Text message scam targets your bank information

Bogus text messages seek your bank information (WHAM photo)

Another warning for smartphone users. Text message scams are now targeting your bank account.

The text message reads "Chase-UrgentMessage.PleaseRing" with a local 585 number.

"Chase Bank service center. A text message was sent to inform that your debit card has been limited due to a security error. To reactivate please press 1 now," an automated voice says.

After pressing one they ask for something you should never give out.

"Please enter your 16 digit card number," says the automated voice.

"There's definite red flags to these messages," said Melanie McGovern with the Better Business Bureau of Upstate New York.

McGovern says look out for things like spelling errors, grammatical mistakes and if the bank name is correct. McGovern herself got one of these bogus text message alerts claiming to be from Keybank.

"Thank you for calling our 24 hour security department. To reactive your card please press 1," said the automated recording. After that it asked for the 16 digit debit card number.

McGovern says they prey on people who may not question the text's authenticity.

"You're out, you look at your phone and you see your debit card is locked. What if you're at the grocery store or you're using your card at that moment," said McGovern.

McGovern says the people behind this phishing scam cast a wide net with a long list of numbers and hope someone will bite.

"People will fall for it because it's their bank, it's their bank account, it's their livelihood," she said. "It's definitely a scam that people will look at and say oh my god what do I do and then and have that moment of brain freeze and start dialing numbers not thinking, wait a second let's take a step back and make sure this is real."

If you're not sure, go to a bank branch or a call a number you know is associated with the bank. Bottom line -- be cautious.

"Every time we think a scam has gone away, it comes back in another form," said McGovern.

13WHAM reached out to Chase Bank for comment and have not heard back yet. A representative for KeyBank says they work every day to detect and prevent fraud and you can call the number on the back of your card if you ever have any concerns.

You can also looks for scams in your area using the Better Business Bureau scam tracker.

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