Second-Channel Verification

Second-channel verification means confirming a request using a separate, trusted method that the message sender cannot control. Examples include calling a known number from an official website, contacting a person through a saved phone contact, or verifying in person through a recognized institution. Second-channel verification is most important when money, access, account changes, or sensitive information is involved. SAF recommends second-channel verification because impersonation can occur across text, email, phone, and social platforms—even when messages appear convincing.