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Smishing Scams

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The term “SMiShing” comes from the SMS technology that is used for mobile phone text messages. “Smishing” is a type of identity theft, the mobile phone counterpart to phishing. In both cases, scammers try to trick the victim into revealing personal information.

With a smishing scam, victims typically receive a text message of an urgent nature on their cell phone or other mobile device, such as threatening the closure of an account unless the recipient responds within a certain period of time. A website link or phone number is provided, where they are then asked to provide personal financial information. This information may include account numbers, passwords, or any combination of sensitive information that could be used fraudulently.

Reputable companies, including Virginia Credit Union, will not send unsolicited text messages to request or verify your personal or financial information.

Avoid smishing scams

Beware of any text message that expresses an urgent need for you to verify your identity, update your personal information, or activate an account. If you receive such a text message, do not respond to it.

  • Do not use a website URL you received in a text message, even though it may look legitimate.
  • Do not call the phone number. The voice response system may sound authentic, but beware. Instead, contact the financial institution using a phone number you know to be correct.
  • Do not reply to the text message. Never disclose any personal information via text message.

Instead, report the message to the institution from which it appears to come.  If the message appears to be from VACU, you can forward the text to us at "" from your mobile phone. 

If you have any questions or if we can help you in any way, please contact Member Services at 804-323-6800 or 800-285-6609.