Protect and prevent bank fraud

MOBILE BANKING

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Our encrypted technology can help keep your information safe and secure.

Alerts^{Disclosure 3} and card controls that put you in charge

You’re in control with account alerts. Lock your card in seconds if it’s lost or stolen, manage transactions, and set spending limits.

Put our security tools to use.

Implement our fraud prevention tools and tips to help keep your money, data, and accounts safe.

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Fraud awareness and prevention

Stay informed. Stay protected.

Fraudsters are constantly finding new ways to deceive bank clients. Staying informed is the first step toward protecting yourself. Here are some of the most common scams and how to avoid them.

Common fraud scams

Some scams are surprisingly common and dangerously convincing. These scams are designed to catch you off guard, but knowing the warning signs can help you stay protected.

Check fraud - Scammers may alter, forge, or steal checks to withdraw funds from your account.
Learn how to identify and prevent check fraud.

Smishing and phishing - Be wary of fraudulent emails or calls pretending to be from trusted sources.
Discover how to spot and avoid these scams.

Social engineering scams - Fraudsters manipulate individuals into divulging confidential information through multiple deceptive means.

Learn more about what are social engineering scams and how to protect yourself.

Natural disaster scams - Scammers exploit natural disasters to commit identity theft or solicit donations for fake charities.
Learn how to spot the red flags.

Emerging threats

As technology evolves, so do the tactics scammers use. From deepfake calls to artificial intelligence (AI)-generated messages, these threats can be hard to detect. Learn more about ways to avoid falling for these scams.

Payment text scam

Scammers will send a text out of the blue, demanding immediate payment for a toll violation, unpaid ticket or package that needs to be redirected. The text typically features a link for payment and comes from a random number. The link leads to a fraudulent website designed to steal card and personal information.

Government & authority imposter scams

Scammers pose as trusted organizations, like the IRS, FBI, the Social Security Administration or even your bank, claiming you owe money, your account is frozen or that you’re in legal trouble.

Synthetic identity theft

Criminals combine real and fake personal information to create a new identity. They use this information to open fraudulent accounts and spend your funds. Fraudsters collect your information from data breaches or social engineering tactics.

AI-generated voice/deepfake fraud

Scammers use AI to generate voices or faces of real people you know to trick you into sending money or private information.

Imposter scams

Scammers will pretend to be someone you trust. They may contact you by text, email or phone to pressure you into sending money or giving up personal information.

‘Money mule’ scams

Scammers will send a text out of the blue, demanding immediate payment for a toll violation, unpaid ticket or package that needs to be redirected. The text typically features a link for payment and comes from a random number. The link leads to a fraudulent website designed to steal card and personal information.

SIM swapping or phone porting

Hackers trick your phone carrier into moving your phone service to a SIM card they control. Once they have control, they can intercept bank alerts or verification text, potentially gaining access to your accounts. Phone porting scams are similar. The scammer transfers your phone number to another carrier - often using stolen information – to gain control of your phone number.

OTP (one-time passcode) scams

Scammers try to trick you into thinking you received a legitimate request to share a code sent to your phone or email. Once they are in, they can use it to bypass account protections and gain access to your funds or information.

Education resources

Fighting fraud starts with knowledge. We offer tools and resources to help you stay one step ahead.

Cyber security checklist

A step-by-step guide to bolster your digital security and help protect your personal information.

Learn more

How to help protect your accounts

Explore seven tips to keep your phone data secure, from locking screens to managing app access.

Learn more

How to help protect your personal data

Boost your identity theft protection with these 9 uncommon tips to protect your data.

Learn more

Tips for using your phone securely

Your phone knows a lot about you. Worried your device is compromised? Learn how to take back control.

Learn more

Security tools and features

Protect your money with the security tools built into your Truist experience.

Protecting your account starts with the tools you already have. Truist offers built-in security features that help you monitor your accounts activity, prevent fraud, and stay in control.

Adopt digital banking tools

The first step in protecting your account is making it easier to monitor your money.

Create a digital banking profile
Set up your online banking profile to unlock access to Truist’s fraud protection tools.
Enroll in Online Banking
Download the Truist mobile app
Manage your money and security with alerts3, card controls and secure messaging.
Download for iOS or Android
Go Paperless^{Disclosure 4}
Help reduce the risk of mail theft by receiving statements digitally.
Go paperless

Monitor & manage account activity

Stay informed in real time to detect and act on suspicious activity quickly.

Set up alerts
Receive text^{Disclosure 3} or email alerts for login attempts, transactions, or balance changes.
Set up account alerts
Use card controls
Lock/unlock cards, set limits, or control transaction types for better fraud prevention.
Manage card controls
Enable Two-Factor Authentication
Add a layer of protection with one-time passcodes for digital access. MFA is a two-step sign-in process. You verify your identity either through biometric identification or by entering a one-time code you receive through text or email. To enable MFA, log in and follow the prompts.

Payment tools

Truist’s advanced tools help you catch fraud faster and keep your identity safe.

Bill Pay
Make payments to businesses through one trusted portal.
Learn about Bill Pay
Paze℠ ^{Disclosure 5}
Use a secure wallet for online purchases without exposing card details.
More about Paze
Payment Notifications
Sign up for alerts^{Disclosure 3} to confirm when transfers or payments occur.
Set up alerts

Use protection & monitoring tools

Truist Security Center

The Truist Security Center provides a look at how we help protect you from fraud—and tips to protect yourself.

Experian® CreditCenter™

Experian® CreditCenter™ is an Experian® product that offers credit monitoring and credit education for free to Truist online banking clients. Experian® CreditCenter™ is offered exclusively through Truist online banking and the Truist mobile app.

For more information, visit Truist.com/security/experian-creditcenter. Your mobile carrier’s messaging and data rates may apply.

Fraud reporting and resolution

If you notice suspicious activity, report it immediately. We’re here to act fast and help resolve your issue. With built-in security tools and real time alerts, you can stay one step ahead of fraud.

Learn more about reporting fraud and what happens next

How do I report fraud and what can I expect after reporting?

Report fraud or suspicious transaction(s) by calling 844-4TRUIST (844-487-8478);
or if outside the U.S., call +1-910-914-8250 to reach a Truist Teammate 24 hours a day, 7 days a week.

The claim process varies depending on the type of claim filed. A claim teammate will contact you in the event additional information is required when reviewing the claim.

How to report fraudulent and suspicious activity | Truist

What’s the difference between fraud and a dispute?

Fraud is when someone uses your account or card without your permission. A dispute is when you made a purchase, but there’s an issue—like not receiving the item or getting something different than expected.

Can I file on pending transactions?

At this time, we're unable to open a claim on pending transactions. Claims can only be filed on posted transactions.

What if I don’t agree with the resolution?

A case resolution is decided after research and investigation has been completed. In the event that you don't agree with the resolution, please contact our claims department to request a second review: Call 844-4TRUIST (844-487-8478)

Why does my card need to be blocked?

For your protection, we will follow Visa and Mastercard guidelines regarding the blocking of cards to avoid additional fraudulent charges.

Who can inquire on a filed claim?

We’ll only share information on a claim with authorized signers on the account associated with the claim. We're unable to share any claim details with anyone not listed as a signer on the account.

How will I know if my claim is resolved?

Once a resolution has been reached, a letter will be mailed to your address on file with the details surrounding the resolution.

Report fraud

Everyday steps to stay secure

Small efforts can add up to a big security boost. Turn these practices into regular habits to make protecting your personal information part of your everyday life.

Get creative with usernames and passwords – For each online account, create a new username and strong password that you aren’t using elsewhere. Fraudsters are known to steal usernames and passwords from other websites to try to gain access to financial websites.
Make passwords hard to crack – Don’t use characters from your email, phone number, or other personally identifiable information (Social Security number, birthdate, etc.) in your passwords.
Consider using a secure password manager – Password managers can help with creating unique passwords across multiple sites.
Enable multi-factor authentication – MFA is a two-step sign-in process. You verify your identity either through biometric identification or by entering a one-time code you receive through text or email.
Use caution on social media – Don’t share protected personal information (birthdate, etc.) on social media. Adjust your social media privacy settings to ensure that only your close family members and friends can view your profile. Ensure MFA is set up on social media accounts whenever it is offered.

Download updates – Keep your operating system and apps updated to ensure access to the latest available security features.
Protect your devices from viruses and malicious software (malware) – Install security software and avoid downloading content from unknown sources.
Customize your security settings – When you buy new devices—including wireless routers, smart speakers, and other smart home devices—adjust their privacy settings, and make sure you have them set to automatically install application and system updates.
Lock your devices and use biometric authentication when available – The Truist Mobile App offers biometric authentication to iPhone® and Android™ clients.^{Disclosure 6}
Use only trusted wireless networks – Avoid public Wi-Fi. Use secure networks to protect your personal data and account info. Perform financial transactions (including banking and online shopping) only on secure networks. We also recommend using a virtual private network (VPN) to establish a secure private connection.
Avoid using free charging stations – Data thieves can install malware to steal information from your device. Use your own charger with a plug versus inserting your USB cord.
Wipe your computer or mobile device – Delete all your data before you donate, sell, or trade in your electronic devices.
Report loss or theft of any device – If your phone is lost or stolen, inform your carrier immediately.

Keep communicating with us – If you’re not sure whether it’s us calling, don’t answer. But do call us back as soon as possible at 844-4TRUIST (844-487-8478) or the customer service number printed on your bank card or statement. We might be calling to confirm whether a recent application or transaction is legitimate.
Safeguard your personal information – Never share or confirm personal information like Social Security or account numbers over email, text, or phone unless you initiated the call or have verified the caller.
Don’t respond to suspicious texts or emails – And don’t open suspicious links or attachments, especially from senders you don’t know. If you have a question about a message from Truist, call us at 844-4TRUIST (844-487-8478).
Don’t rely on caller ID – Scammers can use fake caller ID information.
Beware of texts or emails that ask you to take immediate action like changing your email address or password – The fraudsters’ goal is to get you to enter personal information.
Pay attention to collection calls – If you’re receiving collection calls for debts you don’t owe, this can indicate identity theft. Report any fraud to credit bureaus.
Be suspicious of texts or calls about payment apps – Use payment apps to pay friends and family only.
Register with the National Do Not Call Registry – You can register both your home and mobile numbers by calling 888-382-1222.

Don’t ignore address change notifications – If you receive a notice and you did not change your address, call Truist immediately.
Notify Truist if you don’t receive your bills or statements – Notify us to make sure the address has not been changed or your bill has not been stolen from the mail.
Check your mail daily – If you notice a sudden and persistent drop in the amount of mail you normally receive, check with the post office to find out if someone has instructed them of an address change.
Preview your mail – Consider enrolling in Informed Delivery, a free service from USPS that lets you preview your mail digitally and manage any packages that are scheduled to arrive. For more information on how to enroll, visit informeddelivery.usps.com.
Lock your mail – Use a mailbox that locks to prevent mail theft, and place outgoing mail in a U.S. Postal Service box.
Carry only what you absolutely must – Keep extra credit cards, checks, Social Security cards, important documents, birth certificates, or passports secured at home or in a safe deposit box.
Shred sensitive documents – Invest in a micro-shredder and shred documents before throwing them away.
Go paperless and sign up for direct deposit – By receiving your statements and paychecks digitally, you can help reduce your risk of mail fraud and check fraud.^{Disclosure 4}

Safeguard your Personal Identification Number (PIN) – Don’t use obvious PINs like your birthday, address, or other personal information. Memorize your PINs. Don’t share them with anyone, and don’t write them down.
Protect your card number – Never send your card number by email.
Use chip technology where available – It helps reduce fraud by making it more difficult to duplicate the card or make purchases without authorization. When you use your card with chip technology, you may be prompted to enter your PIN for credit card purchases.
Only shop on secure websites – Spelling or grammatical errors indicate that the site may not be legitimate. Be aware that even websites with https:// and padlock can be phishing sites.
Report a lost or stolen card immediately.
Don’t use an ATM if the machine looks like it has been tampered with in any way – Fraudsters can use information captured from ATMs to create counterfeit cards. Scanning devices known as “skimmers” can be placed on top or inside of an ATM’s real card scanner to copy card numbers, and wireless video cameras may be used to record people entering their PINs.
Ensure your physical safety – Don’t count your money at an ATM, and avoid using an ATM alone at night—but if you must, be sure the area is well lit. Fill out any forms before you walk up to the ATM. When using a drive-up ATM, keep your car running, doors locked, and windows up.
Remember to take your card from the ATM before leaving.

Keep your Social Security number (SSN) under wraps – Do not print or write down your SSN on any document that could fall into the hands of identity thieves, like checks. Ask why someone needs your SSN if they are not running a credit check on you.
Read your credit report regularly – Make sure it’s accurate, and if you spot an inaccuracy, follow up. Check reports from Experian, Equifax, and Transunion.
Sign up for a credit monitoring service.
Look for mistakes – In some cases, a typo or an incorrect address on your report may be a simple oversight. But sometimes it could indicate that an identity theft event has occurred.
Make sure you recognize new lines of credit – Identity thieves may open a new credit card account or take out loans. Anything you don’t recognize can indicate identity theft.
Scan for new names – Your credit report will reflect all the names you have used when applying for credit. But a completely different name on your report may indicate identify theft.
Be aware of sudden score drops or delinquent accounts – A credit check isn’t required for a criminal to use your identity to pay for medical expenses, apply for a pay day loan, etc. Then, when the criminal doesn’t pay the bill, the account may end up in collections and appear as a delinquent account on your credit report and impact your credit score.

If you own a business, establish an online fraud awareness program for your company – Businesses of all sizes should establish these programs and conduct regular risk assessments.
When possible, use dedicated computers or mobile devices for your online banking needs – Protect wires and payments by using trusted devices separate from those used for social networking or general web browsing.
Use, and routinely review, user entitlements and payment limits.
Review your accounts daily – Identify irregularities before they become serious problems.
Use alerts to keep tabs on account activity – Get notified when specific events occur—such as when ACH wire transfers are made or when changes are made to user entitlements.^{Disclosure 3}
Exercise sound password management – Use a different password for each website; regularly change your passwords; and avoid sharing passwords or storing them on your computer.
Identify gaps in your internal security controls – Address any known gaps immediately.

Security is a team effort.

Know your role and ours

We’re proactively working on your behalf.

See what we’re doing

Know what to watch out for.

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Let’s fight fraud together.

Learn more about who’s responsible for what when it comes to keeping your accounts secure.

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