A bank imposter scam occurs when fraudsters pose as representatives from a legitimate bank to deceive victims into providing sensitive financial information or making unauthorized transactions. Scammers may contact individuals via phone calls, emails, or text messages, often using caller ID spoofing to make it appear as if the communication is from the bank. They create a sense of urgency by claiming there is fraud on the victim’s account or that immediate action is needed to prevent loss. Victims may be tricked into sharing login credentials, one-time passcodes, or even sending money to a so-called “safe” account.