Scams: Phishing, SMShing and Vishing

Phishing involves an email, often using the name and logo of a legitimate company, asking you to click a link and provide account details – which are then used to commit fraud. SMShing is essentially phishing via text, directing you to follow a link or call to provide sensitive account information. Vishing is phishing via phone, where the caller (or recording) warns you of the urgent need to confirm sensitive account information, or to call a number and provide it.

To help avoid becoming victim to Phishing, SMshing or Vishing scams, you need to know what to look for:

  1. These scams often look legitimate, however, legitimate companies don't use urgent unsolicited communications or pressure tactics asking for personal information.

  2. Fraudulent e-mails, texts and calls ultimately seek sensitive personal and account information such as online log-in credentials, social security numbers, account numbers, passwords or password prompts.

  3. Communications may also include links or attachments that install computer/mobile device viruses and/or keystroke loggers and should not be clicked on or opened

  4. Creating fear or a sense of urgency is a common tactic for many scams. 

  5. Contact the company named in the email or text before you provide any information. Do not reply to or engage with the sender in any way. It's critical to ensure you're communicating with a credible source. For example, call the number on the back of your credit card to confirm the legitimacy of any email, text or call you receive referencing that card.

Explore more ways to protect your accounts


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

  • Never share your passwords and PINs, even with us
  • Change your passwords often
  • Set up alerts for your TD accounts
  • Enroll in TD VoicePrint
  • Never respond to one-time passcode requests that you didn't make
  • Don't use unknown links to access Online Banking

If you think your TD accounts or cards have been compromised, visit our Security Centerto learn how to report the fraud and contact us for help right away.

  • Lock your credit and debit cards
  • Report a lost or stolen card:
    • TD Bank ATM or Visa® Debit Card: 1-888-751-9000
    • TD Bank Visa® Credit Card: 1-888-561-8861
  • Report identity theft or a phishing attempt: 1-800-893-8554
  • Forward suspicious emails
  • Contact your local police department or call The Federal Trade Commission (FTC): 1-877-382-4357
  • Report fraud to the credit bureaus:

Have a question? Find answers here