Email Common Last seen May 19, 2026

The job offer that wants your bank info on day one.

A remote job offer arrives unsolicited, the interview is by text only, and they need your bank account details to set up payroll before you have started.

How it shows up

  • Mystery shopper job Check arrives, buy gift cards and report on the experience.
  • Personal assistant role I'm a busy executive, run errands and buy things for me, I'll reimburse.
  • Reshipping job Receive packages at home and forward them (you're laundering stolen goods).
  • Crypto data-entry role Asks for ID and a selfie holding it for KYC.

The email comes from a name that looks like a real recruiter and references a real-sounding company. The job is remote, the hours are flexible, and the pay is suspiciously good for the work described. The interview happens entirely by text or Telegram. They never video chat. The offer letter shows up fast.

Then there’s the catch. They mail you a check to buy your equipment from their preferred vendor, and ask you to send the difference back. Or they ask for your bank account for direct deposit and your driver’s license for verification before any work begins. The check bounces a week later. The bank info gets drained. Or your identity gets used to open accounts.

This one targets people who are job hunting, recently laid off, or looking for flexible work. It also targets students and recent grads. The pressure of needing the job is what makes the script work.

Principles to remember

  1. Call back through a number you found yourself

    If someone contacts you claiming to be your bank, the IRS, or a tech company, hang up and reach them through a number you look up independently.

  2. If you can’t undo it, it’s probably a scam

    Real transactions can be disputed, reversed, or paused. Anything pushing you toward a one-way action is designed that way for a reason.

  3. Real companies have real phone numbers

    A legitimate employer, support team, or business has a website, a published main number, and a real address. If the only way to reach them is a chat window or a messaging app, that is the tell.