Is a text from your bank asking you to verify a charge a scam?
Very likely yes. Real banks and credit unions do not send a text with a link and ask you to log in or approve a charge from it — a message like that is almost always a smishing (SMS phishing) scam.
What it is
A text message that looks like it's from your bank or credit union, warning about a suspicious charge or locked account and pushing you to tap a link or call a number right away.
How to spot it
It creates urgency — "act now" or "your account will be locked."
It contains a link, and the web address isn't your bank's real site.
It asks you to log in, confirm a card number, or read back a code.
The sender is an unknown number or a random short code.
What to do
Don't tap the link or call the number in the text. Contact your credit union using the number on the back of your card or its official website, and report the message.
When in doubt, slow down. A real credit union, business, or agency is fine with you hanging up and calling back on a number you look up yourself.