Check whether the text message is authentic. Fraudulent text messages pretending to be in the name of a bank will lower consumers’ vigilance. When consumers receive information signed by a bank, they should pay attention to distinguishing authenticity from falsehoods, especially not blindly trusting text messages sent by abnormal numbers. If consumers are not sure whether the text message is authentic, they can go to a bank branch or consult its official customer service.

Second, check whether the website links and pages are official channels. The web link provided by the scam text message may be a phishing link pretending to be a mobile banking or online banking web page, or it may be a virus Trojan and should not be clicked and operated easily. It is recommended that consumers log in to mobile banking or online banking through formal channels such as the bank’s official mobile APP or website, and try not to click on website links provided by third parties to avoid being deceived by criminals.

Thirdly, check whether the information requested by the other party is important and sensitive personal information. Consumers’ ID numbers, bank card numbers, account passwords, SMS verification codes, payment codes, etc. are all important and sensitive personal information. When a third party requests to provide or enter the above information, you need to be vigilant. Do not easily provide important and sensitive information to others, do not click on website links from unknown sources, and do not fill in important and sensitive information on web pages other than official channels of the bank. If you find that you have been deceived, please contact the bank immediately to freeze your bank account, save the evidence, and call the police in time.