Banks Never Ask That

Watch Out For Scams

Every day, hundreds of people fall victim to fraudulent emails, texts, and phone calls from scammers posing as their bank. The issue is only becoming worse, as more people are using internet banking and the busy holiday shopping season is approaching. According to the Federal Trade Commission’s study on fraud, phishing scams and other types of fraud cost American customers a whopping $5.8 billion in 2021, and the pandemic’s persistence has only heightened the threat. Imagine the situation in 2022.


It’s time to change this.


When you know what to look for, online scams aren’t as intimidating as they seem. And at R Bank, we’re committed to assisting you in spotting them as an additional measure of account security. In an effort to combat phishing on a national scale, we have teamed up with the American Bankers Association and banks from all around the nation, to fight one fraud at a time.


We want each and every bank customer to become an expert at recognizing phishing scams so they can disrupt bank impostors before they can even start.  It starts with these four words: Banks Never Ask That. Because you’ll be less likely to be deceived when you realize what sounds fishy.

Watch Out!

Americans lost $5.8 billion to phishing and other fraud in 2021, a 70% increase from 2020.

33% of Americans have been a victim of phishing and other scams in 2021.

The FTC received fraud reports from more than 2.8 million consumers last year, with the most commonly reported category once again being imposter scams, followed by online shopping scams.

Of the losses reported by consumers, more than $2.3 billion of losses reported last year were due to imposter scams—up from $1.2 billion in 2020, while online shopping accounted for about $392 million in reported losses from consumers—up from $246 million in 2020.

Federal Trade Commission

Common Scams

Text Message: If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks never ask that.

Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from you bank, but it’s a scam. Banks never ask that.

Phone Call: Would your bank ever call you to verify your account number. No! Banks never ask that. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.

Banks Never Ask That

What is Phishing?

Phishing is a type of online scam where criminals make fraudulent emails, phone calls and texts that appear to come from a legitimate bank. Every year, people lose hundreds, even thousands, of dollars to these scams. The communication is designed to trick you into entering confidential information (like account numbers, passwords, PINs or birthdays) into a fake website by clicking on a link, or to tell it to someone imitating your bank on the phone.

Banks Never Ask That

What to do if you receive a scam email, call or text.

If you suspect that an email or text you receive is a phishing attempt:

Take a deep breath. In most cases, it’s perfectly safe to open a scam email or text. Modern mail apps, like Gmail, detect and block any code or malware from running when you open an email. The key is not to click links or download any attachments.

Do not download any attachments in the message. Attachments may contain malware such as viruses, worms or spyware.

Do not click links that appear in the message. Links in phishing messages direct you to fraudulent websites.

Do not reply to the sender. Ignore any requests from the sender and do not call any phone numbers provided in the message.

Report it. Help fight scammers by reporting them. Forward suspected phishing emails to the Anti-Phishing Working Group at If you got a phishing text message, forward it to SPAM (7726). Then, report the phishing attack to the FTC at

Banks Never Ask That