Is That Phone Call From Your Bank or a Scammer? Here's How to Tell.

August 14, 2026

Someone might call or text you, claiming to be from Security National Bank. Your caller ID might even display the Bank's customer service number. But here's what to know: If the person starts asking for personal or account information, it's a scam. No matter what.

While phone spoofing isn't new, scammers are using clever new twists to make their fake calls feel legitimate. Here’s what you need to know about these evolving tactics and how to protect your personal information.

What is phone number spoofing?

Phone spoofing happens when a scammer tricks your phone's caller ID into showing an official phone number, like your Bank. The fraudster will call or text, pretending to be a Bank employee, and try to trick you into giving out personal information.

To make things even trickier, the impostor might sound convincing and use the name of a person who really works at your Bank. They might know some partial information you thought was private, like your email address or the first 6-8 digits of your debit card (which are more common). They may even claim they're about to close your account, or shut off your card due to fraud, unless you give up more information. Don't fall for it.

The Latest Twist: "Warm-Up" Phishing Texts

Scammers know that people are increasingly wary of answering unexpected calls from unknown or spoofed numbers. To make you drop your guard, they now use a two-step setup:

How the Trap Works:

1. The Fake Transaction Text: You receive a text message claiming to be from SNB asking you to confirm a suspicious charge (e.g., $537.99 at BestBuy) by replying "Y" or "N".
2. The Bait Response: Worried about your account, you reply "NO".
3. The False Reassurance: You instantly receive a reply saying your verification is complete and that "a customer care representative may contact you shortly regarding actions towards your account."
4. The "Expected" Call: Minutes later, your phone rings. Because the text told you a representative would call, the incoming spoofed call feels legitimate rather than unsolicited.

Remember: Real fraud prevention automated text alerts will never follow up a "NO" response by scheduling a call from a representative to ask for your passwords, full card details, or one-time verification passcodes.

How to tell if a phone number is spoofed:

To catch call spoofing, it's most important to think about the information the caller is asking for. Remember these things:

1) Your Bank will not call and ask for personal info.

At Security National Bank, we will never call our customers unprompted and ask for personal information we already have. If you did not prompt the call, you should never share your:

2) Don't trust caller ID. 

Scammers can make it look like they're calling from anywhere, even Security National Bank.

3) When in doubt, don't answer.

If you receive a phone call after responding "NO" to a suspicious text message—or if a caller asks for sensitive details—hang up or leave it unanswered. Do not use the phone number provided in the text message or caller ID to call back

If you are suspicious, verify the call or text by contacting your Bank directly.

Have you spotted a scam?

If a phone scammer calls or texts you, your report can help stop them. Contact your Bank and share as much information as you can, including: 

• Date and time of the call/text.
• Person and department the scammer used
• What they wanted you to do, pay or share (including amounts)
• The exact number that showed up on your Caller ID.

If you fear that you've fallen for a scam, take these steps so you can act quickly.

At Security National Bank, we want to provide solutions that matter, when you need them most. Subscribe to our free newsletter to get the latest scam and fraud prevention tips delivered to your inbox each month.