Your bank may stop texting you six-digit codes

If you bank online, you probably know the routine. You enter your password and then wait for a six-digit code to arrive by text. That extra step is supposed to help prove you are really you. Unfortunately, scammers have learned how to turn those codes against us.

A fake bank representative may call and persuade you to read the code aloud. A phishing site can trick you into typing it in. A SIM-swap attack can give a criminal control of your phone number, potentially putting those texted security codes within reach.