How to set up a family safe word (code word) against voice scams
The FBI advises families to “create a secret word or phrase with your family to verify their identity.” The FCC suggests the same. It takes ten minutes and works even when a caller’s voice sounds perfect.
Pick a good code word
- Something easy to remember but impossible to guess or look up.
- Not a pet’s name, street, school, birthday or anything posted online.
- Two unrelated words often work well (for example, a color and a food).
Share it the right way
- Tell family members in person or in a private call, not in a group post or public comment.
- Make sure grandparents, parents and older kids all know it.
- Write it down only somewhere private (for example, a card kept in a wallet), not on social media.
The rules for using it
- If a caller says it’s an emergency and asks for money, ask for the code word.
- Never hint at it or offer choices. The caller must say it.
- If they can’t, hang up and call the person back on a number you already know.
- If the word is ever shared or posted, pick a new one.
Frequently asked questions
Is a safe word enough on its own?
It is a strong check, but also hang up and call back on a known number. Use both whenever money is involved.
What if the real family member forgets it?
Then call them back on a number you know. The safe word is a filter, not the only test.
Sources
- Criminals Use Generative AI to Facilitate Financial Fraud (PSA I-120324-PSA, Dec 2024) — FBI Internet Crime Complaint Center
- 'Grandparent' Scams Get More Sophisticated — Federal Communications Commission
- Scammers Use Fake Emergencies To Steal Your Money — Federal Trade Commission
Free: Free Family Code-Word Card
AI character: Scam Hunter is an AI-created character and not a licensed financial advisor. Content is general education, not professional advice.