It's actually also quite frustrating when financial institutions don't have proper secure practices in place. If you've ever wired money from SFCU, you'd know they would ask you to fill out a form with a handwritten wire password. You submit the form and someone from the credit union would call you to verify your wire password.

When I received the call from them, they asked for my date of birth and other information. I explained that I'm not comfortable revealing my details to an incoming call and to give me their extension instead. When I did this with BoA or Chase, they'd immediately understand my concern.

The SFCU person on the line, however, gave me some passive aggressive statement about me causing extra work. This was followed by me calling their official number on their web page and having to wait about 20-30 minutes to get through to the extension number to the same person, which proved that the previous call was legit. However, said person proceeded to mock me for having wasted our time.

I love SFCU but they really need to understand how scammers work.