Text Message Scams: Tips for Parents and Kids to Stay One Step Ahead

In today’s connected world, smartphones have become a staple in the lives of both adults and kids. Whether it’s for school, socializing, or staying in touch with family, texting is a normal part of everyday communication, especially for children and teens. Unfortunately, scammers know this too, and they’re using text messages as a way to trick people into giving up personal information.

At Casey State Bank, we care about the safety of every member of your family. That’s why we’re offering guidance to help parents and kids recognize text message scams (also known as “smishing”) and protect themselves before anything goes wrong.

What Are Text Message Scams?

Text message scams—commonly called “smishing”—are fraudulent messages designed to trick people into sharing private information or clicking malicious links. These messages often look like they come from legitimate sources such as delivery companies, banks, or even people you know.

For example, a scam message might say:

• “Your package couldn’t be delivered. Click here to reschedule.”
• “Mom: I lost my phone. Text me at this new number.”
• “Congrats! You’ve won a $500 gift card. Claim now!”

Children and teens, who may not yet have experience spotting red flags, are increasingly being targeted by these scams.

How Scammers Trick Young Users

Scammers are savvy. They often:

• Use urgent or exciting language to create panic or excitement.
• Mimic trusted contacts like family members, friends, or schools.
• Encourage fast action, asking recipients to click a link or reply quickly without thinking.

Kids and teens may feel pressured to respond immediately or may not realize that these messages are fake, making them more vulnerable to these tactics.

Tips for Parents

Protecting your child starts with awareness and ongoing conversations. Here’s how parents can help:

• Talk openly about scams. Explain how scammers try to fool people, and encourage your child to come to you with any suspicious message.
• Set boundaries. Teach kids not to click on links or respond to texts from unknown numbers.
• Use parental controls. Many mobile providers and apps offer tools to filter or block suspicious messages.
• Model safe behavior. Show your kids how you handle scam messages so they can learn by example.

Tips for Kids and Teens

Here’s what young users should remember when using their phones:

• Think before you tap. Never click on links from numbers you don’t recognize.
• Don’t reply. Even texting “STOP” can let scammers know your number is active.
• Speak up. If you get a weird or upsetting message, tell a parent or trusted adult immediately.
• Protect your information. Never share passwords, addresses, or personal info over text—even if the message seems legit.

What to Do If You or Your Child Receives a Scam Text

If a suspicious message pops up:

1. Do not respond or click on any links.
2. Block the number to prevent future messages.
3. Report the message to your phone provider by forwarding it to 7726 (SPAM).
4. Report to the FTC at reportfraud.ftc.gov.
5. Contact Casey State Bank if you believe financial information was shared. We’re here to help secure your accounts and guide you through the next steps.

Staying One Step Ahead

While text message scams are becoming more common, knowledge and communication are powerful tools in staying safe. Talk with your children regularly about online safety, and let them know they can always come to you with questions or concerns. Together, you can build healthy digital habits that protect your family from potential threats.

At Casey State Bank, we’re proud to be your partner in safety and financial wellness. Whether you need help spotting a scam or securing your accounts, our team is always here to support you. Contact us today.