Member Notice: Beware of Smishing


Protecting our members from fraud is a high priority for us. In an effort to raise awareness and protect our members from identity theft, we want to alert you about the latest scam called Smishing. Here’s what you should know.

What is Smishing?

“Smishing” (SMS phishing) is a text messaging scam that continues to become more prevalent. Smishing is similar to email “phishing” scams and as a result, identity theft.

A smishing attack uses a text message to deceive an unsuspecting individual into providing valuable information, such as an account number, card number, CVV number, card expiration date, password/pin, Social Security number and other personally identifiable information. Once obtained, scammers use the information to generate, among other things, counterfeit ATM cards. Attackers may then generate a fictitious card and begin conducting fraudulent cash withdrawals, sometimes in as little as an hour.

How it Works

A smishing attack uses a text message to deceive an unsuspecting individual into providing valuable information, such as an account number, card number, CVV number, card expiration date, password/pin, Social Security number and other personally identifiable information. Once obtained, scammers use the information to generate, among other things, counterfeit ATM cards. Attackers may then generate a fictitious card and begin conducting fraudulent cash withdrawals, sometimes in as little as an hour.

If you suspect you have been a victim of smishing, please notify our Retail Service Center at 210-229-1128 or your nearest Branch Location.

Five (5) Tips to Protect Yourself from Identity Theft

  1. Use strong passwords
  2. Do not give out personal information (a financial institution already has your information)
  3. Limit oversharing on social networks
  4. Store important financial records safely
  5. Shred old statements, unused personal checks, invoices and financial information

This Smishing Alert was shared by the Texas Credit Union Department.