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Learn how you’re supported—every step of the way.

We use a multi-layered strategy of technology and dedicated teams to help protect you and your finances from fraud and other security threats.

Some of the technology we use to keep you safe:

  • Data & email encryption – Powerful encryption tools protect your information as it travels between networks.

  • Firewalls and activity logs – Firewalls monitor incoming and outgoing network traffic to identify potential threats.

  • Timeout and lock-out features – A timeout feature automatically ends each user session after a period of inactivity. After three unsuccessful logon attempts, online account access is locked.

  • Private information protocols – We’ll never ask you to email us private information such as your user ID, password, account number, or Social Security number. 

What does the financial industry do to protect the security of my card?

In the event of fraud, federal laws and industry practices may limit your losses—depending on the type of card.

Credit cards

Under federal law, your liability for unauthorized use of your credit card is capped at $50. Truist will not hold clients liable for any unauthorized use.

Additionally, credit card losses are typically covered by the card issuer's Zero LiabilityDisclosure 1 policies.

Personal debit cards

You may have no liability for unauthorized debit card purchases, subject to terms and conditions. See the Zero Liability Policy for Consumer Debit Card Purchases for additional detailsDisclosure 2

Business debit cards

If your card is used to make an unauthorized transaction, Truist will not hold clients liable except in certain cases. See Zero Liability for Business Debit Card Purchases for additional details.Disclosure 3

Prepaid cards

Cards that employers use to pay their employees are covered under the same laws governing debit cards.

Reloadable cards aren't protected under federal law but may have similar protections included by the issuer.

Prepaid gift cards are treated like cash and aren't subject to federal liability regulation. If lost or stolen, you might lose the entire value of the card.

Fraud and Security
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Disclosure

Disclosure 1 Visa’s Zero Liability Policy does not apply to certain commercial card transactions or any transactions not processed by Visa. Cardholder must use care in protecting the card and notify Truist immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult your Cardholder Agreement. 

Disclosure 2 ZERO LIABILITY POLICY FOR CONSUMER DEBIT CARD PURCHASES. You may have no liability for unauthorized debit card purchases, subject to the following terms and conditions:

A)        Our zero liability policies apply only to unauthorized purchases and certain ATM transactions using your debit card. Any claims of unauthorized debit card purchases that do not meet the conditions of this section and any claims of unauthorized transactions involving other types of electronic fund transfers are governed by the error resolution requirements as described in Section 10 of the Electronic Fund Transfer Agreement and any separate agreement provided in connection with the issuance of the access device. If your claim does not meet the terms and conditions contained in this section, the bank will automatically re-examine your claim in accordance with the error resolution requirements as described in Section 11 of the Electronic Fund Transfer Agreement.

B)        Our zero liability policy may not apply if: (i) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; (ii) you fail to provide us with a statement or affidavit of your claim within the time requested; (iii) we determine the transaction was not “unauthorized” as defined below; or (iv) you fail to report the loss, theft, or unauthorized use of your debit card or card number within a reasonable period of time. A reasonable period of time will be determined by bank in its sole discretion, but in no event will it be shorter than the time periods specified in the error resolution requirements.

C)        “Unauthorized” Defined – A transaction is considered “unauthorized” if it is initiated by someone other than you (the cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered “unauthorized” if: (i) you furnish the card, card number, or other identifying information to another person and give that individual express or implied authority to perform one or more transactions and the person then exceeds that authority, or (ii) for any other reason bank concludes the facts and circumstances do not reasonably support a claim of unauthorized use.

 

Disclosure 3 ZERO LIABILITY POLICY FOR BUSINESS DEBIT CARD PURCHASES. If the Card is used to make an unauthorized transaction, your liability for the unauthorized transaction will be $0 except in the following cases: (i) we determine that the unauthorized transaction was a result of gross negligence or fraud on your part; (ii) you fail to provide us with a written statement or an affidavit of your claim within the time requested; (iii) we determine that the transaction was not “unauthorized” as defined in this section; or, (iv) you fail to report the loss, theft, or unauthorized use of the Card within thirty (30) days after the date of the transmittal of the first statement on which the unauthorized transactions first appear. In these cases, you are fully liable for all transactions conducted using the Card, Card number, or PIN. In addition, you may be fully liable for all transactions conducted using the Card, Card number, or PIN if: (i) you give the Card, Card number, or PIN to another person who you expressly or implicitly authorize to use the Card, and that person exceeds the authority granted, or that person continues to conduct transactions after you have terminated authority, unless you have requested in writing that we cancel your Card and PIN and have given us a reasonable period of time to act upon such notice; (ii) you fail to safeguard the Card, Card number, or PIN as required by the Business Debit Card Agreement; (iii) the transaction is conducted by a person who has an ownership interest in your company, by a Cardholder or a person authorized by a Cardholder, or by any other person who has an interest in the Account or who has authority to conduct transactions on the Account; or (iv) our investigation reveals that the facts do not reasonably support a claim of unauthorized use.

We will conditionally credit your Account within five (5) business days after receipt of oral notification from you. We may reverse the credit to your Account within ninety (90) days after receipt of your claim if you do not provide your complaint in writing to us within the time period requested or if, after an investigation, we reasonably determine that the transactions were not unauthorized.

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and/or P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA, SIPC, and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, Inc.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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