I see unautorized transactions on my Bank of America account?

Quick Answer:

If you see suspicious activity or believe someone has your account info, contact your bank's fraud department immediately. They can help stop further losses and secure your account.

How to contact:

1. Call the Fraud Department Right Away: 888-482-4792
   This connects you directly with the Bank of America (BoA) fraud team.

2. Use the BoA Mobile App:

   • Open the BoA app on your phone.
   • Tap “Chat” to speak with the fraud team securely.
   • Because you're signed in, you're already verified.

3. Go to your local branch office and explain your situation

Steps to take:

1. Ensure Safe Communications
   Interactions with financial institutions must remain secure. If you notice anything irregular and you’re using a PC, close it immediately and switch to your mobile banking app. Mobile phones are generally harder to hack than computers. Always be aware of your surroundings when accessing your bank account, especially in public. Mobile banking apps typically offer more layers of security than browsers.

2. Review Your Transactions
   Carefully check your recent transaction history for any unfamiliar or unauthorized activity.

   • Flag suspicious charges using the app or by calling the bank directly.
   • Use the secure communication method described above when contacting your bank.

3. Freeze or Close Affected Accounts
   Contact your bank to freeze the affected account and request new account numbers.
   Ask the bank to temporarily set the account as “Credit Only”, meaning it can only receive deposits but no withdrawals can be made. This gives you time to update your direct deposit details with your employer, pension provider or Social Security.

4. Request New Accounts and Cards
   Request a new account for your Checking and Savings. If they have the account and routing number they still can try things. Nieuw accounts automaticly come with a new debit card.

5. Ensure your computer is not infected with Malware or Spyware
   Before logging in again from your computer:

   • Run a trusted antivirus or anti-malware scan.
   • Remove any suspicious programs or browser extensions.
   • Consider professional help if you're unsure how to check this yourself.

6. Change your password and if possible your username

7. Update Direct Deposits and Automatic Payments
   If your account number has changed, be sure to update any recurring payments and direct deposit information. This includes paychecks, pension payments, Social Security benefits, utility bills, subscriptions, and other automatic transactions.

⚠️ What to watch out for:

• Don’t respond to emails or texts asking for your info, even if they look like they’re from the bank.
• Always use the official app or phone number listed above.
• Monitor your account daily for the next few weeks.