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Fraud Protection

Report Suspicious Activity

We can fight fraud – together

We can fight
fraud – together

We can
fraud –

We can
fraud –

Your security is our top priority

We're consistently working to keep your accounts and information secure.

Here are some of the ways we protect you:

  • Keeping your personal and financial information protected and secure through responsible information collection and processing.
  • Protecting against threats with an award-winning cybersecurity team that delivers comprehensive security round-the-clock.
  • 24/7, real-time monitoring for suspicious account activity.
  • Alerting you to potential fraud through the mobile app, text alerts, email or phone.

Fraud prevention tip: Do not provide access codes, personal and financial information via email, text or to unsolicited callers. Bank of America will never call you to ask you for this information. If you receive an email or text from Bank of America and you're unsure if it's real, don't click on any links.

Know fraud when you see it

Here are some common scenarios that can help you spot fraud:

> You've noticed unauthorized or unusual activity on your account

The first thing to look for: Any unauthorized transaction on your account statements or in your transaction history. Regularly monitor your transaction history and set up account alerts that help you monitor your finances and keep your account safe. What to do if you see a suspicious transaction.

Other signs of fraud include: Being denied credit unexpectedly, receiving credit cards you never applied for or receiving calls from collection agencies seeking payment for items you never purchased.

The best ways to avoid account fraud include following these steps you can take now to increase your security.

> You've received a suspicious email

The first thing to look for: Fraudulent emails typically imply urgency, attempting to get you to act quickly before you have time to carefully read and examine the message. They often don't address you by name and contain obvious grammar and/or spelling errors. See an example of a fraudulent email layer.

Other signs of email fraud: If you hover over a link in a fraudulent email (don't click it), it will usually show you that it's pointing to a site different from the one stated in the message. The goal is to get you to click through to a web page where you'll be asked to provide personal information or open an attachment that may be malicious. Immediately forward any suspicious email that uses Bank of America's name to and then delete it. (Please note, we will only reply to your message if we require additional information). What to do if you receive a suspicious email.

The best way to avoid email fraud is to remain vigilant. Never click on a link in an email unless you are absolutely certain who sent the email and where the link is taking you. Remember: We will never use email to ask you for personal information such as your account number, card PIN, Social Security number or Tax ID number. See how to spot email scams.

> You've received a suspicious text

The first thing to look for: As with fraudulent emails, fraudulent text messages often suggest urgent action, attempting to get you to act quickly before you have time to carefully read and examine the message. They often don't address you by name and contain obvious grammar and/or spelling errors.

Other signs of text message fraud include: Promises of free gifts in exchange for your personal or bank account information. Never click a link in a suspicious text message: It could result in malware being loaded to your phone that sends your personal information to a scammer. Visit the FTC page about text message spam layer.

If you receive a fraudulent text message do not respond to it or click any link in it.

Example of fraudulent email

To help protect your info, please be on the alert for emails that look suspicious. Here are some signs that an email may be fraudulent:

Unusual content, including poor spelling and grammar or words spelled in UK-style English

...our fraud programme detected unusual activity on your Bank of America account.

Urgent call to action

If you do not respond to the link above immediately...
Example of fraudulent email

Review our Fraud Prevention Checklist to see actions you can take now to help protect yourself against fraud.

It's now easier than ever to connect and multitask from almost anywhere. Here are some tips to help you stay safe while on the go:

  • Disable remote and automatic connection to Wi-fi and Bluetooth on your devices. Use Bluetooth in hidden mode instead of discoverable mode.

  • Avoid public or unsecured Wi-fi networks whenever possible, especially in airports, hotels and cafes. Never use such networks to access financial accounts. Instead, use a network you trust or your cellular network.

  • If you have to use a public charging station, use a power charger outlet, not just the USB connection (USB connections are how scammers access and upload malware to your device). You can also use a cable that's just for power and doesn't allow data transfer.

Together, we have the power to fight fraud!

Knowledge is a powerful defense against fraud and we’re here to help you stay informed. Want to learn more? Here are additional resources we think you may find helpful and may want to explore.

Additional things you need to know about fraud

Business email compromise is a growing threat

Business email addresses are a high-value target for fraudsters.

Visit the FBI page about business email compromise layer
See how to protect your business accounts

Data breaches sometimes happen

But we can work together to significantly minimize your risk.

What to expect when a merchant compromise occurs

Secure your smartphone

A lost or stolen smartphone can be an identity theft nightmare.

See how to secure your smartphone

Knowledge is power

Additional resources you may want to explore include: Better Money Habits, Stay Safe Online layer and the Identity Theft Resource Center layer