/link-checker) - [QR code checker](https://tapsafely.com/qr-code-checker) - [Screenshot checker](https://tapsafely.com/screenshot-scam-checker) - [Scam glossary](https://tapsafely.com/scam-glossary) ## Related [Guide ### Phishing links and fake login pages Learn the one skill that stops most scams: reading who really owns a link. 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