Imagine opening your inbox and seeing an email with the subject line “Deposit info4636 Ref#7995” that looks urgent and professional. The email features the Xodo Sign logo and claims that your ACH/EFT (Automated Clearing House / Electronic Funds Transfer) processing documents have been successfully verified and are ready for review. It emphasizes the time-sensitive nature of these financial documents and urges you to click a “Review Document” button immediately.
On the surface, it looks like a routine financial communication. But in reality, this is a phishing scam designed to trick you into handing over your email login credentials. Once scammers gain access to your account, they can exploit it in countless damaging ways, including identity theft, spreading malware, and financial fraud.
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Scam Overview
The ACH-EFT Processing Documents Verified email scam is a phishing campaign disguised as a financial services notification. It impersonates Xodo Sign, a legitimate e-signature platform, to trick users into believing they need to review financial documents. The fraudsters carefully design the email to look professional, exploiting urgency and trust to drive clicks.
These subjects are deliberately worded to catch attention and suggest an urgent financial matter.
Branding Abuse The emails prominently feature the Xodo Sign logo and corporate-styled formatting. Scammers rely on brand impersonation to build false trust. Importantly, this scam has no actual connection to Xodo Sign or any legitimate financial institution.
Body Content The email message claims:
Your ACH/EFT documents were processed and verified.
They contain time-sensitive financial information.
You must review them immediately.
It emphasizes urgency to encourage fast, unthinking action.
Action Button The email includes a large “Review Document” button. Clicking it leads to a fraudulent site rather than any real document.
Phishing Pages
The first fake page mimics an official Xodo Sign page.
It offers options like “View Document” or “Download PDF.”
Both buttons redirect the user to a credential phishing site.
Data Harvesting The phishing page asks for the victim’s email address and password. Once entered, this information is captured and sent to scammers.
Why This Scam Works
The ACH-EFT scam succeeds because it:
Appears legitimate – leveraging a real company logo and professional formatting.
Creates urgency – stressing that the documents are time-sensitive.
Targets financial context – ACH/EFT are common banking terms that sound official.
Exploits curiosity – victims fear missing important deposits or financial documents.
Real Risks
Falling victim to this scam can have serious consequences. Once attackers have your email credentials, they may:
Access sensitive personal or financial data in your inbox.
Reset passwords on linked accounts (banking, PayPal, e-commerce, social media).
Impersonate you to scam your friends, colleagues, or clients.
Use your account to spread further phishing emails or malware.
Sell your credentials on dark web marketplaces.
In corporate environments, compromised email accounts can lead to:
Business email compromise (BEC) fraud, including fake invoices.
Network infiltration, where attackers spread malware like ransomware.
Data breaches, exposing confidential client or company information.
How the Scam Works
Understanding the step-by-step mechanics of this scam helps you spot red flags and avoid falling victim.
Step 1: Delivery of the Email
The victim receives a phishing email that appears to come from Xodo Sign or another trusted service. Attackers often use spoofed addresses or compromised servers to increase credibility.
Here is how it usually looks:
Subject: Deposit info4636 Ref#7995
xodo sign by apryse
Important Financial Update: Your ACH-EFT processing documents have been successfully verified and are ready for your review.
Review Document
IMPORTANT: Your secure financial document contains time-sensitive information regarding your payment processing account.
Do Not Share This Email To protect your information and prevent unauthorized access, do not share this email or forward these links to anyone.
Processed by Xodo Sign on behalf of [removed]Secured by 256-bit encryption
Step 2: Social Engineering
The email exploits psychological triggers:
Authority – presenting as an official financial document notice.
Urgency – stressing that the documents are time-sensitive.
Fear of loss – implying you may miss out on financial processing if you don’t act quickly.
Step 3: The Call-to-Action
The email urges the victim to click a “Review Document” button. It is designed to look like a secure link to important documents.
Step 4: Redirect to Fake Site
Clicking the button leads to a fake webpage branded with Xodo Sign logos. It appears convincing and may offer options like “View Document” or “Download PDF.”
Step 5: The Phishing Trap
Regardless of which option the victim clicks, they are taken to a phishing page that mimics an email provider’s login screen. Here, they are asked to enter their email and password.
Step 6: Credential Theft
Once submitted, the login information is immediately transmitted to the scammers’ servers. Some phishing kits even automatically test credentials on multiple providers in real-time.
Step 7: Exploitation of Credentials
After stealing credentials, attackers can:
Access the victim’s email account to steal data.
Reset passwords for online banking, PayPal, Amazon, or social media.
Send phishing emails to the victim’s contacts.
Commit financial fraud using stolen accounts.
Spread malware via infected attachments or links.
Step 8: Long-Term Abuse
For high-value targets, attackers may:
Monitor email communications for weeks or months.
Insert themselves into financial transactions (invoice fraud).
Spread ransomware or trojans across corporate networks.
What To Do If You Have Fallen Victim
If you clicked the link or entered your login credentials, act quickly. The faster you respond, the less damage scammers can do.
1. Change Your Password Immediately
Go directly to your email provider’s official website (not through the phishing link). Change your password to a strong, unique one.
2. Enable Two-Factor Authentication (2FA)
Turn on 2FA for your account. Use an authenticator app or hardware key for stronger protection than SMS codes.
3. Check for Unauthorized Activity
Review your account’s login history. Look for unusual logins from unknown locations or devices.
4. Revoke Suspicious App Connections
Go to your email settings and remove any unauthorized third-party connections or forwarding rules.
5. Notify Your Contacts
If your account was compromised, warn friends, family, or colleagues that they may receive phishing messages from your email.
6. Scan Your Device for Malware
Run a full scan using reputable antivirus software. Some phishing campaigns also attempt to drop malware.
7. Secure Linked Accounts
If you used the same password for other accounts, change them immediately. Enable 2FA wherever possible.
8. Monitor Your Finances
Check bank accounts, PayPal, and credit card statements for suspicious activity. Report unauthorized transactions to your financial institution.
In the EU, report to your national cybercrime authority.
10. Consider Identity Protection
If sensitive data was exposed, consider enrolling in a credit monitoring or identity theft protection service.
Is Your Device Infected? Check for Malware
If your device is running slowly or acting suspicious, it may be infected with malware. Malwarebytes Anti-Malware Free is a great option for scanning your device and detecting potential malware or viruses. The free version can efficiently check for and remove many common infections.
Malwarebytes can run on Windows, Mac, and Android devices. Depending on which operating system is installed on the device you’re trying to run a Malwarebytes scan, please click on the tab below and follow the displayed steps.
Malwarebytes For WindowsMalwarebytes For MacMalwarebytes For Android
Scan your computer with Malwarebytes for Windows to remove malware
Malwarebytes stands out as one of the leading and widely-used anti-malware solutions for Windows, and for good reason. It effectively eradicates various types of malware that other programs often overlook, all at no cost to you. When it comes to disinfecting an infected device, Malwarebytes has consistently been a free and indispensable tool in the battle against malware. We highly recommend it for maintaining a clean and secure system.
Download Malwarebytes for Windows
You can download Malwarebytes by clicking the link below.
After the download is complete, locate the MBSetup file, typically found in your Downloads folder. Double-click on the MBSetup file to begin the installation of Malwarebytes on your computer. If a User Account Control pop-up appears, click “Yes” to continue the Malwarebytes installation.
Follow the On-Screen Prompts to Install Malwarebytes
When the Malwarebytes installation begins, the setup wizard will guide you through the process.
You’ll first be prompted to choose the type of computer you’re installing the program on—select either “Personal Computer” or “Work Computer” as appropriate, then click on Next.
Malwarebytes will now begin the installation process on your device.
When the Malwarebytes installation is complete, the program will automatically open to the “Welcome to Malwarebytes” screen.
On the final screen, simply click on the Open Malwarebytes option to start the program.
Enable “Rootkit scanning”.
Malwarebytes Anti-Malware will now start, and you will see the main screen as shown below. To maximize Malwarebytes’ ability to detect malware and unwanted programs, we need to enable rootkit scanning. Click on the “Settings” gear icon located on the left of the screen to access the general settings section.
In the settings menu, enable the “Scan for rootkits” option by clicking the toggle switch until it turns blue.
Now that you have enabled rootkit scanning, click on the “Dashboard” button in the left pane to get back to the main screen.
Perform a Scan with Malwarebytes.
To start a scan, click the Scan button. Malwarebytes will automatically update its antivirus database and begin scanning your computer for malicious programs.
Wait for the Malwarebytes scan to complete.
Malwarebytes will now scan your computer for browser hijackers and other malicious programs. This process can take a few minutes, so we suggest you do something else and periodically check the status of the scan to see when it is finished.
Quarantine detected malware
Once the Malwarebytes scan is complete, it will display a list of detected malware, adware, and potentially unwanted programs. To effectively remove these threats, click the “Quarantine” button.
Malwarebytes will now delete all of the files and registry keys and add them to the program’s quarantine.
Restart your computer.
When removing files, Malwarebytes may require a reboot to fully eliminate some threats. If you see a message indicating that a reboot is needed, please allow it. Once your computer has restarted and you are logged back in, you can continue with the remaining steps.
Your computer should now be free of trojans, adware, browser hijackers, and other malware.
If your current antivirus allowed this malicious program on your computer, you may want to consider purchasing Malwarebytes Premium to protect against these types of threats in the future. If you are still having problems with your computer after completing these instructions, then please follow one of the steps:
Scan your computer with Malwarebytes for Mac to remove malware
Malwarebytes for Mac is an on-demand scanner that can destroy many types of malware that other software tends to miss without costing you absolutely anything. When it comes to cleaning up an infected device, Malwarebytes has always been free, and we recommend it as an essential tool in the fight against malware.
Download Malwarebytes for Mac.
You can download Malwarebytes for Mac by clicking the link below.
When Malwarebytes has finished downloading, double-click on the setup file to install Malwarebytes on your computer. In most cases, downloaded files are saved to the Downloads folder.
Follow the on-screen prompts to install Malwarebytes.
When the Malwarebytes installation begins, you will see the Malwarebytes for Mac Installer which will guide you through the installation process. Click “Continue“, then keep following the prompts to continue with the installation process.
When your Malwarebytes installation completes, the program opens to the Welcome to Malwarebytes screen. Click the “Get started” button.
Select “Personal Computer” or “Work Computer”.
The Malwarebytes Welcome screen will first ask you what type of computer are you installing this program, click either Personal Computer or Work Computer.
Click on “Scan”.
To scan your computer with Malwarebytes, click on the “Scan” button. Malwarebytes for Mac will automatically update the antivirus database and start scanning your computer for malware.
Wait for the Malwarebytes scan to complete.
Malwarebytes will scan your computer for adware, browser hijackers, and other malicious programs. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
Click on “Quarantine”.
When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes has detected. To remove the malware that Malwarebytes has found, click on the “Quarantine” button.
Restart computer.
Malwarebytes will now remove all the malicious files that it has found. To complete the malware removal process, Malwarebytes may ask you to restart your computer.
Your Mac should now be free of adware, browser hijackers, and other malware.
If your current antivirus allowed a malicious program on your computer, you might want to consider purchasing the full-featured version of Malwarebytes Anti-Malware to protect against these types of threats in the future. If you are still experiencing problems while trying to remove a malicious program from your computer, please ask for help in our Mac Malware Removal Help & Support forum.
Scan your phone with Malwarebytes for Android to remove malware
Malwarebytes for Android automatically detects and removes dangerous threats like malware and ransomware so you don’t have to worry about your most-used device being compromised. Aggressive detection of adware and potentially unwanted programs keeps your Android phone or tablet running smooth.
Download Malwarebytes for Android.
You can download Malwarebytes for Android by clicking the link below.
In the Google Play Store, tap “Install” to install Malwarebytes for Android on your device.
When the installation process has finished, tap “Open” to begin using Malwarebytes for Android. You can also open Malwarebytes by tapping on its icon in your phone menu or home screen.
Follow the on-screen prompts to complete the setup process
When Malwarebytes will open, you will see the Malwarebytes Setup Wizard which will guide you through a series of permissions and other setup options. This is the first of two screens that explain the difference between the Premium and Free versions. Swipe this screen to continue. Tap on “Got it” to proceed to the next step. Malwarebytes for Android will now ask for a set of permissions that are required to scan your device and protect it from malware. Tap on “Give permission” to continue. Tap on “Allow” to permit Malwarebytes to access the files on your phone.
Update database and run a scan with Malwarebytes for Android
You will now be prompted to update the Malwarebytes database and run a full system scan.
Click on “Update database” to update the Malwarebytes for Android definitions to the latest version, then click on “Run full scan” to perform a system scan.
Wait for the Malwarebytes scan to complete.
Malwarebytes will now start scanning your phone for adware and other malicious apps. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
Click on “Remove Selected”.
When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes for Android has detected. To remove the malicious apps that Malwarebytes has found, tap on the “Remove Selected” button.
Restart your phone.
Malwarebytes for Android will now remove all the malicious apps that it has found. To complete the malware removal process, Malwarebytes may ask you to restart your device.
Your phone should now be free of adware, browser hijackers, and other malware.
If your current antivirus allowed a malicious app on your phone, you may want to consider purchasing the full-featured version of Malwarebytes to protect against these types of threats in the future. If you are still having problems with your phone after completing these instructions, then please follow one of the steps:
Restore your phone to factory settings by going to Settings > General management > Reset > Factory data reset.
What is the ACH-EFT Processing Documents Verified email scam?
The ACH-EFT Processing Documents Verified email scam is a phishing attack designed to steal email account credentials. The email typically arrives with a subject line such as “Deposit info4636 Ref#7995” and displays the Xodo Sign logo to appear legitimate. It falsely claims that your ACH/EFT (Automated Clearing House / Electronic Funds Transfer) documents have been successfully verified and are ready for review. The email includes a “Review Document” button, which redirects to a fake site that prompts victims to enter their login details. These credentials are then harvested and exploited by scammers.
Is this email really from Xodo Sign?
No, this email is not from Xodo Sign or any genuine financial service provider. Cybercriminals are misusing the Xodo Sign branding and logos to make the message appear trustworthy. The company has no connection to this phishing campaign, and any email requesting that you review “ACH-EFT documents” through unsolicited links should be treated as fraudulent.
Why do scammers use ACH/EFT terminology in the email?
Scammers use ACH/EFT terminology because these terms sound official, financial, and urgent. ACH (Automated Clearing House) and EFT (Electronic Funds Transfer) are real banking processes used for electronic payments, payroll deposits, and financial transactions. By referencing these terms, scammers exploit the victim’s fear of missing an important payment or banking notification, increasing the likelihood of a quick, uncritical response.
What happens if I click “Review Document” in this email?
Clicking “Review Document” will not show any legitimate files. Instead, it redirects you to a phishing page that mimics a login portal. This page may include the Xodo Sign logo and options like “View Document” or “Download PDF,” but both links lead to a fake login form. If you enter your credentials, they are immediately sent to the attackers. This can result in full compromise of your email account.
What can scammers do with my stolen email credentials?
Stolen email credentials give scammers control over your inbox and potentially all accounts linked to it. With access, they can:
Read sensitive emails and download financial documents.
Reset passwords for banking, PayPal, shopping, and social media accounts.
Send phishing or scam messages to your contacts.
Impersonate you for identity theft, loan requests, or donation scams.
Spread malware and ransomware within corporate networks if the account is work-related.
Sell your credentials on dark web marketplaces to other cybercriminals.
How can I recognize the ACH-EFT Processing Documents Verified scam email?
You can identify this scam by checking for red flags:
The sender address does not match the official Xodo Sign domain.
The subject line references “Deposit info” or “ACH/EFT documents verified” unexpectedly.
The message emphasizes urgency, claiming the documents are time-sensitive.
The links in the email do not direct to the official Xodo Sign or your financial institution.
The message uses generic greetings rather than addressing you by name.
The formatting may look professional, but it often contains inconsistencies.
What should I do if I entered my login credentials on the phishing page?
If you submitted your details, act immediately:
Change your email password directly through the official website of your provider.
Enable two-factor authentication (2FA) using an authenticator app or hardware key.
Review account activity and log out unknown sessions.
Remove unauthorized forwarding rules or app integrations from your email settings.
Warn your contacts not to trust suspicious messages from your account.
Scan your device for malware with updated antivirus software.
Secure linked accounts (banking, PayPal, social media) by changing passwords and enabling 2FA.
The primary goal of this scam is to steal login credentials. However, some phishing variants may also offer fake PDF downloads or malicious links that install malware, spyware, or ransomware. That is why it is essential to run a full system scan after interacting with suspicious emails to ensure no hidden infections are present.
How can I protect myself from scams like this?
To avoid falling victim to phishing scams:
Never click on links in unsolicited financial emails.
Verify any notification by going directly to the provider’s official website.
Use strong, unique passwords for each account.
Enable two-factor authentication for all critical accounts.
Keep your operating system and antivirus software updated.
Be cautious of emails that stress urgency or financial consequences.
Should I report the ACH-EFT Processing Documents Verified email scam?
Yes, reporting phishing emails helps providers and security agencies fight these campaigns. You can:
Use your provider’s built-in “Report phishing” option.
In the EU, report to your national cybercrime authority.
The Bottom Line
The ACH-EFT Processing Documents Verified email scam is a dangerous phishing campaign that abuses trust in financial notifications and brand impersonation. By pretending to come from Xodo Sign, the scam tricks victims into believing they must urgently review time-sensitive financial documents.
Key takeaways:
The email is not legitimate and has no connection to Xodo Sign or financial institutions.
Clicking the link leads to a phishing page that steals email login credentials.
Stolen credentials can lead to identity theft, financial fraud, and corporate breaches.
If you interacted with this email, secure your accounts immediately by changing passwords, enabling 2FA, and reporting the scam.
How to Stay Safe Online
Here are 10 basic security tips to help you avoid malware and protect your device:
Use a good antivirus and keep it up-to-date.
It's essential to use a good quality antivirus and keep it up-to-date to stay ahead of the latest cyber threats. We are huge fans of Malwarebytes Premium and use it on all of our devices, including Windows and Mac computers as well as our mobile devices. Malwarebytes sits beside your traditional antivirus, filling in any gaps in its defenses, and providing extra protection against sneakier security threats.
Keep software and operating systems up-to-date.
Keep your operating system and apps up to date. Whenever an update is released for your device, download and install it right away. These updates often include security fixes, vulnerability patches, and other necessary maintenance.
Be careful when installing programs and apps.
Pay close attention to installation screens and license agreements when installing software. Custom or advanced installation options will often disclose any third-party software that is also being installed. Take great care in every stage of the process and make sure you know what it is you're agreeing to before you click "Next."
Install an ad blocker.
Use a browser-based content blocker, like AdGuard. Content blockers help stop malicious ads, Trojans, phishing, and other undesirable content that an antivirus product alone may not stop.
Be careful what you download.
A top goal of cybercriminals is to trick you into downloading malware—programs or apps that carry malware or try to steal information. This malware can be disguised as an app: anything from a popular game to something that checks traffic or the weather.
Be alert for people trying to trick you.
Whether it's your email, phone, messenger, or other applications, always be alert and on guard for someone trying to trick you into clicking on links or replying to messages. Remember that it's easy to spoof phone numbers, so a familiar name or number doesn't make messages more trustworthy.
Back up your data.
Back up your data frequently and check that your backup data can be restored. You can do this manually on an external HDD/USB stick, or automatically using backup software. This is also the best way to counter ransomware. Never connect the backup drive to a computer if you suspect that the computer is infected with malware.
Choose strong passwords.
Use strong and unique passwords for each of your accounts. Avoid using personal information or easily guessable words in your passwords. Enable two-factor authentication (2FA) on your accounts whenever possible.
Be careful where you click.
Be cautious when clicking on links or downloading attachments from unknown sources. These could potentially contain malware or phishing scams.
Don't use pirated software.
Avoid using Peer-to-Peer (P2P) file-sharing programs, keygens, cracks, and other pirated software that can often compromise your data, privacy, or both.
To avoid potential dangers on the internet, it's important to follow these 10 basic safety rules. By doing so, you can protect yourself from many of the unpleasant surprises that can arise when using the web.
Thomas is an expert at uncovering scams and providing in-depth reporting on cyber threats and online fraud. As an editor, he is dedicated to keeping readers informed on the latest developments in cybersecurity and tech.
