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We use a multi-layered strategy of technology and dedicated teams to help protect you and your finances from fraud and other security threats.
In the event of fraud, federal laws and industry practices may limit your losses—depending on the type of card.
Under federal law, your liability for unauthorized use of your credit card is capped at $50. Truist will not hold clients liable for any unauthorized use.
Additionally, credit card losses are typically covered by the card issuer's Zero Liability1 policies.
You may have no liability for unauthorized debit card purchases, subject to terms and conditions. See the Zero Liability Policy for Consumer Debit Card Purchases for additional details2
If your card is used to make an unauthorized transaction, Truist will not hold clients liable except in certain cases. See Zero Liability for Business Debit Card Purchases for additional details.3
Cards that employers use to pay their employees are covered under the same laws governing debit cards.
Reloadable cards aren't protected under federal law but may have similar protections included by the issuer.
Prepaid gift cards are treated like cash and aren't subject to federal liability regulation. If lost or stolen, you might lose the entire value of the card.