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Protect yourself against fraud
While we make every effort to secure your personal information, there's plenty you can do to avoid falling prey to fraud and identity theft. Through awareness and good online habits, you can spot scam attempts and significantly reduce your risk before it happens.
Fraud can target anyone: Protect yourself
Fraud can target anyone: Protect yourself.
Regardless of what age or life stage you’re in, you can be sure to encounter scams. Our tips and tricks below help you become fluent in common types of fraud specifically targeted to you.
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Anyone
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Youth & Students
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Newcomers to Canada
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Seniors
Unexpected messages, calls, or requests?
Always be on high alert when you receive unsolicited communication of any kind. Especially when pressured to act quickly, something seems too good to be true or when receiving threats.
There are many ways to both recognize and protect yourself against fraud.
Be aware of what you share online.
Personal or financial information such as your birthdate, home address, driver’s license or vacation details. Fraudsters can use the information you share to commit identity theft or scam you and your loved ones.
Be careful of suspicious scholarship grant and student loan forgiveness scams, surveys or contests asking for personal information, online products and services sold for a fraction of their retail price, fee-based skill or talent contests, and more.
Protect yourself against fraud
Explore some of the ways in which you can keep yourself safe from frauds and scams.
New to Canada?
Scammers often impersonate government agencies to try and steal your personal information and money. They commonly use pressure and intimidation – threatening you with seized funds, arrests and deportation.
Remember to use caution with visa or permanent residence offers. IRCC (Immigration, Refugees and Citizenship Canada) employees will never offer special deals. Their processing fees are identical for Canada and around the world.
Always be on alert
Any caller asking for personal information over the phone, or demanding action in a very short timeframe, should make you suspicious.
The Canadian Revenue Agency (CRA) will never use text messages or emails to ask you for any personal or banking information. Or, to make urgent payments by e-transfers, gift cards or cryptocurrency.
Seniors are often targeted in fake emergency scams.
Always be cautious of scammers pretending to be your family or loved one to get you to send them money. Never send money to anyone without verifying their identity and validity of the request.
Scammers can spoof Caller IDs and appear as anyone they like. They can also use voice cloning technology to mimic anyone. Hang up and call the person asking for money on their known number from your contacts.
When in doubt, ignore, hang up and delete
If something seems out of the ordinary or too good to be true, it probably is. Scammers often make you feel rushed, pressured or afraid. Explore the common types of fraud that are typically aimed at seniors.
Frequently asked questions
Scammers may pretend to be your bank so they can make fraudulent transactions on your account. They might ask you for personal or financial information (like your bank account number or password) or try to get you to help them with a “secret investigation”.
How can you tell it’s a scam? Often by what they ask you to do. TD Bank will never ask you to:
- Give personal or account information by phone.
- Let us remotely access your computer.
- Move money out of your account and into someone else’s account or “keep a secret”, as part of an investigation.
- Buy gift cards.
If you’re asked to do any of these things, don’t go along with them. It’s a scammer, not TD.
TD won’t ask you to give personal or financial information (like your bank account number or EasyWeb login password) over the phone. If that happens, hang up and call us at:
- TD Bank: 1-866-222-3456
- TD Direct Investing: 1-800-465-5463
- TD Insurance: 1-877-397-4187
- Web Business Banking Support: 1-800-668-7328
You can also chat with us through EasyWeb or the TD app, or at a TD branch.
Shopping online is easy, convenient and, most of the time, safe. You should always be cautious when you’re asked for information by an online store or company, especially if you don’t know them or haven’t bought from them before. Remember:
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If a deal sounds too good to be true, it probably is.
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Shop with well-known, familiar stores. If you want to buy something from an online store you don’t know, research the company or store before you buy.
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Be cautious about how you pay for your purchase: the safest way is with a credit card or debit card through a secure site.
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Don’t make purchases through a pop-up page: go directly to the retailer’s secure website.
Don’t click the link in a suspicious text or email. To report online fraud (i.e., phishing emails, fraudulent text messages, etc.), send an email to phishing@td.com. Attach copies of suspicious emails, text messages and suspicious links or URLs.
If you don’t recognize a transaction (like a purchase, withdrawal, or debit) on your TD statement, call TD Bank at:
- TD Bank: 1-866-222-3456
- TD Direct Investing: 1-800-465-5463
- TD Insurance: 1-877-397-4187
- Web Business Banking Support: 1-800-668-7328
You can also chat with us through EasyWeb and the TD app, or at a TD branch.
Yes, for extra security, you can use these features and tools:
- Two-Step Verification: When you turn on this feature, we’ll confirm it’s you by sending a text message to your phone.
- Biometric ID: Set up the TD app on your phone to recognize you by your face, fingerprint or eye scan.
- Autodeposit: Money you receive with Interac e-Transfer® can be conveniently and securely deposited into your account.