Text scams are rising as criminals shift from phone calls to messages that appear to come from trusted sources like your bank, the court system, or even federal agencies. They use fear and urgency to push you into sharing personal information. Whether the message claims there’s fraud on your account, you missed jury duty, or a government agent needs to speak with you, the goal is always to steal your money.

How Text Scams Work:

Scammers often send alarming messages that appear to come from official sources. Some common tactics include: 

Bank or Account Alert Scams: These messages urge you to click a link or reply with personal information such as your account number, PIN, or password.

Examples of texts you may receive:

• "Fraudulent transaction detected."
• "Your account will be locked if you don't..." 
• "Immediate verification required."

Jury Duty or Law Enforcement Scams: They often demand payment through untraceable methods like gift cards, wire transfers, or cryptocurrency.

Some scammers pose as court officials or police officers, claiming:

• "You missed jury duty. Pay now to avoid arrest."
• "Failure to show up to jury duty requires a fine; pay here"

Fake Government Agent Scams: Scammers impersonate FTC agents or federal authorities, even sending fake badge numbers or ID photos to appear credible. They may claim your identity is at risk and pressure you to transfer money "for safekeeping."

• "Your identity has been compromised. An arrest warrant will be issued if you fail to respond..."
• "Your name appeared in a federal investigation involving identity theft. To secure your assets, please transfer your funds immediately. Reply YES to receive instructions."

Signs It's a Scam

Be alert if you notice any of these red flags:

• Urgent or threatening language designed to make you act fast
• Requests for personal or financial information via text
• Links that don’t match official websites
• Messages sent from a 10-digit phone number instead of an official five-digit short code
• Southern First will only send messages from our verified five-digit number.

What To Do If You Receive a Suspicious Text 

1. Do NOT click any links or reply.
2. Verify using a trusted source. Call the number on the back of your debit card or log in through our official mobile app or website.
3. Report the scam by forwarding the message to 7726 (SPAM) and call Southern First’s Fraud Department at 864-679-9646.
4. If you shared any information, immediately change your online and mobile banking password, monitor your accounts for suspicious activity, and report anything unusual.
5. Delete the message once reported to avoid accidental clicks later.

Your security is our priority. Our team proactively monitors your accounts to help detect unusual activity and protect you from potential fraud. We are committed to keeping you informed and educated on the best practices to safeguard your personal information. Banking with Southern First means having a partner you can trust every step of the way.

Southern First will never ask for your password, PIN, verification, or Social Security number via text message. If something feels off, trust your gut and contact us directly.