Please re-enter your information, making sure that your current Password is entered correctly and your new Password is different from your old Password. You also need to make sure your new Password follows the security conditions noted below."},"E40705":{"title":"We can't process your request","message":"Please create an Password between 8-20 characters in length."},"E40706":{"title":"","message":"Please enter a new Password to continue."},"E40707":{"title":"We're sorry, your information can't be processed: ","message":"You've exceeded the maximum number of attempts allowed by our system Please try again later."},"E40708":{"title":"We can't process your request:","message":"Your Password must be different from your User ID."},"E22123":{"title":"Unable to validate your information","message":"Please call us at 866.376.4584."},"CMXMISSINGFIELD":{"title":"","message":"One or more mandatory parameters missing."},"DAO_ERROR":{"title":"","message":"Exception got from DAO while processing of the Service."},"INVALID_STX_CONTACT":{"title":"Invalid mobile number","message":"You have already registered this mobile number. Please try again with a different number."}},"jcr":"copy/site/secure-ah-security-center/module-specific/en/sign-in-settings-create-id-passcode-error-data.json"},"content":{"icons":{"xmark":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-invalid-red-CSXa748f628.svg","xmarkGray":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-login-common-Xmark@2x-gray-CSX98b2f672.png","checkmark":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-checkmark-green-CSX8ec9fb61.svg","visa":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-login-common-com_cvv1@2x-CSXec3bc565.png","amex":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-login-common-com_cvv2@2x-CSX5f638a68.png"},"text":{"title":"Security Center","subtitle":"Security is a shared responsibility. We’ve assembled these tools and resources ","subtitle1":"to help you easily manage your security preferences. ","howToProtect":"See how we protect you","protect":"How we protect you","reportActivity":"Report suspicious activity","text1":"User ID","text2":"Password","text2_helpText":"Last changed","text3":"Digital ID","text3_helpText":"Use face or fingerprint ID on your mobile device to authenticate in Online Banking","text4":"Extra Security at log in","text4_helpText":"This is on, so we'll verify it's you every time you log in","text4_helpText_off":"Receive a one-time authorization code by text or email every time you log in","text5":"Remember this device","text5_helpTextPre":"This is off, so you'll be asked to confirm it's you every time","text5_helpTextPre_ON":"This is on, so your device will be remembered; for new devices, you'll be asked to confirm it's you","text6":"You have","text7":"Saved User ID","text8":"Saved User IDs","text9":"List Of User IDs","text10":"You have no saved User IDs","turnOn":"Turn on","turnOff":"Turn off","remove":"Delete","text11":"Are you sure you want to remove this User ID?","text12_mtg_remove":"Are you sure you want to delete mobile tokens on","text13_yes":"YES","text14_no":"NO","text15_change":"Change","text16_hello":"Windows Hello","text16_helpText":"Use Windows Hello to log in to Online Banking","activatedLabel":"Activated for","updateDevice":"Update device","delete_mtg_success":"Mobile tokens have been deleted on"},"authentication":{"title":"Two-Factor authentication","title1_helpText":"In addition to your account credentials, two-factor authentication helps keep your accounts secure by proving it's really you logging in or making transactions","text1":"Mobile Token","text1_helpText":"Generate a token in your mobile app whenever additional verification is needed for Online Banking","text2":"One-Time Authorization Code","text2_helpText":"This is always on, so if we need to know it's really you, we'll send you a one-time code by text or email. Make sure your","text3_helpText_OTAC":"contact info","text4_helpText_OTAC":"is current","mtgText1":"","mtgText3":"registered Device(s)","mtgEnrolledText":"ON","pending_helpText":"Waiting on device registration","mtgUnEnrolledText":"OFF","mtgPendingText":"Pending","text5":"Security keys","text6_helpText":"Use a security key in your USB port to log in ","text7_helpText_1":"You have ","text7_helpText_2":"saved key(s)","addKey":"Add a Key"},"changeOIDModalLayer":{"id":"LayerChangeOID","title":"Change your User ID","content":{"text1":"
Choose an User ID that's easy to remember and don't share it with anyone. For your security, don't use your Social Security number, account number, card number, birthday or Password.
","text2":"
If you change your User ID you'll need to setup Touch ID/fingerprint again for our app on all devices that use it.
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Your Password must be different from your User ID and different from your previous five Passwords.
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","text3":"Select the ","text4":"Save User ID ","text5":"checkbox to save your User ID and use Windows Hello.","SaveOnlineIDImage":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-Windows-Hello-Online-ID-CSXd60f7b78.png"},"options":{"type":"modal","width":680},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayersaveOnlineIDTrigger"}},"actionType":{"type":"layer","options":{"rel":"LayersaveOnlineID"}}},"mtgRegLayer":{"id":"LayerMtgReg","title":"Enable Mobile tokens","options":{"type":"modal"},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayerMtgRegTrigger"},"actionType":{"type":"layer","options":{"rel":"LayerMtgReg","height":600}}},"mtgmodalcontent":{"text1":"Turn off","text2":"Log into your mobile device now. 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We’ll send a notification to your mobile app, to verify it’s really you.","srcCheckImage":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-DI-iPhone-XS-Portrait-Space-Gray@2x-CSXe5974507.png"}},"u2fDeRegLayer":{"id":"Layeru2fDeReg","title":"","options":{"type":"modal"},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"Layeru2fDeRegTrigger"},"actionType":{"type":"layer","options":{"rel":"Layeru2fDeReg"}}},"turnOffKeysYes":{"content":"Yes","modifiers":"primary medium","attributes":{"id":"turnOffKeysYes"}},"turnOffKeysNo":{"content":"No","modifiers":"primary medium","attributes":{"id":"turnOffKeysNo"}},"u2fmodalcontent":{"text1":"Turning Off Security Keys","text2":"Do you want to turn off your security keys? Turning off will delete all the saved keys."},"u2fmgmtLoader":{"loadingMessage":"The data is taking some time to load.","cancelDisabled":true,"retryDisabled":true}},"twoFactorLayer":{"id":"LayertwoFactor","title":"Two-factor authentication","content":{"text1":"Two-factor authentication is a way of verifying your identity that requires you to provide an additional piece of information beyond your User ID and Password.","text2":"The additional information is typically a one-time time-sensitive six-digit code sent to you via text message or email. This extra layer of authentication helps protect you in the event your User ID and/or Password are compromised.","text3":"We use two-factor authentication to verify your identity at various points in your Online Banking experience. In addition to logging in, this might include making a transfer, adding a new Bill Pay payee or logging in using an unrecognized device."},"options":{"type":"modal","width":680},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayertwoFactor"},"actionType":{"type":"layer","options":{"rel":"LayertwoFactor"}}}},"newScamAlertLayer":{"id":"LayernewScamAlert","title":" ","content":{},"options":{"type":"modal","width":680},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayernewScamAlert"},"actionType":{"type":"layer","options":{"rel":"LayernewScamAlert"}}}},"reviewScamInfoLayer":{"id":"LayerReviewScamInfo","title":"Review five red flags that signal a scam","options":{"type":"modal","foot":{"config":{"layout":"stack","stackOnDesktop":true,"stackOnTablet":true,"stackOnMobile":true,"stickyOverFooter":true}}},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayerReviewScamInfo"},"actionType":{"type":"layer","options":{"rel":"LayerReviewScamInfo"}}},"reviewScamInfoLayerContent":{"text1":"The most common scams will target you through fake emails, text messages, voice calls, letters or even someone who unexpectedly shows up at your front door.","text2":"Review all five scenarios for important red flags that could signal a scam.","doneBtn":"Done","watchFor":"Watch for","scammersWill":"Scammers will","remember":"Remember","never":"Never click a link or download an attachment","flagIcon":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-icon-flag-red-CSX2a1968a6.svg","carouselItem1":{"heading":"The communication plays with your emotions and pressures you to act immediately","p1":"An alarming phone call, email or text. Someone is indicating there’s a problem with your account, an issue with a delivery, an emergency with a loved one or product scarcity.","p2":"Scammers use emotional triggers, like love, compassion, exhilaration or fear, to trick you into taking action. Do not act unless you have verified the person who has contacted you and the story or request is legitimate.","li_1":"Pretend to be a loved one who needs help","li_2":"Pose as an employee from a familiar organization and say there’s a problem that needs immediate attention","li_3":"Disguise themselves as a friend or love interest, even though they’ve never met you","li_4":"Claim to need money for emergencies, account problems, bills or travel","li_5":"Insist you keep quiet about the situation","li_6":"Tell you to not trust Bank of America or insist you respond to questions untruthfully."},"carouselItem2":{"heading":"You're asked for personal information","p1":"An unexpected phone call, email, text, direct message or pop-up with a request for personal information. This may be an account verification code, bank account number, PIN or social security number.","p2":"When in doubt, don’t give it out. Never share account verification codes or personal information unless you’ve contacted the company through a verified method. Never provide strangers remote access to your computer.","p3":"Bank of America will never text, email or call you asking for an authorization code. If someone reaches out and asks for it, it’s a scam.","li_1":"Contact you out of the blue","li_2":"Ask you to click links or open attachments to confirm your identity","li_3":"Coach you through steps to complete an action, like changing your password","li_4":"Use pop-ups on your computer or mobile device that ask you to allow software to run","li_5":"Provide a callback number or tell you to trust Caller ID when you question them","li_6":"Break into your mailbox to steal mail, especially checks","li_7":"Take you to a website that looks legitimate and asks for your login information"},"carouselItem3":{"heading":"You’re contacted unexpectedly","p1":"A phone call, email, text, direct message or pop-up with a request for personal information or money.","li_1":"Contact you out of the blue and claim there's an issue that needs immediate attention, such as fraud on your account.","li_2":"Imitate bank phone numbers and text messages to try to gain your trust.","li_3":"Tell you to ignore or bypass scam warnings and alerts.","li_4":"Ask for a favor, personal details, remote access to your devices or money.","li_5":"Try to confirm your identity with a verification code they send you – even though they called you.","li_6":"Insist you download apps or click links to “fix” issues or confirm information.","p2":"Scammers use convincing stories. They can use fake email addresses and Caller ID information – don’t trust them.","p31":"Make sure you have verified the person who has contacted you before acting on any request.","p32":" from someone you don’t know.","p4":"Bank of America will never text, email or call you asking for personal or account information. If someone reaches out and asks for it, it’s a scam."},"carouselItem4":{"heading":"You’re asked to pay in an unusual way","p1":"A request for money. You may be directed to the nearest post office or a wire transfer service. Or, asked for bank transfers, pre-loaded debit cards, gift cards or virtual currency such as Bitcoin. They may send you a check and ask you to deposit it and use the deposited funds to do transactions.","li_1":"Pressure you to pay with prepaid debit or gift card codes, wires, bank transfers or digital currency","li_2":"Send you a check for more than what is owed and tell you give the extra to someone else","li_3":"Have a reason for why you can’t keep all the money","p2":"Many of these forms of payments are like cash and nearly impossible to trace or get back. Be wary when someone says you have to pay in unusual ways. Always verify who you’re sending money to before you send it. Bank of America will never ask you to transfer money to anyone, including yourself, and we will never ask you to transfer money because we detected fraud on your account.","p3":"By law, banks must make deposited funds available quickly. The bank may make funds available, but that does not mean the check has cleared the paying bank or may not be returned unpaid as fraudulent at a later date. By the time the check is discovered to be fraudulent, the scammer has the money you sent and you may owe money to the bank for that check."},"carouselItem5":{"heading":"It seems too good to be true","p1":"An offer for free products or a ‘get rich quick’ opportunity. Or a claim you won a contest you didn’t enter.","li_1":"Dangle bait such as a prize, money, shopping spree or products for difficult-to-cure conditions","li_2":"Guarantee success or promise unusually high returns","li_3":"Offer to pay full price, shipping or other costs","li_4":"Ask you to deposit a check and use all or part of the money to buy things or send to someone else","li_5":"Insist you pay a small fee in return for something","li_6":"Not let you enter a rental property before paying a deposit","p2":"If something sounds too good to be true, it likely is. Beware of deeply discounted prices, offers of free vacations, and winnings for a contest you never entered. Never cash a check for someone you don’t know."}}},"listOIDLayer":{"id":"LayerListOID","title":"Saved User IDs","content":{"text1":"Are you sure you want to clear this User ID? Note that if you clear this User ID, Windows Hello will be turned off. You can turn it back on after logging in with the other User ID.","text2":"You can save your User ID for faster login using this browser on your computer. If you clear your cache, your saved User IDs will be removed.","text3":"Are you sure you want to delete","text4":"Yes","text5":"No"},"options":{"type":"modal"},"savedOidAlertYesButton":{"content":"Yes","modifiers":"primary medium","attributes":{"id":"savedOidAlertYesButton"}},"savedOidAlertNoButton":{"content":"No","modifiers":"primary medium","attributes":{"id":"savedOidAlertNoButton"}},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayerListOIDTrigger"},"actionType":{"type":"layer","options":{"rel":"LayerListOID"}}}},"SecurityKeyLayer":{"id":"LayerSecurityKey","title":"Register your security key","content":{"text1":"Using a USB security key as part of your login process increases your online security.","text2":"Plug your security key into your computer's USB port.","text3":"If you have trouble completing your registration, refer to the instructions provided with your key.","text4":"Security keys vary by manufacturer. We recommend FIDO® certified keys. Refer to your key's instructions if you have trouble completing registration.","text5":"Step1","text6":"Step2","text7":"Security keys not used for six months will be removed from our system. All security keys must be renewed every three years or they will be deleted from our system.","securityKeyImage":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-security_key_icon_1x-CSX101d6f03.png"},"options":{"type":"modal"},"trigger":{"content":"Trigger Layer","modifiers":"primary medium","attributes":{"id":"LayerSecurityKeyTrigger"},"actionType":{"type":"layer","options":{"rel":"LayerSecurityKey"}}}},"SavedKeysLayer":{"id":"LayerSavedKeys","title":"USB Security Keys","content":{"action":"Action","deviceInfo":"Device Info","text1":"You may save up to 2 security keys. 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Once Windows Hello is enabled, you understand and agree that any biometrics/PIN stored on this device can be used to access your accounts in Online Banking.
Bank of America neither controls the functionality of Windows Hello nor has access to your biometrics/PIN.
If there are circumstances where Windows Hello will not function as expected, we may ask you to log in to Online Banking using your Password.
By choosing Accept, you agree to these terms and conditions.To cancel set up of Windows Hello for Online Banking, choose Decline.","text3":"To enable Windows Hello for log in, you're required to save your Online Banking User ID on this device. Once Windows Hello is enabled, you understand and agree that any biometrics/PIN stored on this device can be used to access your accounts in Online Banking.
Bank of America neither controls the functionality of Windows Hello nor has access to your biometrics/PIN.
If there are circumstances where Windows Hello will not function as expected, we may ask you to log in to Online Banking using your Password.
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Strengthen your PasswordYou're using a strong Password
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Enhance your browser loginYou've enhanced your browser login
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Download our Mobile Banking app
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Enhance your mobile app login
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Enhance your two-factor authentication
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Review your contact information
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Go paperless
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Set up alerts and notifications
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Set up online payments
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Review five red flags that signal a scam
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They try to trick you into giving up your confidential information by sending you a fake friend request on social media or by catching you unsuspectingly when you're doing routine things. This threat — which preys on human traits such as wanting to be helpful or trusting people we know — is called \"social engineering.\" ","socialMedia":"Social media","socialMedia_text1":"Be careful and be private when posting personal information on social media. Lock down your profiles. Anything you put on social media can be used against you.","downloadUpdates":"Download updates","downloadUpdates_text1":"Older, more vulnerable software can expose you to attack. Make sure your browser, apps and other software on your devices are all up to date. ","antiSoftware":"Antivirus software","antiSoftware_text1":"Invest in antivirus software and other cyber security software that can flag suspicious emails and sites. ","fallForBait":"Don't fall for the bait","fallForBait_text1":"If an offer sounds too good to be true, it probably is. If an email looks strange, look up the sender and call them (don't use the number they provide). ","unknownIndividual":"Never trust unknown individuals","unknownIndividual_text1":"Verify everything they claim. 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Keep your personal information secure.","personalInfo1":"Never give out your personal information via email, text or to an unsolicited caller.","personalInfo2":"Switch to paperless statements.","personalInfo3":"Shred any documents, such as tax forms, bank statements and medical bills that contain sensitive information.","personalInfo4":"Avoid carrying your Social Security Number in your wallet and give it out only when necessary.","personalInfo5":"Don’t overshare on social media, and use privacy controls so that personal information is not made public.","personalInfo6":"Discuss internet safety with your children, and prevent them from sharing information online without your permission.","protectDevices":"2. Protect your devices.","protectDevices1":"Keep all of your devices updated with the latest security patches and software.","protectDevices2":"Secure your devices and home Wi-Fi network with a unique password of at least eight characters.","protectDevices3":"Enable biometrics such as fingerprint sign-on, retina/facial recognition where available.","accessaccounts":"3. Control access to your accounts.","accessaccounts1":"Create a strong password for each of your accounts, and never reuse the same password on multiple websites.","accessaccounts2":"Use multifactor authentication to add an extra layer of protection when logging in to your accounts.","accessaccounts3":"Activate account alerts to help you monitor your finances and keep your accounts safe. ","accessaccounts4":"Make sure your phone number and email address are up to date on your financial accounts.","section3":"Act quickly if you become a victim of ID theft","subtext3":"Here are some important steps you can take right away if you believe your identity has been compromised:","text_1":"Here are some important steps you can take right away if your identity has been compromised:","text_2":"1. Contact your financial institutions and creditors.","text3":"Speak with the fraud department and explain that someone has stolen your identity.","text4":"2. Check your credit reports and place a fraud alert on your file.","text5":"Initiate a fraud alert by contacting one of the three credit bureaus (when you contact one credit bureau, the other two bureaus are notified automatically):","Esperian":"Experian: ","Esperian_helpText":"888-397-3742","TransUnion":"TransUnion: ","TransUnion_helpText":"800-680-7289","Equifax":"Equifax: ","Equifax_helpText":"888-766-0008","text9":"3. File an identity theft report and retain it for your records.","text10":"Complete a report online at the ","text10_1":"Federal Trade Commissions (FTC) identity theft website layer","text10_2":" and contact your local law enforcement to report the crime.","text11":"4. Protect your device against malware or malicious software.","text12":"Download and install security software that updates automatically from a reputable company you trust. Make sure to change your online login credentials, passwords and PINs.","text13":"5. Watch out for suspicious emails, phone calls or text messages asking you for your personal information.","text14":"Always verify that the communication is legitimate by calling the organization back through an official phone number."}},"identityTheftLargeImage":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-identity-theft-large.png"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"mobileSecurityPage":{"title":"10 Online and Mobile security tips","content":{"text":"As more people bank and shop online, proper internet security is more important than ever. Safeguarding your information can be as simple as consistently reviewing your bank accounts and reporting any suspicious activity. But there are a number of other things you can do to stay safer online. Here are ten tips to help protect you and your money.","strongPassword":"Use strong passwords.","strongPassword_text1":"A strong password (one that is not easily guessed by a human or computer) will have eight or more characters, including letters, numbers and symbols. Make sure to use different user IDs and passwords for your financial accounts and for any other sites you use online.","strongPassword_text2":" Check out our best tips for creating a strong password","strongPassword_period":".","mindfulNumbers":"Be mindful of the numbers you use.","mindfulNumbers_text1":"Don’t use any part of your Social Security number (or any other sensitive information, such as credit card numbers or birthdays) as a password, user ID or personal identification number (PIN). If someone gains access to this information, it may be among the first things used to try to get into your account.","strangeEmails":"Look out for strange emails.","strangeEmails_text1":"Don’t respond to emails that claim to be from your bank (or any other company) requesting your account details. No bank is ever likely to approach you this way to ask for personal information.","emailAttachment":"Beware email attachments.","emailAttachment_text1":"It’s never a good idea to click on email attachments or free software from unknown sources. You could end up exposing your computer (and the information on it) to online fraud and theft. Keep in mind that links you receive in emails or in messages on social networking sites can be harmful or fraudulent, even if they appear to come from friends.","shareOnline":"Watch how much you share online.","shareOnline_text1":"The more you post about yourself on social networking sites, the easier it might be for someone to use that information to access your accounts, steal your identity and more. Maximizing your privacy settings on social networking sites can also help protect your personal information.","carefulClick":"Be careful about what (and where) you click.","carefulClick_text1":"Look for security-enabled website addresses that start with “https” (the extra “s” indicates security). These sites take extra measures to help secure your information. This is particularly important if you’re making purchases using your credit card. If you receive requests for personal information while surfing the web, or calls for immediate action, these are almost always scams. If you suspect a link might give you a virus or steal personal data, don’t click on it. If the link was sent to you, talk to the sender directly to verify where it came from.","smartPhone":"Secure your smartphone.","smartPhone_text1":"Many mobile devices give you the option of locking your screen, which helps keep data stored on them secure. Depending on your phone, this can come in the form of a password, a pattern you draw on your phone’s touch screen or even your fingerprint.","sensitiveInfo":"Don’t keep sensitive information on your phone.","sensitiveInfo_text1":"Sensitive information includes your bank account numbers, identification information, passwords and other personal details such as answers to your security questions. If you bank via mobile app, don’t worry, as the information in our mobile app is secured.","downloadApps":"Think before you download apps.","downloadApps_text1":"It’s a good idea to review the privacy policy and understand what personal data an app can access before you download. It’s best to purchase or download apps from authorized stores.","techUpToDate":"Keep your technology up to date.","techUpToDate_text1":"Make sure to update your computer’s operating system, your internet browser and the software on your mobile devices. Updates generally include the latest security patches. Be sure to also use antivirus and antispyware software: These programs help find and remove malicious programs from your computer.","techUpToDate_text2":"By following these online and mobile security tips, you can help protect your personal information from falling into the wrong hands. If you suspect information related to your bank account has been compromised, contact your bank immediately for assistance addressing the issue."}},"mobileSecurityLargeImage":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-security-tips-large.png"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"creditReportPage":{"title":"Your credit report: What you need to know","content":{"text1":"Your credit report is a snapshot of your financial life. Anyone from potential employers to lenders could review it—and the information it contains determines your credit score. When you understand how to read your credit report and how to monitor it, you’ll be better equipped to handle your finances.","text2":"Your missed payments will show up here","text3":"The Three major credit bureaus-Experian, Equifax and TransUnion-collect information from public records and companies you do business with and use that information to create your report. The report has four sections:","personalInformation":"Personal information: ","personalInformation_text1":"your name, current and past addresses, Social Security number and date of birth.","creditHistory":"Credit history: ","creditHistory_text1":"all your open and closed credit accounts and your track record for repaying them.","publicRecords":"Public records: ","publicRecords_text1":"any public records related to your finances, such as property liens or bankruptcies. Any nonfinancial public records you may have, like speeding tickets, won’t be on here.","creditInquiries":"Credit inquiries: ","creditInquiries_text1":"everyone who’s checked your credit in the past 2 years—landlords, employers, lenders and more.","creditScore":"It’s not the same as your credit score","creditScore_text1":"Remember, your credit report is a history of your accounts and payments. Your credit score is separate, but related: It’s a number generated from the results of your credit report. Lenders use it to decide whether to lend to you and on what terms. Credit scores can range from as low as 250 to as high as 900, though some credit score providers may use a narrower range. For example, the most common FICO® credit score range is 300–850. The higher the number, the better your credit.","creditScore_text2":"Your credit report does not actually include your credit score, but it does inform it. You might be able to get your credit score for free from your financial institution or credit card issuer, or you may have to pay to get it.","mistakes":"Your credit report may contain mistakes","mistakes_text1":"Zero in on your credit history, especially the subsection called “adverse accounts.” It can show potentially negative items like a past-due credit account or a debt that was sent to collections, which can hurt your credit.","mistakes_text2":"You may find errors in this section that you’ll want to correct. It’s a good idea to reach out first to the creditor and then to the credit agencies themselves. If they’re unresponsive, report the problem to the ","mistakes_text5":"Consumer Financial Protection Bureau.","mistakes_text6":"If the error you find looks fraudulent—for example, you see a mortgage for a house you don’t own—","mistakes_text7":"act quickly","mistakes_text8":". Contact the credit bureaus and ask them to put a fraud alert on your account. You’ll also want to file a report with either the police or the ","mistakes_text9":"Federal Trade Commission ","mistakes_text10":"(FTC).","healthyReport":"A healthy credit report can get you a better deal","healthyReport_text1":"Good credit can set you up for other financial successes. For example, you may be more likely to receive a loan, or you may qualify for a lower interest rate, which can save you money in the long run. A clean credit report—and its positive effect on your credit score—can also make it easier to get rewards credit cards, which offer perks, like travel deals or cash back.","healthyReport_text2":"Ultimately, lenders can look at your credit report and credit score when deciding whether to lend you money, so paying attention to both is important.","free":"You can check it for free","free_text1":"Your credit report must be given to you free of charge once a year by each of the major credit bureaus if you ask for it. That’s three opportunities a year to make sure the information kept on you and your credit is accurate. (You’re also entitled to a free copy of your report if you ever apply for a credit card or loan and are declined.) To obtain a copy of your report, visit ","free_text2":"annualcreditreport.com ","free_text3":"or call 877.322.8228.","free_text4":"Now that you know how to read, and use, your credit report, you’re better prepared to manage your credit."}},"creditReportLargeImage":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-credit-report-large.png"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"scamsAndredFlagsPage":{"title":"Help protect yourself from the latest scams.","content":{"scams_text1":"Scammers use different tactics to get victims to fall for their schemes. In some cases, they can be friendly, sympathetic and seem willing to help. In others, they use fear tactics to persuade victims. Being vigilant is your first line of defense. Review the following types of scams and learn how better protect yourself.","redFlagsHeading":"Know the red flags","redFlagsText":"No matter which technique the scammers use, the red flags remain the same. You may be:","redFlagsBottomText":"If you authorize a transfer or send money to a scammer, there's often little we can do to help get your money back.","redFlagsListItems":["Contacted unexpectedly by phone, email, text, direct message or pop-up with a request for personal information or money. Never click a link or download an attachment from someone you don't know. Bank of America will never text, email or call you asking for personal or account information.","Pressured to act immediately with an alarming phone call, email or text that plays with your emotions. Scammers may pose as an employee from a familiar organization, such as Bank of America and say there's a problem that needs immediate attention. Do not act unless you have verified the person who has contacted you and the story or request is legitimate.","Asked to pay in an unusual way, like gift cards, bitcoin, prepaid debit cards or digital currency, including Zelle® to resolve fraud. Bank of America will never ask you to transfer money to anyone, including yourself and will never ask you to transfer money because we detected fraud on your account.","Asked to provide personal or account information, such as an account verification code, bank account number or PIN. When in doubt, don't give it out. Bank of America will never text, email or call you asking for an account authorization code.","Offered a free product or 'get rich quick' opportunity that seems too good to be true. If something sounds too good to be true, it probably is. Never cash a check for someone you don't know."],"scams_text2":"Issues with package delivery
You receive an email or text indicating there's an issue with your package or a failed delivery attempt. You'll be asked to click a link to pay a small fee or provide personal information.
Tip: Do not open unfamiliar links for payment or personal information, this may be a phishing attempt. Read more about phishing.
Donating money to a cause
Use caution if asked to donate money in person, to a cause, using your phone. You'll be told to log into your banking app but then told to hand over your phone for the “representative” to input the charity's information and complete the transaction for you - but the scammer is sometimes actually sending money to themselves.
Tip: Don't hand over your device to anyone to complete a transaction and never ignore bank warning messages.
Social Media
Cyber criminals are actively using social media platforms and design posts that lure you into sharing personal information or scam you out of money.
Tip: Be mindful about what information you share and see on social media. If something seems too good to be true, its most likely a scam. Read about social media scams.
Imposter
Scammers may pose as businesses or people you know — like your bank, utility company, phone provider or even a friend or relative. They'll spoof legitimate phone numbers to call or text and tell you to send funds to yourself or others using online or mobile banking. They may even tell you to ignore or bypass scam warnings and alerts. If you share information, the scammer could enroll in bank features like Zelle using your information.
Tip: Stop and verify. While Bank of America may send you a text to validate unusual activity, we will never contact you to request you share a code over the phone or send us or anyone else money, including through Zelle. Read about social engineering.
Multi-step scams
Scammers are now combining multiple scam types by taking a phased approach to try to gain your trust and make scams even more convincing.
Step 1 - you'll receive a request for remote access on your device.
Step 2 you'll get a call from your bank stating there is an issue or potential fraud.
Step 3 another imposter claiming to be a government official will send you an official email or letter.
Tip: Don't download software or provide remote access to anyone you don't know. Bank of America will never call you to request that you move money to protect yourself from fraud.
Read our tip sheet on talking to friends and family about fraud, scams and cyber security, and read on to review more scams and learn how to help better protect yourself.
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Online sales scams
","content":"
Whether you're thinking about purchasing event tickets, adopting an animal or just browsing the web, be cautious if you see an online promotion that sounds too good to be true - it probably is.
Scammers set up fake stores selling fake goods, and after you've made your purchase, the store suddenly disappears. They may use social media platforms to contact you and build a relationship, telling you about an offer that's hard to resist, then instructing you to download an app or send money to take advantage of the offer.
How to help protect yourself:
Slow down and use caution if pressured to act quickly - scammers want you to act without thinking about the consequences.
Research the seller and products independently, check reviews for possible scam notices, and compare prices with other websites. Make sure they have a refund policy, information on privacy terms and conditions, and ways you can contact them.
Verify the website by looking carefully at the URL address bar or domain name to ensure you are visiting the correct domain and not a fake. Look for secure URLs (https://), and while an encrypted site does not guarantee safety - beware of buying from sites with no encryption.
Use caution if asked to pay using untraceable means such as a wire, money transfer or gift card. If you do, you may not receive your purchase or the return of your money.
Whether you are looking for a vacation rental or are purchasing or refinancing a home, you may still be a target for scammers. Scammers can take over a rental or real estate listing by changing the email address or other contact information, then listing it on another site. They may send you an email that appears to be from your real estate agent, title company, or settlement agent/attorney with last minute updates to wiring instructions. Or you could get a quote for moving your items to your new place that turns out to be significantly higher and they'll hold your belongings until you pay.
How to help protect yourself:
Before you send any money, always independently confirm wiring instructions in person or via a phone call to a trusted or verified phone number. Once the money is gone, there's almost no way to get it back.
Be cautious if pressured to urgently send a security deposit or make a payment to hold the property before you even see it or sign a lease.
Pay attention and do your research on the companies, owner(s) and/or listing: Is it vague? Do the photos have watermarks? Does the rent amount sound too low? Are there any scam warnings or complaints about them online? Remember: If it sounds too good to be true, it usually is.
"},{"label":"
Investment scams
","content":"
Be wary if you are contacted by “investment managers” or receive an unsolicited request (via social media, pop-up, text, email or phone call) that presents a “great investment opportunity.” Offers that promise guaranteed returns, or the chance to get rich quick or double your money are likely a scam.
How to help protect yourself:
Think twice if you're asked to send money through digital currency/crypto currency or instant money transfers. Remember, once you send the money, there is very little we can do to get that money back.
Always validate requests for money, research investment managers/offers and use caution if asked to provide personal or financial information.
"},{"label":"
Romance scams
","content":"
Romance scammers may contact you online via dating aps or social media and try to establish a trusting, caring, and believable relationship - as quickly as possible. Then, scammers make an emotional plea, telling you a story that ends with a request to transfer money through untraceable means like a wire transfer or gift cards. Be vigilant - if it sounds too good to be true, it probably is.
How to help protect yourself:
Be careful when posting personally identifiable information on social media. Enable security settings on your social media profiles to limit what you share publicly.
Never send money, provide financial information or other sensitive information to anyone whose identify you cannot independently verify.
Research who you are talking to. See if their images, name and details have been used elsewhere.
"},{"label":"
Technology scams
","content":"
If you get an unsolicited request to remotely access your computer or mobile device, it's probably a scam - and you could lose money. Scammers often pose as employees of familiar companies and ask you to provide remote access or download an app. They may call, use pop-up screens or email to convince you that your device has a virus or that you're owed money.
How to help protect yourself:
No matter what reason you're given, never grant device access or download any app at the request of unknown companies or individuals.
Always confirm the identity of someone requesting access by calling a trusted and verified phone number (the one they provide could be part of the scam).
"},{"label":"
Compromise scams
","content":"
Scammers may try to target you through a fake business, social media or email account. The cyber criminal may use a hacked or fake account that looks legitimate to trick you into sending funds.
How to help protect yourself:
Never trust unknown individuals. Verify everything they claim and do not send sensitive information to anyone whose identity you can't confirm.
Give all requests for funds a second look. If an email looks strange, look up the sender and email or call them (don't use the number they provide).
Invest in antivirus software and other cyber security software that can flag suspicious emails and websites.
"},{"label":"
Natural disaster scams
","content":"
Know the scams that may follow a natural disaster
Watch out for fake contractors:
Following a disaster, unlicensed contractors will canvas the impacted areas promising to get clean up or repairs done quickly. They may ask for payment up front and not show up to do the work, or have you sign a contract that redirects insurance payouts to them and not you.
How to help protect yourself:
Do your research; get multiple quotes for comparison, and make sure the contractors are licensed.
Use caution if you're pressured to pay up front for the job or sign over the insurance claim. Contractors may try to offer special deals that seem too good to be true.
Avoid being taken advantage of when donating:
Make sure you know where the money is going and that you're giving it to the right person or organization.
How to help protect yourself:
Do your research and make sure the organization is legitimate. Look it up on the internet and check for complaints or scams.
Be careful if giving through social media and other online fundraising platforms. It's safest to give to people you know and trust.
Be cautious of how you pay when donating and use caution if asked to pay in unusual ways. Keep a record of your donation.
Know how to spot imposters:
No matter where they say they're from or who they're representing, imposters have the same goal - to get you to pay them money or give them your personal or financial information
How to help protect yourself:
Stay vigilant about being pressured to act quickly and don't act unless you've verified the person who has contacted you and that the story or request is legitimate.
Know that disaster relief organizations typically do not charge fees to apply for assistance.
Ask for proof of ID and remember: if you're asked for financial information, it could be a scam.
"}]},"LINKS":{"betterMoneyHabbits":{"ID":"better-money-habbits-video","URL":"https://bettermoneyhabits.bankofamerica.com/en/privacy-security/how-to-prevent-online-shopping-scams","content":"video"},"socMedScam":{"ID":"socMedScam","URL":"/content/documents/security/takeaways_social_media_scams.pdf","content":"social media scams"},"tipSheet":{"ID":"tipSheet","URL":"/content/documents/security/tip_sheet_family_friends.pdf","content":"tip sheet"},"socEngine":{"ID":"socEngine","URL":"/content/documents/security/social_engineering_tip_sheet.pdf","content":"social engineering"},"phishing":{"ID":"phishing","URL":"/content/pdf/en_us/security-center/TipSheetsPhishingBofA.pdf","content":"phishing"}},"parentScam":{"id":"parentScam","type":"squeezebox","options":{"oneAtATime":true},"panels":[]},"studentScamPage":{"title":"Learn about the most common type of scams that target students","content":{"text1":"As a high school or college student, you have many responsibilities such as studying for exams, holding down a part-time job and handling at least some of your own finances. While you’re doing all this, con artists may also be trying to separate you from your cash. Cybercriminals know students often have hectic schedules and may be new to money management, making you an ideal target.","text2":"The good news? You can protect your financial and personal information by familiarizing yourself with the most prevalent scam tactics and how to spot them.","text3":"Here’s what you need to know about six of the top scams that target students.","fakeApartment":"1. Fake apartment listings","how":"How it works","action":"Action to take","redFlags":"Red flags","fakeApartment_text1":"You see an online listing for what seems to be an ideal apartment. The landlord or agent isn’t able to show you the place, but you can secure it immediately if you mail or wire a deposit—only to find out later that the ad was phony and your money is gone.","fakeApartment_text2":"Do an internet search on the apartment’s address and any contact names you come across. You may find the legitimate listing for that apartment or learn that others had been scammed in the same way. If the apartment is in your area, always view it in person. In all cases, never send money without first confirming that a listing is legitimate.","fakeApartment_text3":"Be wary if the listing sounds too good to be true, or if you can’t see the unit in person. Other bad signs: there are typos in the listing, a vague description of the apartment and/or no formal rental application or tenant screening process.","bogusScholarships":"2. Bogus scholarships and grants","bogusScholarships_text1":"You receive a call or email saying you earned a grant or scholarship. You’re asked to make an up-front payment for processing or related services, but the scholarship or grant money never materializes.","bogusScholarships_text2":"Contact your school to see if anyone there can help to confirm the legitimacy of the award. In addition, research the organization giving the scholarship or grant to see what information you can find out. Under no circumstances should you be required to send money for a scholarship or grant.","bogusScholarships_text3":"Be suspicious if you never applied for the grant or scholarship. Also, stay on high alert if you’re told the award is a “sure thing,” that it’s only available for a limited time, or that the awarding organization is a newly formed company.","unpaidTuition":"3. Unpaid tuition claims","unpaidTuition_text1":"A person claiming to be a representative of your college calls to say that your tuition payment is late and that you’ll be dropped from all classes unless you pay immediately over the phone.","unpaidTuition_text2":"End the call, then contact your school’s financial aid office through a verified phone number from the school’s official website or correspondence. Report the incident to your school.","unpaidTuition_text3":"If you’re up-to-date on your tuition payments or if the caller pressures you to pay immediately these are major warning signs.","counterfeitCheck":"4. Counterfeit check cashing","counterfeitCheck_text1":"You receive a cashier’s check from someone you don’t know, such as a shopper who wants an item you’re selling online. The amount is for more than is owed so you’re asked to deposit the check and return the extra funds. Yet, the check is counterfeit–and by the time you and your bank discover that—you’ve already sent money to the scammer.","counterfeitCheck_text2":"Never return the amount overpaid until you have confirmation that the check has fully cleared. If the con artist contacted you via a website, notify that site.","counterfeitCheck_text3":"Be wary if you’re given a check that is larger than the amount due, then asked to return funds to the person who paid you. (Here’s what con artists capitalize on: While the deposited money may appear to be available in your account, a check isn’t valid until your bank gets the money from the issuing bank.)","improperEmployment":"5. Improper employment offer schemes","improperEmployment_text1":"You see a job posting that promises great benefits such as flexible hours and above-average pay. But you have to pay an upfront fee to move forward in the interview process or to secure the role. In some cases, the application asks for personal information, such as your social security number, which the cybercriminal can then use without your knowledge or permission.","improperEmployment_text2":"Cut off contact with any firms that ask you to pay an advance fee for a job. If you sent money as a fee, report the scam to the website where the listing was posted.","improperEmployment_text3":"If you’re told you need to pay an application fee, the posting is likely a scam. It’s also a bad sign if the so-called employer makes an offer without asking you to interview.","suspectSweepstakes":"6. Suspect sweepstakes and giveaways","suspectSweepstakes_text1":"You receive a call, email or social media message that is purportedly from a company that distributes sweepstakes or lottery winnings notifying you that you’ve won a contest, but you need to pay a processing fee or taxes to claim the prize. In some cases, scammers will ask for your bank or credit card information, saying they will directly deposit the winnings into your financial accounts.","suspectSweepstakes_text2":"If you feel that you perhaps won a legitimate prize, look up the official website of the group contacting you for information on how to proceed.","suspectSweepstakes_text3":"As with other scams, proceed with caution if you didn’t enter any such sweepstakes, you’re asked for financial or personal information, or to pay a fee.","targeted":"How to react if you suspect you’ve been targeted","actQuickly":"Act quickly ","actQuickly_text":"after an incident, as it can help minimize damages.","changePasswords":"Change all passwords ","changePasswords_text":"that may have been compromised.","callPolice":"Call the police ","callPolice_text":"and file reports with the relevant local authorities. Many state attorney general websites have detailed information on the latest scams, and online forms to file a consumer complaint.","fileReports":"File reports","fileReports_text1":"with the ","fileReports_text2":"Federal Trade Commission","fileReports_text3":" and the ","fileReports_text4":"FBI’s Internet Crime Complaint Center.","fileReport_period":".","document":"Document Everything","document_text":"about the incident. The more information you have, the better armed you will be to assist an investigation by law enforcement officials.","alert":"Alert your bank","alert_text":"about the scam. Although the recovery of lost funds isn’t possible in most cases, your bank may be able to use the information to warn other clients."}},"studentScamImage":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-student-scams-large.png"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"romanceScamImageLarge":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-romance-large.jpg"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"imposterScamImageLarge":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-imposter-large.jpg"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"friendsFamilyLarge":{"small":[{"srcset":["https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-talk-to-friends-family-l.png"],"sizes":"290px"}],"imageAttributes":{"alt":"An image with its zoom level showing"}},"windowsHelloStates":{"debug":true,"id":"turnOnWindowsHello","type":"checkbox","allowNoSelected":true,"groupName":"group1","switches":[{"stringChecked":"On","stringUnchecked":"Off","value":"toggleWindowsHelloBtn","checked":false}]},"RecentSignIns":{"title":"Recent logins","content1":"These are the ","content2":"most recent logins to your account through Online and Mobile Banking. If you see a suspicious login, you can ","linkContent":"take these steps to protect your information.","heading1":"Accessed On","heading2":"Device","heading3":"Date","heading4":"Time (ET)"},"SecurityTipsArticles":{"label":"Security tips and articles","viewArticles":"View all articles","title":"Security tips and articles","goBackToSecurityCenter":"Security Center","goBackToSecurityTipsArticles":"Security tips and articles"},"cardsuspicious":{"dismissible":false,"id":"reportSuspiciousActivityCard","title":"Report suspicious activity","titleTag":"h5","markup":{"dynamicContent":"partial","partialName":"report-suspicious-activity","content":{"text_1":"Forward suspicious email or text messages to us at","mailto":"abuse@bankofamerica.com","period":".","text_2":"If you received a suspicious phone message, call us at 800-432-1000.","text_3":"Go to Card Settings ","text_4":"to do things like report a lost/stolen card or lock your card.","phishing_Icon":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-bofa_icon_phishing2_blk-CSX2e7373da.svg","phone_Icon":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-icon_contact_black-CSX5faf4428.svg","card_Icon":"https://secure2.bac-assets.com/sparta/auth/security-center/spa-assets/images/assets-images-site-secure-ah-sc-common-icon_card_black-CSXa889f955.svg"}}},"ASF":{"text":{"pageTitle":"Additional Security Features","subTitle":"Whenever extra protection is needed, we’ll help keep your digital banking secure."},"DCStepUplayerContent":{"DCStepUpContentLoad":{"id":"DCStepUpContentLoad","title":"
Confirm your identity
To verify it's you, enter your debit card info.
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Secured Transfer numbers
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USB – Extra security for higher-value transfers
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To request that they delete your account information, please contact the company directly."},{"label":"Why are two companies sometimes listed together as a third party?","content":"Service providers are used by many third parties as a way of collecting your account information. 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The Consumer Online and Mobile Banking Guarantee does not apply to Mobile Check Deposits or small business accounts. For Mobile Check Deposits, in the Mobile Banking app, select Get Help then Mobile Check Deposit for details. For liability rules applicable to small business, please see theOnline Banking Service Agreement and Deposit Agreement and Disclosures.
To be covered, report unauthorized transactions promptly. Consult your agreements for full details.
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The material provided on this website is for informational use only and is not intended for financial, tax or investment advice. Bank of America and/or its affiliates, and Khan Academy, assume no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional and tax advisor when making decisions regarding your financial situation.
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Scammers use different tactics to get victims to fall for their schemes. In some cases, they can be friendly, sympathetic and seem willing to help. In others, they use fear tactics to persuade victims. Being vigilant is your first line of defense. Review the following types of scams and learn how better protect yourself.
Issues with package delivery
You receive an email or text indicating there's an issue with your package or a failed delivery attempt. You'll be asked to click a link to pay a small fee or provide personal information.
Tip: Do not open unfamiliar links for payment or personal information, this may be a phishing attempt. Read more about phishing.
Donating money to a cause
Use caution if asked to donate money in person, to a cause, using your phone. You'll be told to log into your banking app but then told to hand over your phone for the “representative” to input the charity's information and complete the transaction for you - but the scammer is sometimes actually sending money to themselves.
Tip: Don't hand over your device to anyone to complete a transaction and never ignore bank warning messages.
Social Media
Cyber criminals are actively using social media platforms and design posts that lure you into sharing personal information or scam you out of money.
Tip: Be mindful about what information you share and see on social media. If something seems too good to be true, its most likely a scam. Read about social media scams.
Imposter
Scammers may pose as businesses or people you know — like your bank, utility company, phone provider or even a friend or relative. They'll spoof legitimate phone numbers to call or text and tell you to send funds to yourself or others using online or mobile banking. They may even tell you to ignore or bypass scam warnings and alerts. If you share information, the scammer could enroll in bank features like Zelle using your information.
Tip: Stop and verify. While Bank of America may send you a text to validate unusual activity, we will never contact you to request you share a code over the phone or send us or anyone else money, including through Zelle. Read about social engineering.
Multi-step scams
Scammers are now combining multiple scam types by taking a phased approach to try to gain your trust and make scams even more convincing.
Step 1 - you'll receive a request for remote access on your device.
Step 2 you'll get a call from your bank stating there is an issue or potential fraud.
Step 3 another imposter claiming to be a government official will send you an official email or letter.
Tip: Don't download software or provide remote access to anyone you don't know. Bank of America will never call you to request that you move money to protect yourself from fraud.
Read our tip sheet on talking to friends and family about fraud, scams and cyber security, and read on to review more scams and learn how to help better protect yourself.
Whether you're thinking about purchasing event tickets, adopting an animal or just browsing the web, be cautious if you see an online promotion that sounds too good to be true - it probably is.
Scammers set up fake stores selling fake goods, and after you've made your purchase, the store suddenly disappears. They may use social media platforms to contact you and build a relationship, telling you about an offer that's hard to resist, then instructing you to download an app or send money to take advantage of the offer.
How to help protect yourself:
Slow down and use caution if pressured to act quickly - scammers want you to act without thinking about the consequences.
Research the seller and products independently, check reviews for possible scam notices, and compare prices with other websites. Make sure they have a refund policy, information on privacy terms and conditions, and ways you can contact them.
Verify the website by looking carefully at the URL address bar or domain name to ensure you are visiting the correct domain and not a fake. Look for secure URLs (https://), and while an encrypted site does not guarantee safety - beware of buying from sites with no encryption.
Use caution if asked to pay using untraceable means such as a wire, money transfer or gift card. If you do, you may not receive your purchase or the return of your money.
Whether you are looking for a vacation rental or are purchasing or refinancing a home, you may still be a target for scammers. Scammers can take over a rental or real estate listing by changing the email address or other contact information, then listing it on another site. They may send you an email that appears to be from your real estate agent, title company, or settlement agent/attorney with last minute updates to wiring instructions. Or you could get a quote for moving your items to your new place that turns out to be significantly higher and they'll hold your belongings until you pay.
How to help protect yourself:
Before you send any money, always independently confirm wiring instructions in person or via a phone call to a trusted or verified phone number. Once the money is gone, there's almost no way to get it back.
Be cautious if pressured to urgently send a security deposit or make a payment to hold the property before you even see it or sign a lease.
Pay attention and do your research on the companies, owner(s) and/or listing: Is it vague? Do the photos have watermarks? Does the rent amount sound too low? Are there any scam warnings or complaints about them online? Remember: If it sounds too good to be true, it usually is.
Be wary if you are contacted by “investment managers” or receive an unsolicited request (via social media, pop-up, text, email or phone call) that presents a “great investment opportunity.” Offers that promise guaranteed returns, or the chance to get rich quick or double your money are likely a scam.
How to help protect yourself:
Think twice if you're asked to send money through digital currency/crypto currency or instant money transfers. Remember, once you send the money, there is very little we can do to get that money back.
Always validate requests for money, research investment managers/offers and use caution if asked to provide personal or financial information.
Romance scammers may contact you online via dating aps or social media and try to establish a trusting, caring, and believable relationship - as quickly as possible. Then, scammers make an emotional plea, telling you a story that ends with a request to transfer money through untraceable means like a wire transfer or gift cards. Be vigilant - if it sounds too good to be true, it probably is.
How to help protect yourself:
Be careful when posting personally identifiable information on social media. Enable security settings on your social media profiles to limit what you share publicly.
Never send money, provide financial information or other sensitive information to anyone whose identify you cannot independently verify.
Research who you are talking to. See if their images, name and details have been used elsewhere.
If you get an unsolicited request to remotely access your computer or mobile device, it's probably a scam - and you could lose money. Scammers often pose as employees of familiar companies and ask you to provide remote access or download an app. They may call, use pop-up screens or email to convince you that your device has a virus or that you're owed money.
How to help protect yourself:
No matter what reason you're given, never grant device access or download any app at the request of unknown companies or individuals.
Always confirm the identity of someone requesting access by calling a trusted and verified phone number (the one they provide could be part of the scam).
Scammers may try to target you through a fake business, social media or email account. The cyber criminal may use a hacked or fake account that looks legitimate to trick you into sending funds.
How to help protect yourself:
Never trust unknown individuals. Verify everything they claim and do not send sensitive information to anyone whose identity you can't confirm.
Give all requests for funds a second look. If an email looks strange, look up the sender and email or call them (don't use the number they provide).
Invest in antivirus software and other cyber security software that can flag suspicious emails and websites.
Know the scams that may follow a natural disaster
Watch out for fake contractors:
Following a disaster, unlicensed contractors will canvas the impacted areas promising to get clean up or repairs done quickly. They may ask for payment up front and not show up to do the work, or have you sign a contract that redirects insurance payouts to them and not you.
How to help protect yourself:
Do your research; get multiple quotes for comparison, and make sure the contractors are licensed.
Use caution if you're pressured to pay up front for the job or sign over the insurance claim. Contractors may try to offer special deals that seem too good to be true.
Avoid being taken advantage of when donating:
Make sure you know where the money is going and that you're giving it to the right person or organization.
How to help protect yourself:
Do your research and make sure the organization is legitimate. Look it up on the internet and check for complaints or scams.
Be careful if giving through social media and other online fundraising platforms. It's safest to give to people you know and trust.
Be cautious of how you pay when donating and use caution if asked to pay in unusual ways. Keep a record of your donation.
Know how to spot imposters:
No matter where they say they're from or who they're representing, imposters have the same goal - to get you to pay them money or give them your personal or financial information
How to help protect yourself:
Stay vigilant about being pressured to act quickly and don't act unless you've verified the person who has contacted you and that the story or request is legitimate.
Know that disaster relief organizations typically do not charge fees to apply for assistance.
Ask for proof of ID and remember: if you're asked for financial information, it could be a scam.
No matter which technique the scammers use, the red flags remain the same. You may be:
Contacted unexpectedly by phone, email, text, direct message or pop-up with a request for personal information or money. Never click a link or download an attachment from someone you don't know. Bank of America will never text, email or call you asking for personal or account information.
Pressured to act immediately with an alarming phone call, email or text that plays with your emotions. Scammers may pose as an employee from a familiar organization, such as Bank of America and say there's a problem that needs immediate attention. Do not act unless you have verified the person who has contacted you and the story or request is legitimate.
Asked to pay in an unusual way, like gift cards, bitcoin, prepaid debit cards or digital currency, including Zelle® to resolve fraud. Bank of America will never ask you to transfer money to anyone, including yourself and will never ask you to transfer money because we detected fraud on your account.
Asked to provide personal or account information, such as an account verification code, bank account number or PIN. When in doubt, don't give it out. Bank of America will never text, email or call you asking for an account authorization code.
Offered a free product or 'get rich quick' opportunity that seems too good to be true. If something sounds too good to be true, it probably is. Never cash a check for someone you don't know.
If you authorize a transfer or send money to a scammer, there's often little we can do to help get your money back.