The “your account is locked” alert
An account alert can be real or fake. This made-up email uses a threat and a link to push you toward a fake login. Learn how to check through your bank directly.
Step 1 See what it looks like
Security Alert: We noticed unusual activity on your account. For your safety, your account has been LOCKED. You must verify your identity within 24 hours or it will be closed permanently. Click here to verify: bank-verify.example/login. Dear Customer, please act now.
This is a made-up example to teach you. We will never show you a real person’s message.
Step 2 Find the red flags
- 1
“LOCKED”
Check the claimed issue in your usual bank app or through its real number.
- 2
“within 24 hours”
Real notices can have dates too. Check the issue yourself.
- 3
“bank-verify.example/login”
This is a made-up address. Use your known bank site for a real alert.
- 4
“Dear Customer”
A general greeting is a clue, not proof. A scammer may know your name too.
Step 3 See why it works
Fear of losing money makes the link seem urgent. A fake page may look like your bank. Check through the app or number you know.
- Leave the email link unopened.
- Open your bank app. Or call the number on your card.
- Ask if there is a real account issue.
- Do not send passwords or login codes in an email reply.
- If you used a suspect page, call the real bank now. Ask how to secure the account.
Check through your usual app or a known number. The email does not prove who sent it.