U.S. Bank sends fraud alerts via text message to help you quickly identify and respond to suspicious activity on your account. Being able to recognize a legitimate alert from a scam is crucial.
If you received a fraud alert text from U.S. Bank, here’s how to respond safely and correctly, and how to identify if it’s legitimate or a scam.
✅ What a Real U.S. Bank Fraud Alert Looks Like
A legitimate U.S. Bank fraud alert will typically:
Come from a short code, like 872265 (known to be used by U.S. Bank)
Mention a specific transaction (merchant, amount, location)
Ask you to reply YES or NO to confirm if the transaction was yours
Never ask for:
Account numbers
Login credentials
Social Security Number (SSN)
Clicking links
Example of a real alert:
U.S. Bank Fraud Dept: Did you attempt a charge of $105.73 at WALMART in CO on 9/8? Reply YES or NO.
If no response, we may place a hold on your card.
✅ How to Respond
| If You Recognize the Charge | If You Don’t Recognize It |
|---|---|
| Reply YES to confirm. | Reply NO to flag it as fraud. |
| U.S. Bank will stop further alerts for that transaction. | U.S. Bank will likely freeze the card and contact you. |
After replying:
You may receive a confirmation message.
If fraud is confirmed, U.S. Bank may:
Block your card
Issue a new one
Call or text you with next steps
Also Read : Food Stamp Fraud Reporting | How to Report
⚠️ Beware of Scam Fraud Alerts
Scammers sometimes spoof legitimate texts. Watch for:
| Red Flags | Safe Practice |
|---|---|
| Requests for passwords or PINs | U.S. Bank will never ask for these via text |
| Clickable links in the message | Don’t click! Go to www.usbank.com or use the mobile app |
| Messages from unknown phone numbers or emails | Fraud alerts will come from short codes, not full phone numbers |
| Poor grammar or weird formatting | Legit messages are clean and professional |
🔐 What to Do if You’re Unsure
Do NOT click any links or call back a number from the text.
Log into your U.S. Bank account online or via the app to check for fraud alerts.
Call U.S. Bank directly using the number on the back of your card:
📞 1-800-872-2657 (U.S. Bank Customer Service)You can also forward suspicious texts to:
📱 7726 (SPAM) — helps report phishing.
🛡️ Final Tips
Set up fraud alerts in the U.S. Bank mobile app to control how you’re contacted.
Respond promptly — a delayed response might lead to temporary holds or account freezes.
If you suspect you replied to a fake alert, immediately call U.S. Bank to report potential account compromise.
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