Security Center

Explore how to keep your accounts and identity more secure so you can bank with confidence.

Read our online and mobile security commitment

Concerned about fraud? Contact us

Securing your data

What you can do

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 regular account review to spot unusual activity, heightened awareness of current malware and fraud threats, and the use of reputable security software, you can significantly reduce your fraud and identity theft risks.

Reporting identity theft

Find the resources you need to report fraud and protect yourself

TD Bank will never ask you to confirm your account number, PIN, password or any other personal information via e-mail, text or voice call.

If you are concerned that you have received a fraudulent email, text or call, disclosed confidential information or have questions about online security, call 1-800-893-8554.

For credit card-related transactions, contact TD Bank Visa® Credit Card at 1-888-561-8861.

Explore more ways to protect your accounts

These simple steps can go a long way toward preventing online fraud

  1. Never share your passwords and PINs, even with us

  2. Change your passwords often

  3. Enroll in TD VoicePrint

  4. Don’t click on links you don't recognize

  5. Never respond to texts or emails with personal info

  1. Never respond to one time passcode requests that you didn't make

  2. Don't use unknown links to access Online Banking

  3. Don't deposit checks from unknown sources and transfer any portion of those funds

Your security and fintech apps

Third-party (non-TD) financial technology (fintech) apps and data aggregators often store and access your digital bank account username, password and account information to provide services that may help you manage your money, invest, borrow and send money.

Find out how these apps use your data and what you can do to help protect yourself

Learn more about threats

  • Phishing, vishing and SMShing

    Fraudsters use email, text and phone to steal sensitive information

  • Malware and P2P sharing

    Avoid efforts to infect your computer and steal sensitive info

  • Lotteries, fees and shopping fraud

    Learn how to recognize and avoid scams that look enticing – but rarely are

How to report a vulnerability

Learn how to report a potential security vulnerability and review our policy for responsible disclosure.

What we do

The security of your personal information and our website is our top priority – however you bank. And our concern for the safety of your financial and personal information goes beyond our banking relationship with you. We'll work with you to help prevent fraud, phishing, SMShing and vishing – and provide you with the latest tools and information to help safeguard your mobile, desktop and online experience.

Our online and mobile security commitment

TD Bank is committed to providing you with a secure online experience that protects our public website and Online Banking, our mobile apps and your confidential information. Our employees are trained on our security policies and procedures and work diligently to protect the integrity of your information.

We use industry-accepted security practices, including firewalls and encryption, to safeguard the security of your personal financial information. These controls allow us to properly authenticate your identity when you access our online and mobile services and help to protect your information as it travels over the internet between your device and TD Bank. We also constantly monitor and assess the security of our website and mobile apps.

With everything we're doing to protect your information, keep in mind that it is also important for you to take precautions to safeguard personal information on your end.

TD VoicePrint, single-use security codes and security alerts

Speech recognition technology – set it up once, and use it every time.
TD VoicePrint is a voice-recognition technology that allows us to use your voiceprint – as unique to you as your fingerprint – to validate your identity whenever you speak on the phone with one of our Live Customer Service representatives.

It's really simple to enroll – just talk.

  1. Call Live Customer Service 1-888-751-9000

  2. Request to enroll in TD VoicePrint

  3. The customer service representative will get you set up

The software does all the work in the background as you and the representative have a normal conversation. Once your voiceprint is captured, you will be asked to confirm your enrollment in TD VoicePrint.

Once captured, your TD VoicePrint will be stored for future use. A voiceprint is not a recording, or something that can be stolen. It can't be used to gain access to any other system or to create a recording of your voice.

It's free.
TD VoicePrint is such an important security feature that we want everyone who is interested to enroll – so we've made it free. Call 24/7 Customer Service at 1-888-751-9000 to enroll.

Single-use security codes

A single-use security code is a unique number that we generate and send to your phone by SMS text or voice message whenever we need to verify your identity. For example, you may be prompted to provide a security code when you log in from an unfamiliar device or location.

Because single-use security codes change every time we need you to verify your identity, they prevent fraud efforts, and provide enhanced security for your online accounts.

Each time we prompt you, you'll be able to tell us which phone to send your code to, and if you want it sent by SMS text or voice message. Once you receive your security code, you simply enter it onto the screen and continue banking. The security code can only be used once. This 2-step verification provides an added layer of security to help keep your account safe from hackers or unauthorized users who may have your username and/or password.

Please note that standard wireless carrier message and data rates may apply for SMS text messages.

Security alerts

Data Incidents

TD Bank has fraud detection processes in place to help protect our customers from data incidents – including data breaches where hackers infiltrate secure networks to steal e-mail addresses, phone numbers, Social Security numbers or other sensitive personal and/or business information. In the event of such an occurrence, we may contact you to verify account activity – but we will never ask you for sensitive information such as your Online Banking password or card PIN. Our consumer debit and credit cards also have Visa's Zero Liability Policy, so in the unlikely event that fraudulent charges are made with your card or account information you won't be held responsible.1

Security Bugs

TD has put in place defenses to protect against potential threats so customers can conduct their banking securely and without their data being at risk. TD also has multilayered authentication safeguards in place. As an added measure of protection, we recommend changing passwords regularly.


Identity verification

We're committed to protecting your personal information. To ensure the integrity of your accounts, we use various methods to confirm your identity whenever you visit a TD Bank location.

With a TD Visa® Debit Card and PIN
This is the same verification method used when buying something at the market. When you arrive in our lobby, the teller will ask you to insert your TD Bank chip-enabled debit card into the PIN pad and enter your PIN. Once your identity is confirmed, your transaction can begin. Verifying your identity supports our efforts to process your banking request accurately.

If you don't have your debit card with you, we can still verify your identity using your PIN. The teller will ask for a valid form of identification in place of your debit card, then prompt you to enter your PIN into the pin pad.

With a smartphone and PIN
Drive-thru banking uses a similar PIN-based method for verification. After providing the teller with a valid form of identification, you will receive an SMS text message on your smartphone. You will then be prompted to enter your debit card PIN. Once your identity is confirmed, your transaction can begin.

With physical identification
In instances where you don't have a debit card or smartphone, you will be asked to provide one or more forms of valid physical identification. You may also be asked to confirm personal information or account details. These steps are taken to ensure your protection.

With a single-use security code
In some instances, we may ask for additional verification using a single-use security code. This code is a unique number we generate and send to your smartphone via SMS text or voice. Use of security codes is a common method of identity verification, providing enhanced protection of your personal information.

Additional methods
At any point, we may request additional and/or alternate methods of identification to supplement or substitute those described above. Both customers and non-customers may be asked for such proof of identity.

Protect your business

The security of sensitive information is critical to the success and sustainability of your business. TD Bank uses state-of-the-art security protocols to protect your business data, and there are a number of steps you can take to further prevent data theft and fraud.

Get security help

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use and you will receive a provisional credit while the fraud investigation is completed. For specific restrictions, limitations and other details, please consult your issuer.

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