Phishing Scam Tips

Every day, people lose their hard-earned money to online phishing scams. Protect yourself by learning how to recognize suspicious texts, emails, and phone calls — and knowing what Agility Bank would never ask you to share.

Email Scams

Did you know 96% of phishing attacks happen through email? Scammers often make their messages look and sound like they’re coming straight from your bank.
 

Avoid clicking suspicious links

If an email urges you to click a link — to verify your login, make a payment, or provide account details — it’s almost certainly a scam. We will never ask you to do that. Avoid clicking links in emails. Instead, hover over the link to see the true web address. When in doubt, contact us directly or type the Agility Bank official website URL into your browser.

  Raise the red flag on scare tactics

We will never use threats, scare tactics, or urgent language to pressure you into acting quickly — but scammers will. Any demand for immediate action is a red flag. No matter how legitimate an email looks, never share personal details like your password, PIN, or Social Security number.

Be skeptical of every email

Just like defensive driving helps prevent accidents, approaching every incoming email with caution can protect you from scams. Fraudulent emails often look convincing — using official language, logos, and even similar web addresses. Stay alert and think before you click.

  Watch for attachments and typos

We will never send unexpected email attachments, such as PDFs. Watch out for misspellings and poor grammar — they’re common signs of a phishing scam.
 
What to do if you fall for a phone scam
  1. If you’ve given out your username or password, update your password right away to protect your account.
  2. Contact your bank.
  3. If you lost money in a scam, contact your local police and file a report as soon as possible.
  4. Let the Federal Trade Commission know about the scam by visiting ReportFraud.ftc.gov or calling 1-877-FTC-HELP (382-4357.

Phone Call Scams

Scammers may call pretending to be your bank. Some act nice and helpful; others try to scare you. They might ask for personal info or money but remember — Agility Bank will never do that.
 

Watch out for a false sense of urgency

Scammers try to get you to act before you think, usually by using threats. We won’t do that. They might say, “Act now or your account will be closed,” or “We’ve noticed suspicious activity.” Stay calm and don’t give in.

Never give sensitive information

Never share sensitive information — such as your bank password, PIN, or one-time login code — with anyone who calls unexpectedly, even if they claim to be from Agility Bank. We may ask you to verify information when you call us, but we will never ask you to provide it unsolicited.

Don't rely on caller ID

Scammers can disguise their number or name on your caller ID. Even if it looks like your Agility Bank is calling, it could be anyone. Always exercise caution with incoming calls.

Hang up-even if it sounds legit

Whether it’s a scammer pretending to be your Agility Bank or a legitimate call, stay safe by ending unexpected calls and contacting us directly using the number on the back of your card.
 
What to do if you fall for a phone scam
  1. If you accidentally gave a scammer personal details like your Social Security number or bank account info, don’t panic. Go to IdentityTheft.gov for clear steps on what to do next and how to keep an eye on your credit.
  2. If you’ve given out your username or password, update your password right away to protect your account.
  3. Contact your bank.
  4. If you lost money in a scam, contact your local police and file a report as soon as possible.
  5. Let the Federal Trade Commission know about the scam by visiting ReportFraud.ftc.gov or calling 1-877-FTC-HELP (382-4357.

Text Message Scams

Scammers send fake text messages to try to steal personal info like your password, PIN, or Social Security number. If you don’t reply and just delete the message, your information stays safe. The key is knowing how to spot a scam before you click or respond.
 

Slow down, think before you act

Responding too quickly to a phishing text can lead to accidentally giving scammers access to your bank account — and your money. Scammers use confusion and urgency to pressure you, which is always a red flag. We will never threaten you or use high-pressure tactics to make you respond.

Don't click links

Never click on links in text messages — especially those asking you to sign in to your bank account. Scammers use these links to steal usernames and passwords. When in doubt, go directly to the Agility Bank's website by typing the URL into your browser or use the Agility Bank mobile app to log in securely.

Never send personal information

We won’t text you asking for your PIN, password, or a one-time code. If you get a message like that, it’s a scam — delete it right away.

Delete the message

Avoid replying to or keeping a fraudulent text message on your phone. If you need to report it, take a screenshot to share — then delete the message.
 
What to do if you fall for a phishing text message
  1. If you’ve given out your username or password, update your password right away to protect your account.
  2. Contact your bank.
  3. If you lost money in a scam, contact your local police and file a report as soon as possible.
  4. Let the Federal Trade Commission know about the scam by visiting ReportFraud.ftc.gov or calling 1-877-FTC-HELP (382-4357

Mobile Payment App Scams

As apps like Cash App, PayPal, Venmo, and Zelle® become more popular, scammers are taking advantage. It only takes a few seconds for them to get access to your hard-earned money.
 

Be wary of texts or calls about payment apps

Payment app scams often begin with an unexpected phone call or text message. If you receive a call you weren’t expecting, hang up. If you get a suspicious text, delete it. Even if the message appears legitimate, always verify by contacting us or the payment app’s customer service directly.

Use payment apps to pay friends and family only

Never send money to someone you don’t know or haven’t met in person. Using payment apps is just like handing over cash — once it’s sent, it’s gone.

Raise the alarm on urgent payment requests

Scammers often try to create a sense of urgency to make you act without thinking. They may claim your account is at risk of being closed or threaten legal action. These high-pressure tactics are clear signs of a scam — we would never use them.

Avoid unusual payment methods

We won’t ask you to pay bills with a payment app or send money to yourself. Scammers can fake phone numbers and email addresses to make it look like your Agility Bank is reaching out. When in doubt, call your us using the number on the back of your card.
 
What to do if you get scammed on a payment app
  1. Contact the payment app’s customer support and request that the transaction be reversed.
  2. If the app is linked to your credit or debit card, report the fraud to your card issuer or bank and request that the charge be reversed.
  3. If you lost money in a scam, contact your local police and file a report as soon as possible.
  4. Let the Federal Trade Commission know about the scam by visiting ReportFraud.ftc.gov or calling 1-877-FTC-HELP (382-4357

Staying alert and informed is the best way to protect yourself from scams. Remember — Agility Bank is here to help. When in doubt, pause, think, and contact us directly.