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Got a bank transfer alert text? It might be a scam; here’s what to do

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Got a bank transfer alert text? It might be a scam; here’s what to do

We recently received an email from Jane, who wrote to us about a suspicious text message she received.

Her experience serves as a crucial reminder for all of us to stay alert in the face of these evolving digital threats. 

Let’s dive into Jane’s encounter and explore what it means for our financial safety in 2025.

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A person receiving a transfer alert scam text   (Kurt “CyberGuy” Knutsson)

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Jane’s alarming text: A textbook scam attempt

Jane wrote to us with the following concern:

“I just got a text from Kinecta here in California that says, ‘Transfer request of $950.44 to BRYANA WHITE has been approved. If you didn’t authorize please visit (link here) to cancel now.’ Is this a scam text? Should I be worried?”

Excellent question, Jane! Your caution is commendable, and, yes, you should be concerned. Let’s break down this scam attempt and see why it raises so many red flags.

Kinecta scam text   (Kurt “CyberGuy” Knutsson)

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Red flags: Spotting the scam

Jane’s text message exhibits several telltale signs of a scam that everyone should be aware of:

Urgency as a weapon: Scammers exploit our fear of financial loss to prompt hasty actions. They use phrases like, in this case, “Act now” or “Cancel Now” and warn of dire consequences if immediate action isn’t taken. This urgency is designed to bypass rational thinking and prevent you from verifying the legitimacy of the request.

Suspicious links: Legitimate banks avoid sending security-sensitive links via text. These links could download viruses to your device or lead you to a fake website designed to steal your personal information. Always verify the URL before entering any sensitive data.

Specific yet unfamiliar details: The mention of “Bryana White” and the precise amount of $950.44 is a clever tactic. Scammers often use specific details to create an illusion of legitimacy, even when these details are unfamiliar to the recipient. This approach aims to instill doubt and urgency, increasing the chances that the victim will act hastily.

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Brand impersonation: Scammers often employ brand impersonation tactics, using similar logos, fonts and color schemes to create a facade of legitimacy. This deceptive strategy is designed to manipulate you into believing you are interacting with a trusted institution, thereby increasing the likelihood of falling for their scam.

Unsolicited contact: Be wary of unexpected texts claiming to be from your bank, especially if you haven’t signed up for text alerts.

Spelling and grammatical errors: Look for mistakes in spelling, grammar or punctuation. Legitimate messages from banks are usually written by professionals and are free of errors.

Requests for personal information: Scammers often ask you to “confirm” details like your account number or password. Legitimate banks never request sensitive information via text.

Too good to be true offers: Be skeptical of messages promising large returns or unexpected windfalls.

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Pressure tactics: Scammers often use threatening language or impose tight deadlines to manipulate you into acting quickly without thinking.

A person receiving a scam text   (Kurt “CyberGuy” Knutsson)

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The scammer’s playbook: Objectives unveiled

These digital deceivers have 3 clear goals in mind:

  • Data theft: Luring you to fake websites to harvest login credentials.
  • Malware distribution: Tricking you into downloading malicious software.
  • Financial fraud: Manipulating you into revealing sensitive financial information.

Illustration of a scammer at work   (Kurt “CyberGuy” Knutsson)

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How to protect yourself from text scams

As scammers become increasingly sophisticated, it’s crucial to arm yourself with knowledge and take proactive steps to safeguard your personal information. Here are seven essential tips to help you stay protected:

1. Never click suspicious links in text messages: In Jane’s case, clicking the link could have led to a fake Kinecta website designed to steal her login credentials.

2. Have strong antivirus software: This can help detect and block malicious software that might be downloaded if Jane had clicked on the scammer’s link. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3. Contact your bank directly using official channels: Jane should call Kinecta’s official number to verify if there’s any real issue with her account, rather than responding to the text.

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4. Report the text to your bank and forward it to 7726 (SPAM): By reporting this text, Jane can help Kinecta and her mobile carrier protect other customers from similar scams.

5. Enable two-factor authentication (2FA) on your accounts: This extra layer of security could prevent scammers from accessing Jane’s account even if they obtained her password.

6. Use SMS filtering tools provided by your mobile carrier: These tools might have caught and flagged the suspicious “Kinect” text before it reached Jane’s inbox.

7. Invest in personal data removal services: This can help reduce the amount of personal information available online, making it harder for scammers to target Jane and you with personalized attacks in the future. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services here.

Kurt’s key takeaways

Remember, legitimate financial institutions will never pressure you to act immediately or click on links in text messages. When in doubt, always reach out to your bank directly using official channels. Thank you, Jane, for bringing this to our attention. Your vigilance not only protected you but also helps educate others. Together, we can stay one step ahead of scammers and protect our finances.

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What additional steps do you think governments, regulatory agencies like the FCC or cellular providers should take to stop the rise of scam texts and protect consumers from these malicious schemes? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

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Defense secretary Pete Hegseth designates Anthropic a supply chain risk

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Defense secretary Pete Hegseth designates Anthropic a supply chain risk

This week, Anthropic delivered a master class in arrogance and betrayal as well as a textbook case of how not to do business with the United States Government or the Pentagon.

Our position has never wavered and will never waver: the Department of War must have full, unrestricted access to Anthropic’s models for every LAWFUL purpose in defense of the Republic.

Instead, @AnthropicAI and its CEO @DarioAmodei, have chosen duplicity. Cloaked in the sanctimonious rhetoric of “effective altruism,” they have attempted to strong-arm the United States military into submission – a cowardly act of corporate virtue-signaling that places Silicon Valley ideology above American lives.

The Terms of Service of Anthropic’s defective altruism will never outweigh the safety, the readiness, or the lives of American troops on the battlefield.

Their true objective is unmistakable: to seize veto power over the operational decisions of the United States military. That is unacceptable.

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As President Trump stated on Truth Social, the Commander-in-Chief and the American people alone will determine the destiny of our armed forces, not unelected tech executives.

Anthropic’s stance is fundamentally incompatible with American principles. Their relationship with the United States Armed Forces and the Federal Government has therefore been permanently altered.

In conjunction with the President’s directive for the Federal Government to cease all use of Anthropic’s technology, I am directing the Department of War to designate Anthropic a Supply-Chain Risk to National Security. Effective immediately, no contractor, supplier, or partner that does business with the United States military may conduct any commercial activity with Anthropic. Anthropic will continue to provide the Department of War its services for a period of no more than six months to allow for a seamless transition to a better and more patriotic service.

America’s warfighters will never be held hostage by the ideological whims of Big Tech. This decision is final.

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What Trump’s ‘ratepayer protection pledge’ means for you

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What Trump’s ‘ratepayer protection pledge’ means for you

NEWYou can now listen to Fox News articles!

When you open a chatbot, stream a show or back up photos to the cloud, you are tapping into a vast network of data centers. These facilities power artificial intelligence, search engines and online services we use every day. Now there is a growing debate over who should pay for the electricity those data centers consume.

During President Trump’s State of the Union address this week, he introduced a new initiative called the “ratepayer protection pledge” to shift AI-driven electricity costs away from consumers. The core idea is simple. 

Tech companies that run energy-intensive AI data centers should cover the cost of the extra electricity they require rather than passing those costs on to everyday customers through higher utility rates.

It sounds simple. The hard part is what happens next.

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At the State of the Union address Feb. 24, 2026, President Trump unveiled the “ratepayer protection pledge” aimed at shielding consumers from rising electricity costs tied to AI data centers. (Nathan Posner/Anadolu via Getty Images)

Why AI is driving a surge in electricity demand

AI systems require enormous computing power. That computing power requires enormous electricity. Today’s data centers can consume as much power as a small city. As AI tools expand across business, healthcare, finance and consumer apps, energy demand has risen sharply in certain regions.

Utilities have warned that the current grid in many parts of the country was not built for this level of concentrated demand. Upgrading substations, transmission lines and generation capacity costs money. Traditionally, those costs can influence rates paid by homes and small businesses. That is where the pledge comes in.

What the ratepayer protection pledge is designed to do

Under the ratepayer protection pledge, large technology companies would:

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  • Cover the full cost of additional electricity tied to their data centers
  • Build their own on-site power generation to reduce strain on the public grid

Supporters say this approach separates residential energy costs from large-scale AI expansion. In other words, your household bill should not rise simply because a new AI data center opens nearby. So far, Anthropic is the clearest public backer. CyberGuy reached out to Anthropic for a comment on its role in the pledge. A company spokesperson referred us to a tweet from Anthropic Head of External Affairs Sarah Heck.

“American families shouldn’t pick up the tab for AI,” Heck wrote in a post on X. “In support of the White House ratepayer protection pledge, Anthropic has committed to covering 100% of electricity price increases that consumers face from our data centers.”

That makes Anthropic one of the first major AI companies to publicly state it will absorb consumer electricity price increases tied to its data center operations. Other major firms may be close behind. The White House reportedly plans to host Microsoft, Meta and Anthropic in early March to discuss formalizing a broader deal, though attendance and final terms have not been confirmed publicly.

Microsoft also expressed support for the initiative. 

“The ratepayer protection pledge is an important step,” Brad Smith, Microsoft vice chair and president, said in a statement to CyberGuy. “We appreciate the administration’s work to ensure that data centers don’t contribute to higher electricity prices for consumers.”  

Industry groups also point to companies such as Google and utilities including Duke Energy and Georgia Power as making consumer-focused commitments tied to data center growth. However, enforcement mechanisms and long-term regulatory details remain unclear.

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CHINA VS SPACEX IN RACE FOR SPACE AI DATA CENTERS

The White House plans talks with Microsoft, Meta and Anthropic about shifting AI energy costs away from consumers. (Eli Hiller/For The Washington Post via Getty Images)

How this could change the economics of AI

AI infrastructure is already one of the most expensive technology buildouts in history. Companies are investing billions in chips, servers and real estate. If firms must also finance dedicated power plants or pay premium rates for grid upgrades, the cost of running AI systems increases further. That could lead to:

  • Slower expansion in some markets
  • Greater investment in renewable energy and storage
  • More partnerships between tech firms and utilities

Energy strategy may become just as important as computing strategy. For consumers, this shift signals that electricity is now a central part of the AI conversation. AI is no longer only about software. It is also about infrastructure.

The bigger consumer tech picture

AI is becoming embedded in smartphones, search engines, office software and home devices. As adoption grows, so does the hidden infrastructure supporting it. Energy is now part of the conversation around everyday technology. Every AI-generated image, voice command or cloud backup depends on a power-hungry network of servers.

By asking companies to account more directly for their electricity use, policymakers are acknowledging a new reality. The digital world runs on very physical resources. For you, that shift could mean more transparency. It also raises new questions about sustainability, local impact and long-term costs.

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ARTIFICIAL INTELLIGENCE HELPS FUEL NEW ENERGY SOURCES

As AI expansion strains the grid, a new proposal would require tech firms to fund their own power needs. (Sameer Al-Doumy/AFP via Getty Images)

What this means for you

If you are a homeowner or renter, the practical question is simple. Will this protect my electric bill? In theory, separating data center energy costs from residential rates could reduce the risk of price spikes tied to AI growth. If companies fund their own generation or grid upgrades, utilities may have less reason to spread those costs among all customers.

That said, utility pricing is complex. It depends on state regulators, long-term planning and local energy markets.

Here is what you can watch for in your area:

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  • New data center construction announcements
  • Utility filings that mention large commercial load growth
  • Public service commission decisions on rate adjustments

Even if you rarely use AI tools, your community could feel the effects of a nearby data center. The pledge is intended to keep those large-scale power demands from showing up in your monthly bill.

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Kurt’s key takeaways

The ratepayer protection pledge highlights an important turning point. AI is no longer only about innovation and speed. It is also about energy and accountability. If tech companies truly absorb the cost of their expanding power needs, households may avoid some of the financial strain tied to rapid AI growth. If not, utility bills could become an unexpected front line in the AI era.

As AI tools become part of daily life, how much extra power are you willing to support to keep them running? Let us know by writing to us at Cyberguy.com.

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Here’s your first look at Kratos in Amazon’s God of War show

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Here’s your first look at Kratos in Amazon’s God of War show

Amazon has slowly been teasing out casting details for its live-action adaptation of God of War, and now we have our first look at the show. It’s a single image but a notable one showing protagonist Kratos and his son Atreus. The characters are played by Ryan Hurst and Callum Vinson, respectively, and they look relatively close to their video game counterparts.

There aren’t a lot of other details about the show just yet, but this is Amazon’s official description:

The God of War series storyline follows father and son Kratos and Atreus as they embark on a journey to spread the ashes of their wife and mother, Faye. Through their adventures, Kratos tries to teach his son to be a better god, while Atreus tries to teach his father how to be a better human.

That sounds a lot like the recent soft reboot of the franchise, which started with 2018’s God of War and continued through Ragnarök in 2022. For the Amazon series, Ronald D. Moore, best-known for his work on For All Mankind and Battlestar Galactica, will serve as showrunner. The rest of the cast includes: Mandy Patinkin (Odin), Ed Skrein (Baldur), Max Parker (Heimdall), Ólafur Darri Ólafsson (Thor), Teresa Palmer (Sif), Alastair Duncan (Mimir), Jeff Gulka (Sindri), and Danny Woodburn (Brok).

While production is underway on the God of War series, there’s no word on when it might start streaming.

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