How You Can Protect Yourself From Fraud

Keeping your accounts and information secure and confidential is one of SunTrust's most important responsibilities. Here are some simple tips to help you better protect yourself from fraud and identity theft:

  • Sign Up for Alerts

    • Fraud Alerts. Stop by a branch or call 1.800.SUNTRUST to sign up for fraud alerts.

      1. SunTrust will automatically alert you through text, or by phone call, to suspicious debit or credit card activity on your personal accounts.
      2. You text back a "Y" (yes) or "N" (no).
      3. If you text "N" to tell us it's not your purchase, we'll stop the transaction and text you a number to call to validate outstanding charges, prevent any further fraud, and start the process of getting you a new card.

      Account and Transaction Alerts. Sign on to Online or Mobile Banking to manage account and transaction alerts.

      1. Verify your mobile number, if you want to receive alerts via text.
      2. Choose how you want to receive your alerts – email, text, or both.
      3. Choose the alerts you want to receive. Account alerts include password changes and  balances below a certain amount. 
      4. Transaction alerts include card transactions over a certain amount and transactions where the card was not present.


      Learn more about these alerts here.

  • Keep Your Devices Safe

      • Secure your device(s).  When you obtain a new device, standard security settings are not very strong.  When you setup your device, make sure you have it set to automatically install application and system updates.
      • Keep your profile information up to date. Ensure SunTrust has your correct phone number, address and email on file so they can contact you should they suspect any fraudulent activity.
      • Avoid storing sensitive information like passwords or a social security number.  Log out when you finish a digital banking session.
      • Beware of online and mobile phishing/social engineering.  Avoid opening links and attachments in emails and texts, especially from senders you don’t know.
      • Select a strong password. Your password should combine numbers, letters (lower case and capital) and at least one special character. Create different passwords for different logins, and change them regularly.
      • Lock your device. Enable the locking feature on your device, which will require a PIN, passcode or fingerprint.
      • Utilize biometric authentication when available. Use biometric authentication if your device (or an application on your device) offers it. The SunTrust Mobile App, for example, offers fingerprint authentication to iPhone clients who select it.
      • Only use trusted wireless networks.  Ensure you are always connected securely to protect your personal data and account information and only perform financial transaction(s) on a secure network.
      • Backup your devices and data. Use a local device or a trusted cloud-based service.
      • Download the updates for your operating system and apps.
      • Be careful what you download. Only download software/applications through verified and trustworthy sources. Avoid installing applications you find through games and other online activity. The SunTrust Mobile App is only available in Google Play and Apple’s App Store/iTunes.
      • Protect your computer and phone from viruses and malicious software (malware) by installing security software.
      • Wipe your computer or mobile device before you donate, sell or trade it.
      • Report any suspected fraud to SunTrust immediately.
      • Report suspected fraud, loss or theft. If your phone is lost or stolen, inform your carrier and SunTrust so they can be on the lookout for suspicious activity on your account(s).
  • Calls and Texts Safety

      • Never provide personal information (Social Security numbers, account/credit card information, etc.) over the phone unless you have initiated the call or have verified the caller.
      • Accept and return SunTrust calls as soon as possible regarding questions about a recent application or transaction.  This helps us establish whether the transaction or inquiry is legitimate.
      • Don’t ignore collection calls for debts you don’t owe. This is a potential sign of identity theft.
      • Report to SunTrust voicemails and texts that ask you to verify SunTrust information.
  • Email Safety

      • Use secure messaging in Online Banking to ensure that information is transmitted safely.
      • Be wary of unsolicited emails; don’t click on links or respond in any way. They may contain harmful viruses, and if they want personal information, they’re likely scams. Remember, SunTrust will never send you unsolicited emails asking you to verify or provide personal and bank information.
      • Some tips for identifying suspicious emails: look for misspellings, beware of urgent language in the subject line, notice lack of details in the email signature (legitimate businesses provide contact details).
      • Report to SunTrust any email that asks you to change your email address/password, update your online account, or are notifying you about system, technical or technology updates at SunTrust or other companies.
  • Card Safety

      • Memorize PINs—do not write them down.
      • Never share your PIN with anyone.
      • When creating your own, avoid obvious PINs like your birthday or address.
      • Only shop on secure websites.
      • Never send your card number via email.
      • Report a lost or stolen card immediately.
      • Check statements for unfamiliar transactions.
      • Destroy duplicate receipts.
      • Carry only the cards you need.
      • Return calls promptly when contacted by SunTrust to verify suspicious or unusual card transactions.
  • ATM Safety

      • Avoid using an ATM alone at night; if you must, be sure the area is well lit.
      • Don't use an ATM if you notice suspicious activity nearby.
      • Don't use an ATM if the machine looks like it has been tampered with in any way.
      • Don't count your money at an ATM.
      • Keep your car running, doors locked and windows up when at a drive-up ATM.
      • Fill out any forms before you use an ATM.
  • Mail Safety

      • Don’t ignore address change notifications. If you receive a notice and you did not change your address, call SunTrust immediately at 1.800.447.8994.
      • Notify SunTrust if you do not receive a statement or bill on time to make sure the address has not been changed or your bill has not been stolen from the mail.
      • Enroll in Digital Banking, if not already, and change your statement delivery to paperless eStatement (electronic delivery). [https://www.suntrust.com/personal-banking/digital-banking-services/online-banking/online-bank-statements]
      • Check your mail daily.
      • Place outgoing mail in a U.S. Postal Service box to reduce mail theft.
      • Shred account statements and other documents with sensitive information.
      • Destroy any pre-approved credit offers that you don’t intend to use.
      • Avoid putting personal information, such as a driver’s license number, on checks.
      • Store personal checks in a safe place to ensure account information cannot easily be found.
      • Sign up for direct deposit to have funds put directly into your account instead of having checks sent through the mail.

If you notice any unauthorized activity in your account or believe your personal account information has been compromised, please contact SunTrust immediately at 1.800.447.8994.

Visit our Theft Signs & Solutions page to learn more on what to watch out for.

DISCLAIMERS

1 Standard carrier messaging rates do not apply. SunTrust Fraud text alerts are free and supported by Verizon Wireless, AT&T, Sprint, T-Mobile© and Metro PCS. Carriers not supported will not receive text messaging.

 

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