The urgency trap in messages

“Act now” or “your account will be closed” can leave little time to think. A familiar name or logo does not prove who sent the message.

Take a 30-second pause

Before opening a link, check the sender and ask why the request arrived now. A polished message can still be fraudulent; do not use the number or link it provides.

Reach the bank or service through its official app or a number you already have. Do not open unexpected attachments or share one-time sign-in codes.

If a request makes you feel rushed, verify it through a separate channel first. FTC: How to recognize and avoid phishing scams.