TD Bank Scam Text - How to Protect Yourself

TD Bank will never send a text message asking you to click a link, enter your PIN, or verify your full account number.

Key Red Flags of a TD Bank Text Scam

• Suspicious Links: The message includes a URL that does not end in td.com (e.g., "web-recovery1.com" or random short links).
• Requests for Personal Info: It asks for your password, PIN, CVV code, or Social Security/Social Insurance Number.
• Urgent, Threatening Language: It claims your account is "frozen" or "suspended" to induce panic.
• Generic Greetings: It addresses you as "Dear valued customer" rather than using your name.
• Phone Number Spoofing: Scammers can make their text appear in the same thread as legitimate TD Bank messages or use fake caller IDs.

How a Real TD Bank Fraud Alert Works

• No Links: Legitimate text alerts from TD Bank's official fraud shortcode (like 832832) never include hyperlinks.
• Simple Verification: Real alerts include the last four digits of your card, the dollar amount, and the merchant name.
• Simple Reply: They only ask you to reply with Y (Yes, I recognize this) or N (No, I do not).

What To Do Right Now

• Do not click any links.
• Do not call phone numbers provided within the text message.
• Take a screenshot of the message.
• Forward the text or email a screenshot to phishing@td.com to report it.
• Delete the message and block the sender.

What to Do If You Already Clicked a Link

If you entered your banking details or password on a suspicious site, you must act instantly:

1. Call TD Bank immediately: Reach the real fraud department via the number on the back of your debit card or through the official TD Bank Security Center.
2. Lock your cards: Log into your official TD mobile app to freeze your credit or debit cards instantly.
3. Change your passwords: Update your online banking credentials from a secure device.