Skip to main content

Fraud education


Scammers target everyone, including you.

Use this page to learn how to keep your financial information safe and to better acquaint yourself with the tools at your disposal when banking with Simmons.



Text Scams

We have received reports of suspicious text messages and emails impersonating Simmons Bank. These messages may include requests for information such as account number, debit card number, online and mobile banking passcode and Social Security Number. This is a series of text scams being used to gain access to private information. Do not click any links, do not call the phone number provided in the message, do not reply to any text messages and do not provide any of your personal information.

Here are a few examples of recent text scam attempts.

Simmons Bank will only ask you to repeat a one-time passcode when the message clearly states to provide the code to the support representative. If the message does not instruct you to provide the code, do not provide any information.

If you have already provided your personal information in response to this scam, please contact Simmons Bank Customer Care at 1-866-246-2400.

General fraud education


Scammers have been busy. In 2021, the Federal Trade Commission received 2.8 million reports of fraud against consumers. Often, scammers use elaborate stories to play on our emotions or create a sense of urgency. But when you know the red flags to watch for, you can avoid falling for costly scams like these:

(Click the "+" sign to expand each topic)

You get a text, email or phone call claiming to be from your “bank.” Supposedly, there’s an “issue” with your account. To resolve it, you’re told to send a person-to-person payment with Zelle® or share online login, debit card, and/ or account details. Don’t.

Your bank will never make an unsolicited request for sensitive info or tell you to transfer money.

Fraudsters look for quick and easy methods to create panic. As a result, text messages continue to rise in popularity amongst scammers. Here are a few tips to help you recognize deceitful text messages:

  • Avoid clicking on links within a text message. Simmons Bank will never provide a link to request sensitive information.
  • Text message scams will often feature poor punctuation and grammatical practices.
  • Don't provide sensitive information via text messages. Your bank will never utilize a text message to request specific details regarding your account's security.
  • Scammers will utilize well-recognized brands or personal information to grab your attention. For example, a text message making a false claim that you recently withdrew cash or attempted to reset account information, and you did not carry out these actions, is probably a scam.

See examples

A fictitious “breeder” posts pictures of an adorable litter of puppies. You’re excited to adopt one and pay in advance, but the seller scampers off with your money.

Don’t trust a contact who won’t talk to you over the phone or wants to be paid in gift cards or another unusual payment type.

An online love interest builds your trust, then asks you to send money for an “emergency.” or provides you with investment advice (such as investing in crypto).

Social media profiles can be faked. If you haven’t communicated face-to-face, use caution.

Someone on social media promises easy money – if you send them a little cash first. After you pay, they block you.

If it sounds too good to be true, it probably is.

As theft of mailed checks increases nationwide, here are tips to keep your mailed payments secure:

  • Criminals are targeting mail collection boxes for check theft, so reduce your risk by walking into your post office and handing your mail to the person across the counter.
  • You can also minimize mail fraud risk by using your post office’s indoor collection slot.
  • If you need to use an outdoor mail collection box, drop off your payment right before the collection time.
  • Avoid using blue collection boxes on holidays and weekends to limit your mail’s exposure to potential theft.

Crypto investment scams promise huge returns with “zero risk,” and often start with an ad, post, or message on a social media platform. Once hooked, you are convinced to send money to purchase crypto, but those crypto “investments” go straight to a scammer’s wallet. Here are a few suggestions to help you avoid a crypto scam.

  • Don’t trust a source without speaking face-to-face or via phone call.
  • Hesitate to trust a single ad, post, or message. Further research the party before investing.
  • Be careful sharing investment information or ideas via the internet. A new relationship or romantic interest forged on the internet can be a scammer looking to capitalize on your money.

Scammers may call your personal phone or send a text message with a caller ID that represents your bank. Rather than a personal conversation, you are linked to a representative who asks questions about your recent purchases. You may believe you’re speaking with your bank’s fraud department. However, this is a scammer looking to access your mobile banking account to transfer money.

Similarly, a text message proclaims that your account is compromised, and you must urgently send your account information by following a link. Additional details of the situation lead you to believe the situation is urgent and real. This is a scammer searching for an easy track to your personal information.

Here are some tips to avoid these common scenarios.

  • Don’t fall victim to an urgent tone when handling your banking information. Your bank will never request information such as usernames, passwords, or ID numbers.
  • Communicate with your bank when a request for your information arises. An urgent request is a scammer, and a quick phone call to your bank can help clarify the situation.

You decide to sell an item via Facebook. You find a buyer and receive a check for the item. However, the buyer overpaid and now asks you to return the difference. The buyer’s initial check was likely fake. You receive a worthless check after you return the excess funds to the buyer.

Alternatively, you might decide to buy an item and send the seller the desired price. Having transferred the funds, you never receive the item, or it is damaged upon arrival. Fraudsters will utilize Zelle® to capitalize on this scheme as well.

  • When engaged in an online transaction such as Facebook, ensure you complete a conversation with the person before sending money or offering account information.
  • Be suspicious of any overpayments and requests for returned funds. This is considered an overpayment scam.

Scammers impersonate well-known computer security companies. Victims receive mail, telephone, text, or email notifying them that a subscription to a computer security service has been renewed and their account has been charged a fee. Victims call a “customer assistance line” to obtain a refund of the fee, and after providing scammers remote access to their computers, are tricked into believing a large overpayment was made to the victim. Victims are directed to correct this “overpayment” by immediately making wire transfers to overseas accounts, purchasing large amounts of prepaid cards, or by entering cash into cryptocurrency ATMs.

Online & Mobile Banking | Fraud prevention


With Simmons Bank, not only is your safety our top priority, but we provide you with the tools to take control of your money. Whether you're sending secure payments with Zelle®, or setting a lock on a misplaced debit or credit card, Simmons Online & Mobile Banking allows you to take fraud prevention into your own hands.

Card controls

Simmons Bank new card controls through our app can help you catch fraud on your accounts even faster. By setting up alerts and controls on your card(s), you can know how and when your card is being used.

  • Lock and unlock cards
  • Set transaction limits
  • Specify what type of merchants your card can be used at

For additional information and FAQs, click the link below.

Learn more about Card Controls

27_mobile-security---white (2).png

Pay it safe with Zelle®

Located conveniently in your Simmons Bank Mobile app, Zelle® enables you to send and receive money with friends and family, wherever they bank in the U.S. Follow these easy tips to use Zelle® safely:

  1. Only send money to those you know and trust
  2. Beware of payment scams
  3. Treat Zelle® like cash Learn more about how to use Zelle® safely, including the science behind scams and how to spot them.

Use the link below to learn more about how to use Zelle® safely, including the science behind scams and how to spot them.

Learn more about Zelle®

VERTICAL Bank-lockup-post-launch-V-CMYK-01.png


Fraud alert: Banks don’t do that

Scammers target everyone, including you.

Banks ask a lot of questions, but there are certain things banks will never do. In 2021, the Federal Trade Commission received 2.8 million reports of fraud against consumers. In addition to scammers being creative, they are busy...

Read now

  • {192} Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.