Staying Smart With Two-Factor Authentication: What to Watch Out For

Two-factor authentication (2FA) is one of the best ways to protect your accounts. But like any security tool, it’s not foolproof. Cybercriminals know people are using it — and they’ve found ways to try to get around it.
The good news? Most of these tricks depend on catching you off guard. If you know what to watch for, you’ll be ready to shut them down.
Don’t Share Your Codes — With Anyone
This is the most common scam involving 2FA: someone contacts you pretending to be your bank, a service rep, or even a friend, and asks for the verification code that was just sent to your phone.
Don’t fall for it. No legitimate company or support team will ever ask for your code. If someone does, it’s a scam.
If you didn’t request the code yourself, ignore it. It may mean someone is trying to log into your account.
Be Cautious With Text Message Codes
Text message verification codes are common—and easy to use. But they’re not the most secure option.
If someone gets access to your phone account or tricks your phone carrier, they could potentially intercept those codes.
Safer alternatives:
- Use an authenticator app when possible
- Never share a verification code, even if someone says they need it “to fix your account”
- Always assume an unexpected code is a red flag—not a routine message
Don’t Let “Verification Fatigue” Catch You Off Guard
Sometimes, scammers try to wear you down. They might trigger multiple code requests or push login notifications, hoping you’ll hit “approve” out of habit.
If you’re getting unexpected login requests, deny them immediately and change your password.
Store Backup Codes Somewhere Safe
Many accounts give you one-time backup codes in case you can’t access your phone or app. These are your emergency key if you get locked out.
Save them:
- In your password manager
- Or print them and store somewhere safe (not in plain sight)
Don’t wait until you’re in a panic to try to find them.
Update Your 2FA When You Change Devices
New phone? New number? Make sure your two-factor setup is updated. Otherwise, your codes could be going to the wrong place—or get lost altogether.
The Bottom Line
Two-factor authentication is a powerful tool—but it only works if you use it wisely.
- Turn it on
- Use a secure method (like an app instead of text)
- Stay alert to scams
- Keep your backup options safe and current
It’s a small effort that can prevent big headaches down the line.