Online Security

Text Message Spam

Text message spam is to your cell phone what email spam is to your personal computer. Both may try to get you to reveal personal information.

Text message spam is a triple threat: It often uses the promise of free gifts or product offers to get you to disclose personal information, it can lead to unwanted charges on your cell phone bill, and it can slow cell phone performance.

Please be aware that you will only receive text communication from APCI Federal Credit Union if you activate and register your mobile device for this service. We will never ask for personal information such as your account number or password in a text message.


Here are a few tips to avoid text message spam:

  • Delete text messages that ask you to confirm or provide personal information.
  • Don’t reply, and don’t click on links provided in the message: Links can install malware on your cell phone and take you to spoof sites that look real but whose purpose is to steal your information.
  • Treat your personal information like cash: Your Social Security number, credit card numbers, and bank and utility account numbers can be used to steal your money or open new accounts in your name. Don’t give them out in response to a text.
  • Place your cell phone number on the National Do Not Call Registry at
  • Review your cell phone bill for unauthorized charges, and report them to your carrier.

If you receive unwanted commercial text messages, you can file a complaint with the Federal Trade Commission at



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