Fraud and scam prevention| TD Canada Trust

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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.

Report suspicious activity

If you believe you’ve been impacted by phishing or another type of fraud, like unrecognized transactions, immediately report any suspicious activity.

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Protecting yourself and your family

Ensuring your TD account is set up for fraud alerts and becoming more fluent in the ever-evolving types of fraud can help you protect your accounts.

Some scams are common to everyone, while others are designed to specifically target youth, seniors and newcomers to Canada. We can help you learn how to spot various fraud and scams aimed both at you and your loved ones.

to protect yourself and your family from fraud and scams Find out how
How TD protects you

Using security features and tools like TD Fraud Alerts, TD Transaction Alerts, 2-Step Verification, Card Controls, and more, we’re trying our best to help you safeguard your finances and protect you and your family from being victims of fraud.

How TD protects you Explore more

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.

Anyone
Youth and Students
Newcomers to Canada
Seniors

Scammers use every trick to steal your info and money.

Suspicious calls, texts and emails, unsolicited advice on making “fast money”, impersonating bank and government employees, applying pressure to act quickly, and attempts to steal your identity are just a few of the many tactics utilized.

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.

Enable TD Fraud Alerts

Receive fraud alerts notifying you if we detect suspicious activity on your TD Credit Cards or TD Access Cards.
Enable Two-Step Verification

When you log in, we need to confirm it's you accessing your accounts so, we use two-step verification for your protection.
Lock or unlock TD Cards

Use the TD app to lock or unlock your TD Credit Cards or TD Access Cards. If you are not travelling abroad, block international in-person purchases.

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.

Safeguard your passwords and logins

Never share your passwords or PIN with anyone and always choose different passwords for your devices.
Protect your social profiles

Always be cautious about sharing sensitive information or requesting friend requests and messages from strangers.
Enable TD Fraud Alerts

Receive fraud alerts notifying you if we detect suspicious activity on your TD Credit Cards or TD Access Cards.

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.

Avoid CRA scams

If a call, text or email from someone impersonating a CRA representative sounds suspicious, don’t engage. Alert the local police or Canadian Anti-Fraud Centre.
Protect yourself from IRCC scams

If you receive suspicious calls or messages, hang up and report it to IRCC Call Centre or the Canadian Anti-Fraud Centre.
Avoid housing scams

Beware of fake listings and impersonators. Never give money to anyone without seeing a listing or signing a legitimate lease.

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.

How to spot the grandparent scam

Learn to recognize when someone is trying to take advantage of your good nature with this common scam.
Avoid Government impersonation scams

If you get calls threatening arrest or urgent payments, hang up and call local police or the Canadian Anti-Fraud Centre.
Safeguard against lottery scams

Texts, calls or emails saying you’ve won a lottery and need to pay taxes are scams. Never share financial info with them.

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.

Learn how to spot a scam

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.

Learn to protect yourself from scammers

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:

If a deal sounds too good to be true, it probably is.
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.
Be cautious about how you pay for your purchase: the safest way is with a credit card or debit card through a secure site.
Don’t make purchases through a pop-up page: go directly to the retailer’s secure website.

Learn how to protect your online data

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.

Learn how to report suspicious activity

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.

Learn more about ways to protect yourself from fraud

Additional fraud resources

TD Stories

Where you can read the latest articles about fraud prevention
Canadian Anti-Fraud Centre (CAFC)

The CAFC collects information on fraud and identity theft. They provide information on past and current scams affecting Canadians.
Business Banking: Fraud awareness

Understanding the impact fraud can have on your business is an important step in preventing it.
TD Identity Theft protection

Identity theft recovery protection coverage with TD Insurance helps with restoring your identity.

Scam Alert! Online marketplaces

Protect yourself against fraud

Fraud can target anyone: Protect yourself

Fraud can target anyone: Protect yourself.

Scammers use every trick to steal your info and money.

Unexpected messages, calls, or requests?

Enable TD Fraud Alerts

Enable Two-Step Verification

Lock or unlock TD Cards

Be aware of what you share online.

Protect yourself against fraud

Safeguard your passwords and logins

Protect your social profiles

Enable TD Fraud Alerts

New to Canada?

Always be on alert

Avoid CRA scams

Protect yourself from IRCC scams

Avoid housing scams

Seniors are often targeted in fake emergency scams.

When in doubt, ignore, hang up and delete

How to spot the grandparent scam

Avoid Government impersonation scams

Safeguard against lottery scams

Frequently asked questions

Additional fraud resources

TD Stories

Canadian Anti-Fraud Centre (CAFC)

Business Banking: Fraud awareness

TD Identity Theft protection

See you in a bit

Scam Alert! Online marketplaces

Protect yourself against fraud

Fraud can target anyone: Protect yourself

Fraud can target anyone: Protect yourself.

Scammers use every trick to steal your info and money.

Unexpected messages, calls, or requests?

Lock or unlock TD Cards

Frequently asked questions

How can I identify a phishing email or a fraudulent website?

What should I do if someone contacts me claiming to be from TD Bank and asks for my personal or financial information?

Is it safe to share my personal and financial information with online merchants?

How can I report fraudulent emails, text messages or scams to TD Bank?

Are there any security features or tools that TD Bank provides to help customers protect themselves from fraud and scams?

Additional fraud resources