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Fraud Protection

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We can fight fraud – together

We can fight fraud – together

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 alertsadatext, 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:

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.

Start the new year off right - help protect yourself from fraud and scams

1. Check your Security Level with our new security meter that provides a visual representation of your account security, and shows recommended additional steps you can take to further secure your accounts.

2. Review the fraud prevention checklist.

3. Know the red flags that signal scams:

  • Don't be pressured to respond right away, even if you're threatened with law enforcement action.
  • Don't trust caller ID or answer phone calls from unknown numbers. You may recognize the ID, but phone numbers can be easily spoofed to appear to be from a legitimate caller. If you're suspicious, hang up.
  • Never provide any personally identifiable information (such as Social Security number or date of birth) unless you're absolutely certain the person asking for the information and the reason for the request are legitimate.

Consider writing fewer checks to help keep your account information secure

Check fraud occurs when a criminal obtains money illegally using stolen checks or check information. Scammers often target the mail to steal checks and other personal or financial information with the intent to commit fraud and identity theft. If you lose a check or if your check is stolen, your personal information is exposed and your account information can fall into the wrong hands. Don't let this happen to you.

Here are some things you can do to help protect against the risks of check fraud:

  • Discover additional ways you can send money by using our trusted online payment methods, such as Bill Pay or Zelle®.adatext

  • Set up direct deposit or deposit checks using our Mobile Banking app.adatext

  • Do not store any check images on your mobile device, and delete any pictures of your checks immediately after making a mobile deposit. Remember to secure the paper check after deposit and shred the paper check once the mobile deposit posts to your account.

  • Send checks through certified mail (particularly high-value checks), a secured mailbox or directly within the Post Office. Make sure you confirm receipt with the intended check recipient.

  • Review your account activity and bank statements frequently, and notify us immediately if you spot any unusual activity. Refer to the Deposit Agreement for more information.

  • Treat your checkbooks like cash and always store them in a safe place.

  • Shred unwanted bank statements, canceled checks and credit card application.

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