These Are the Questions Your Bank Will Never Ask You.

Kariuki Maina
By Kariuki Maina 6 Min Read

(If “They” Do, a scammer is in control—not your bank.)

Scammers target, email, and contact individuals at random—or not so randomly—while posing as bank representatives every day. They try to acquire answers to questions your bank would never ask in order to steal your identity or your money.

Knowing their tricks is the best defense against them. Create the following rule for everyone you care about as a start:

NEVER speak with anybody who contacts you unexpectedly and claims to be from your bank.

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Although it may seem harsh, your bank won’t object if you heed this advise. In actuality, your bank would concur with this suggestion!

If you adhere to the aforementioned criteria, you’ll probably avoid falling victim to the impostor scam in the future.

You might be wondering what types of queries your bank would never pose. That’s fantastic information to have since it will contribute to your awareness and assist you avoid falling for a scam and losing money.

Questions your bank will never ask.

The major takeaway could be that anybody posing as your bank and asking you questions like these is most likely a fraudster. What they could query is this.

“Please provide your account number.”

“What is the account password that you use?”

“For security reasons, ‘Please tell me your Social Security number.'”

“What year was the account holder born?”

“On the back of your debit card, there is a three-digit security code that you must enter. Tell us the three digits.”

Scammers will ask you these questions in an effort to steal your money or your identity. Of course, they have to engage you in conversation first before they start asking questions.

“But they were so polite and caring!”

Every day, scammers successfully con tens of thousands of individuals. Why? Because they are skilled at using lies and deception to manipulate others.

An email or phone contact from a bank impostor will seem urgent and authentic. They use every effort to persuade you that your account is in jeopardy, and they stand ready to assist.

They utilize the following actual-world phone and email examples:

  1. “Someone is attempting to take money from your account at an ATM, which is why I’m phoning. I can assist you with changing your PIN so you can protect your account.
  2. “Without requiring an application, I may boost your credit limit immediately. Just confirm your account number, please.
  3. For immediate credit approval, kindly click the link and complete the form.
  4. Please contact our fraud department right away at this number to resolve this issue.
  5. To safeguard your account, please download the attached, fill it out, and email it to us as soon as possible.

Scammers don’t want you to know this. But your bank does.

In order to raise awareness of the critical issue of bank impersonators, the American Bankers Association (ABA) launched a campaign in 2002 that was simultaneously directed at financial institutions and customers. They wanted to…

  • Inform us that fraudsters would pose as our bank and call us to obtain our personal information.
  • Encourage banks to advise their own clients of this information.
    Inform you of the inquiries that your bank will never make.

Sometimes you need to talk to your bank.

There may come a point when you need to speak with your bank regarding a problem or issue related to your banking. Even more precise inquiries may be made on a current transaction or an account.

But ideally, you would have picked up the phone, started the discussion, and called the bank. To guarantee that you are in charge of the conversation, it is ALWAYS preferable if you start a conversation with a financial institution. (The only logical exception to that would be if you anticipated receiving a call from someone at a certain time and day.)

Don’t worry about hurting someone’s feelings!

Scams are a major, persistent, and expanding problem. We all need to be more conscious of this, and banks are aware of it. Banks advise that you keep a close eye out for any bogus messages:

Customers of one bank can see the following statement on its website:

“Watch out for strange behavior. Do not provide private information if you get an inbound call from someone posing as our bank. Call the number on the back of your card as soon as you can after you hang up.

It is more crucial to safeguard your finances and identity than to save the con artist’s feelings.

Here’s something you need to do right away for you, and if you have elderly parents or young adults in your life, do it for them as well.

  • Note down the direct phone numbers for both your credit card companies and your bank (if you have any bank accounts).
  • At least be aware of where to seek for them online if you don’t write them down.



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By Kariuki Maina Kariuki Maina
In a world full of worriers, be the warrior.
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