Scammers constantly look for new ways to steal banking information. They use tricks to get people to share their account details, passwords, or other sensitive data. Once they have this information, they can drain accounts, make fraudulent purchases, or even open new accounts in someone else’s name.
Phishing scams and fake messages
Phishing remains one of the most common ways scammers steal banking information. This happens when they send emails, text messages, or phone calls pretending to be from a bank or even the IRS.
These messages often look authentic and may warn about suspicious activity, urging people to click a link or call a number. If someone follows the instructions, they may be asked to enter their banking details, which go straight to the scammer.
Some phishing scams use fake websites that look almost identical to a real bank’s site. A person may enter their username and password without realizing it’s a scam. Once the scammer has these details, they can access the real bank account.
Card skimming and ATM fraud
Scammers also use devices called skimmers to steal debit and credit card information. These small devices attach to card readers at ATMs, gas stations, or store checkout machines. When someone swipes a card, the skimmer records the card number and PIN. The scammer can then use this information to make unauthorized transactions or create fake cards. Some scammers also install small cameras near ATMs to capture PIN numbers as people enter them.
Phone scams and fake customer service calls
Scammers may pretend to be bank representatives and call people directly. They may claim that there’s a problem with an account and ask for personal information to “verify” the identity of the caller. Some even use caller ID spoofing to make it look like the call is coming from a real bank.
Banks do not ask for full account numbers, PINs, or passwords over the phone. If someone receives a suspicious call, they should hang up and contact their bank directly using the number on the official website.
Scammers constantly change their tactics, but the goal remains the same — to steal banking information. Maryland residents should be cautious when receiving unexpected messages, using ATMs, or answering calls about their finances. Awareness of these scams can prevent fraud or help a person gather the necessary evidence for fighting a bank fraud case.