We start with your card
Your chip-enabled TCF® debit card is encrypted and has multilayer authentication, giving your account extra security. When you use your card at a chip-enabled payment terminal, the embedded chip generates a unique code for your transaction that can’t be used again. This provides better protection of your card number and personal information, making it more difficult for fraudsters to get and use.
You can lock your debit card if it’s lost
Instantly lock your lost debit card to prevent new charges, right from the mobile app. Log into digital banking or the mobile app, select My debit cards and move your setting to locked. Easily unlock your card when you find it by moving your setting back to unlocked. Once your debit card is locked, new transactions made at ATMs, in store, online, by mobile payment or by phone will be declined.
Your phone adds security
You can use mobile wallet, 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 number is never shared with the merchant.
We keep an eye on your activity
As an added level of security, we monitor your account activity. If we suspect that a transaction might be fraudulent, we’ll contact you by phone or email, or we’ll text you if you’re enrolled in digital banking and have given us your mobile phone number. If you want to receive alerts about suspected fraud, please keep your email address and phone number updated, which you can do in digital banking under settings. We will decline transactions we believe to be fraudulent.
If your card is compromised, we’ve got you covered with zero fraud liability:
There are lots of ways you can work to keep your account even more secure.
Learn more about identity theft protection.