How to Protect Your Citizens Account

Digital banking is safe and convenient when you take the right steps. Here's how to keep your information secure and stop fraud before it starts.

Report Fraud

Practical actions to safeguard your devices, information, and online sessions.

Use Biometrics and Encryption

We use advanced security features like fingerprint authorization, encryption, firewalls, and automatic logoff to prevent unwanted activity. Enable biometric login on your mobile device for an extra layer of protection. It's fast and secure.

Avoid Public Wi-Fi

Public networks are less secure and can expose your personal information to hackers. Always use a secure, password-protected network and disable automatic connections to unknown Wi-Fi hotspots.

Create Strong Passphrases and Enable Multi-Factor Authentication

Choose long, complex passphrases that include letters, numbers, and symbols. Avoid using personal details like birthdays. Enable multi-factor authentication (MFA) for an added layer of security—this ensures even if your password is compromised, your account remains protected.

Monitor Your Accounts Regularly and Choose a Bank with Zero Liability

Check your account activity daily to spot unauthorized transactions early. Report suspicious activity immediately. Make sure your bank offers a zero liability policy* so you're not held responsible for fraudulent charges.

Enable Alerts for Password Changes and Unusual Activity

Set up push notifications or email alerts for password changes, large transactions, and unusual spending patterns. These alerts help you respond quickly if your account is compromised.

Keep Your Cards and Personal Info Safe

Hide your PIN when entering it, inspect ATMs for signs of tampering, and report anything suspicious. Shred sensitive documents and store personal information securely to reduce fraud risk.

Phishing: Fake emails, texts, calls, or websites asking for personal info.

Malware: Malicious software that steals data.

Identity Theft: Unauthorized use of personal details for fraud.

Card Skimming: Illegal copying of information from cards that show unusual marks.

Social Engineering: Beware of sophisticated scams via email, text, or calls. Criminals use convincing emails, texts, and calls to steal information. Learn How to Stay Safe

Learn How to Stay Safe

Report fraud in the app**

If you suspect fraud on a debit transaction, file a claim in the mobile app. Choose a transaction to begin the dispute.

Contact Customer Service

Our dedicated Fraud Customer Service Center can support you if you suspect fraud.

How Citizens Contacts You

Learn about the security measures in place to prevent fraud and shield your critical financial information.

* Citizens Zero Liability disclosure: The Citizens Zero Liability coverage protects you from being held responsible for unauthorized transactions on your Citizens debit card when reported promptly. Claims of unauthorized use are subject to verification and investigation. For more information, please visit our Zero Liability page.

** Wireless carrier, text, and/or data charges may apply.