Phone number is unfortunately not reliable, since it can be spoofed (and phone companies are broadly uninterested in doing more than the bare minimum to address

Phone number is unfortunately not reliable, since it can be spoofed (and phone companies are broadly uninterested in doing more than the bare minimum to address this). There are plenty of scams based on impersonating some official (FBI, IRS, etc). It's not hard to imagine a scammer spoofing your bank's phone number [0, 1, 2, 3]. [0] https://www.snbonline.com/about/news/scammers-can-spoof-an-official-phone-number-heres-how-to-tell https://www.snbonline.com/about/news/scammers-can-spoof-an-o... [1] https://www.westernbank.com/fraud-prevention/what-you-should-know-about-caller-id-spoofing/ https://www.westernbank.com/fraud-prevention/what-you-should... [2] https://www.wellsfargo.com/privacy-security/fraud/bank-scams/bank-imposter/ https://www.wellsfargo.com/privacy-security/fraud/bank-scams... [3] https://www.fcc.gov/spoofing https://www.fcc.gov/spoofing