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Will my bank ever ask for a code over the phone?

Short answer

Some banks may verify you when you call them, but a caller who contacted you and asks you to read a code is a red flag. Hang up and call the number on your card.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

FTC consumer advice: verification code scamsconsumer.ftc.gov
ReportFraud.ftc.govreportfraud.ftc.gov
CISA: Secure Our Worldcisa.gov