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Account monitoringWe’ll keep an eye on your account activity and will contact you if we suspect that a transaction might be fraudulent. Remember, it's a good practice to review and update your contact information with your bank annually. Contact us if you think you’ve been the victim of fraud by calling 1-800-823-2265 (TTY 1-800-343-6145), or going to a branch.
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Chip technologyWhen using your card at a chip-enabled terminal, the embedded chip in your card generates a unique code for your transaction that can’t be used again. This better protects your card number and personal information, making it more difficult for fraudsters to get and use.
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Zero fraud liabilityIf your card is compromised, we’ve got you covered with zero fraud liability. This means you won’t be held responsible for fraudulent charges made with your card. Zero fraud liability coverage for personal accounts and small business accounts.
Steps to protect your account
You probably make financial transactions every day, but do you know how to protect those transactions from consumer fraud and identity theft? Here are some helpful tips for protecting yourself from common swindles and fraudsters.
Monitor your accounts frequently- Sign up for account alerts through digital banking
- Enroll in online statements to protect your information from theft
- Use the mobile app with quick glance feature for one-click access to balances and recent transactions
- Review credit reports and look for unauthorized accounts or activity
- Don’t share your account or personal information with anyone who contacts you. If a call seems suspicious, or you don’t recognize the number, tell them you’ll call the bank directly using the main number on the back of your TCF card
- Never click on links from texts, emails, or calendar invites if you’re not 100% sure who the sender is
- Never share your PIN verbally, written on your card or in writing
- Enroll your debit card to mobile payments, such as Apple Pay®, Google Pay™, or Samsung Pay to make secure purchases online, in apps, and at your favorite stores. When you use these options, your debit card is never shared with the merchant.
Additional steps to protect your identity
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Protect yourself from scams
Remember, the IRS will never call threatening to arrest you or suspend your social security number. If this occurs, do not give them any information and hang up immediately. Similarly, banks will never ask for sensitive account information via email, text, or social media. If you receive this type of message, you should promptly report it to your financial institution using a customer service number from the back of your debit card or from the bank’s official website.
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Protect sensitive documents
Always keep financial documents locked and secure. Shred receipts, credit card offers, cleared checks, bank statements, and utility bills; basically, anything that has your personal information on it. Be sure to dispose of computers and electronic devices only after they are completely wiped clean of personal information.
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Use strong passwords
When using your computer or mobile device, protect your online information by encrypting data and using secure browsers. Use strong passwords that aren’t easy-to-guess containing a complex combination of letters, numbers, and symbols. Don’t write down passwords or share them with others. Change passwords frequently. Do not use your financial account passwords for email or other online subscriptions.
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File taxes as early as possible
Once you have the necessary documentation, file your taxes as early as possible. This prevents identity thieves from using your social security number to file a fraudulent return in your name.
Additional resources
- Learn more about protecting yourself from fraud and identity theft with our helpful online lesson
- Explore tips for keeping your personal information secure from the Federal Trade Commission
- Visit annualcreditreport.com to check your credit report for free
- Visit IdentityTheft.gov if you believe your identity has been stolen