1. Bank notifies you to call them, but you initiate the call. 2. Bank confirms your identity with some inconsequential piece of information: a verbal passcode,

1. Bank notifies you to call them, but you initiate the call. 2. Bank confirms your identity with some inconsequential piece of information: a verbal passcode, the approximate dollar amount of two recent transactions, etc. If the bank initiates the call, ask for their name and call the bank back.