Users should always scrutinize messages they receive from their banks, especially if they come from outside the institution’s banking app. Cybercriminals will often begin an attack through phishing or smishing, convincing you to click on a malicious link or download an attachment in an email or text. Some of these attempts may manipulate the trust you have in your bank by impersonating them. Thankfully, some banks now offer secure in-app messaging, which is by far the safest way for them to communicate with you. In these cases, you can rest assured that the messages you receive from your bank are secure. This is largely thanks to encryption, which makes messages unreadable to everyone but the selected recipient.  Read Less