Finance

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.

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Common Bank of America Scam Types

Fraud alert text messages

Account verification phishing emails

Wire transfer authorization scams

Fake customer service calls

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.

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.

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5 Signs Of A Phishing Email Fake Bank Text Message Scam