Protect your wallet from debit and credit card fraud
Debit and credit card fraud happens when a fraudster uses stolen card information and PINs to make unauthorized transactions. Learn how to keep your debit and credit cards safe by knowing how information can be stolen and what you can do to protect yourself.
Be vigilant when you use your debit and credit card at ATMs and point-of-sale terminals and know where they are at all times.
Familiarize yourself with our fraud alerts, account alerts and card locking feature to learn how you can help protect your accounts.
Keep your card information and PIN to yourself. Don't share or write down any details and only deal with trusted vendors and merchants.
Recognize the types of card fraud
Skimming and cloning
Skimming devices can be illegally attached to ATMs and point-of-sale terminals to copy debit and credit card numbers when you swipe or insert your card. Fraudsters also use hidden cameras to capture PINs.
Card not present (CNP)
Fraudsters may attempt to make fraudulent purchases over the phone, online or by mail using stolen card numbers and PINs. Many online merchants ask for the 3-digit CVV (card verification value or card security code) number to confirm authenticity.
Lost or stolen card
Fraudsters can make unauthorized transactions on your missing debit and credit card. It's important to report a lost or stolen card right away so we can help prevent unauthorized use.
Fraudsters can use your card to make transactions without your knowledge. They can use stolen debit and credit cards or information, or get new credit cards by applying with stolen personal information.
Understand the safeguards behind fraud prevention
Learn how the technology we invest in and the self-serve features we offer can help protect your debit and credit cards from fraud.
We regularly monitor your accounts to verify typical debit and credit card activity. If we detect a transaction or activity that's unusual, we'll let you know by text, email or phone and ask you to confirm the transaction. Make sure you update your contact information in online banking so you can receive fraud alerts through text, email or phone call.
Use alerts to track transactions and new activity on your account, such as password changes and new Interac e-Transfer® contacts. Customize your alerts and manage them anytime through online and mobile banking. If you're alerted about a transaction or account change you didn't make, let us know.
If you've lost your credit card or suspect it's been stolen, you can lock your card through online and mobile banking to prevent further use. If you recover your card, you can unlock it and continue using it. If you can't recover your card, give us a call and we'll cancel the existing card and send you a new one.
Cards with chip technology use an embedded microchip to encrypt information, making it more difficult for unauthorized users to copy or access the data. Chip technology is widely used by businesses around the world. To use the chip reader, insert your card instead of swiping it when making transactions.
Follow our best practices to protect yourself
Keep your PIN safe. Don't write down your PIN or share it with anyone. Cover the keypad with your hand when entering your PIN at an ATM or point-of-sale terminal.
Make your PIN unique and difficult to guess. Don't include information that's obvious or confidential, such as birthdates, phone numbers, addresses or your SIN.
Keep your card within sight at all times. Remember to take your card and transaction record with you once you complete your transaction.
If your card has a place for your signature, sign the back of a new or replacement card as soon as you receive it. Cut up or shred your old card.
Report stolen and lost debit and credit cards to us right away. For credit cards, you can also lock them through online or mobile banking to prevent further use.
Our promise for your money
If you've been affected by fraud and have met your responsibilities to keep your accounts safe, we'll help you get your money back. To learn more about the security guidelines for your accounts, review our Digital Banking Guarantee.
Notice anything suspicious? Let us know
Contact us immediately if you received a suspicious email or notice any unauthorized activity on your account.
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