Is This Bank of America Email a Scam? How to Tell
Bank of America impersonation scams involve fake fraud alerts, account verification requests, and phishing texts claiming suspicious activity to trick customers into revealing their banking credentials.
Reviewed by the Cautellus team · Last updated May 30, 2026
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Scan Now — It's FreeCommon Bank of America Scam Types
Example Scam Messages
These are examples of fake messages impersonating Bank of America. Never click links in unsolicited messages.
“BofA Alert: Suspicious transaction of $432.89 detected. Reply YES to confirm or call 1-888-XXX-XXXX.”
“Bank of America: Your online banking access has been locked. Verify at bofa-secure-login.com”
Red Flags to Watch For
- Text messages asking you to reply with personal info
- Emails with links to non-bankofamerica.com sites
- Calls asking for your full account number or SSN
- Urgency about account closure or suspension
Real vs. Fake Bank of America — Side by Side
| Signal | Real Bank of America | Fake / Scam |
|---|---|---|
| Fraud-alert text | From BofMI or the shortcode Bank of America already uses with you; replies stay short (YES/NO). | From a full 10-digit number with a link or a callback number. |
| Login URL | bankofamerica.com only. | bofa-secure-login.com, bofa-verify.net, or any hyphenated variant. |
| What they ask for | Never asks for your full card number, SSN, or password by text, email, or cold call. | Requests SSN, full card number, PIN, or the one-time code from your texts. |
| Zelle / transfer | You initiate transfers inside the app or at bankofamerica.com. | Agent on a call pressures you to Zelle yourself "to protect your funds." |
Legitimate Bank of America Contact Info
Visit bankofamerica.com or call 1-800-432-1000. Bank of America will never ask for your full account number, SSN, or password via text or email.
Where to Report a Bank of America Scam
If you received or fell for a fake Bank of America message, report it to the authorities below. Reporting helps investigators track these campaigns.
- FTC — reportfraud.ftc.govReport fraud and scams to the U.S. Federal Trade Commission.
- FBI IC3 — ic3.govFile a complaint with the FBI's Internet Crime Complaint Center.
- Cautellus reporting guide →Step-by-step help on who to contact and how to recover.
Live Community Flags
Recently reported Bank of America scam variants from the Cautellus community. Flagged items include deepfake videos, cloned voicemail, and spoofed domains.
Community reporting for Bank of America is launching soon. Submissions will appear here with timestamps and scam-type tags.
Report a Bank of America scam you've received →Related Articles
Other Finance Scams
Think you've received a scam?
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