Text-message scams are the most common fraud our members report. They work because they look urgent and they look like us. Here's what Copper actually sends, what we never ask for, and what to do if a text doesn't feel right.
What we will never ask for
- Your PIN, password or online banking username.
- A one-time code that we texted you. Those are for you to type in, never to read out to anyone.
- Your full card number, or to "verify" your account through a link.
- For you to move money to a "safe account." There's no such thing.
What we do send
We text one-time codes when you sign in or make a change. We send alerts you've turned on, such as deposits and large purchases. And if we spot something unusual on your card, we'll send a fraud alert that asks you to reply YES or NO. A real fraud alert never includes a link and never asks for a code.
Red flags
- Urgency, like "Your account will be closed today."
- A link to a site that isn't coppercu.org.
- A number you don't recognize claiming to be "the fraud department."
- Someone who calls right after a text and asks you to read back a code.
If a message asks you to hurry, slow down. Real banks can wait while you check.
If something seems off
Don't reply and don't tap the link. Call the number on the back of your card, (415) 555-0142, and we'll tell you whether the message came from us. If you think your card is compromised, lock it in the app first.
Copper tip: Forward scam texts to 7726 (it spells SPAM). Your carrier uses those reports to block the sender.
Think you've been targeted?
Call us any time, or lock your card in the app while you sort it out.