Fraud prevention

National Bank offers tips and tools to help you prevent fraud

Think you’re a victim of fraud?

Have you noticed any unusual transactions in your bank account? Or have you been asked to give out personal information?

National Bank will never ask you for your password, unique verification code, or SecurID token code, whether by text message, email, or telephone.

If you have any doubts, don't hesitate to call our advisors, who are available every day from 6 a.m. to midnight (ET).

How to act in case of fraud?

Here’s what you can do to protect your accounts and your transactions if you suspect fraud, or attempted fraud:

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Report fraudulent communication

Some fraudsters will send imitation National Bank emails and text messages in an attempt to steal your personal information. If you receive a communication from us that seems unusual, or if the content of the message seems threatening, it may be a fraud attempt.

When in doubt, do not click on the link and forward the message immediately to

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I don't recognize a transaction on my credit card. What should I do?

Don’t panic, just follow the steps in our Help center. Prevent further fraud by temporarily locking your card via your online bank, or by calling us immediately at 1-888-622-2783. We’ll check if your card has been compromised.

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Has your debit card been lost or stolen?

If your debit card has been lost or stolen, you can lock or cancel it by signing into your online bank.

Locking your card as quickly as possible helps minimize the risk of fraudulent transactions.

See how

Our tools to help you prevent fraud

We offer several tools to help you protect yourself against fraud. Discover them here:

Identity theft and fraud prevention

Securizone® is a program offered as both an individual and family plan by NBC Assistance Inc. that includes tools and assistance to enhance your identity protection.

Discover Securizone

Peace of mind guarantee

In the event of fraud, you could be fully reimbursed, as long as you're not at fault and you've taken the necessary steps to protect your bank details and electronic devices. It's free for all our clients with bank accounts, and it's our peace of mind guarantee.*

Two-factor authentication

Two-factor authentication increases your account security. It involves entering a unique verification code that can be sent to you by email, text message, or automated call when you sign in. Important: never share this code with anyone.

Email alerts

To help keep an eye on your finances, you can automatically receive email alerts from National Bank. You can deactivate, reactivate, or personalize these alerts at any time.

To learn how, watch our demos for your online bank or the National Bank app.

Our tools designed for businesses

Discover our online security solutions to help protect your business:

Cybereco kit

This kit is an ideal tool to educate your employees about cybersecurity.

Is your team well-equipped against phishing and other types of cyberattacks? In partnership with CyberecoTM, National Bank has created a cybersecurity awareness kit to help protect your business against cybercriminals.

Discover the kit

SecurID token

The SecurID® token helps protect your accounts by preventing access by unauthorized users.

Account connection requires a user code, a password and the SecurID token code, which is generated every 60 seconds.

To obtain a SecurID token, complete the form in your Internet Banking Solutions for Businesses account under Administrator options in the Users section.

Dual signature

Dual signature allows you to validate certain actions with two signatures. You can use it for payments, government remittances, wire transfers, or to manage user authorizations.

To activate this feature, contact us at 1-888-835-6281.

Managing access rights and limits

Access rights management lets you further protect yourself by defining multiple levels of access rights for each authorized user. You can determine the roles allowed for each user according to your operational needs, from simple consultation, to initiating a transaction, to transaction authorization.

Access rights limits are used to set maximum limits per transaction for each authorized user.

Learn how to use these features by watching our demo.

Alerts and notifications

Stay informed about certain transactions or changes in Mobile and Internet Banking Solutions for Businesses, with alerts and notifications. You can customize them to suit your needs. These practical features can also help detect fraud.

Watch our demo to learn more.

Two-factor authentication

Two-factor authentication increases your account security. It involves entering a unique verification code that can be sent to you by email, text message, or automated call when you sign in. Important: never share this code with anyone.

Our tips to help you prevent fraud

Here are some examples of simple steps you can take to protect yourself from fraud attempts:

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Choose a strong password

An effective password should be long. Ideally, it should contain at least 21 characters, including upper and lower case letters, numbers, and special characters. You should also use a different password for each of your online services (email, bank account, social networks, etc.).

Learn more on how to create a strong password:

How to create a strong password|National Bank (

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Keep your passwords secret

National Bank will never ask you for your password, unique verification code, or SecurID token code, whether by text message, email, or telephone. If someone asks you for this information, it is most likely a fraud attempt. Never share it with anyone.

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Update your systems and devices

By regularly updating your operating systems, software, and mobile apps, you add an extra layer of fraud protection.

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Protect your personal information

Never give out personal information by email, text message, or on a website that appears suspicious. Write to to report any unusual communication.

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Type directly into the address bar

Access the National Bank website by typing into the address bar, rather than using a search engine. Don't bookmark this link either.

Learn more about phishing and how to protect yourself from it

Our articles on the subject

Our articles on the subject will help you protect yourself against cyberthreats and fraud attempts.

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A resource for everyone: The Canadian Anti-Fraud Centre

The Canadian Anti-Fraud Centre (CAFC) is a national service that collects information on fraud and identity theft. It also provides information on past and current scams affecting Canadians.

Learn more

The answers you’re looking for

Monitor your account regularly for any suspicious activity.

Signs of suspicious activity may include, but are not limited to:

  • Unusual transactions: Transactions that you do not recognize, because of the recipient, transaction date, amount, etc.
  • Suspicious connections to your account: Actions carried out on your account without your consent.
  • Unexpected changes to your settings: Changes that you have not authorized, such as changes to your email address, phone number, or security settings.

If you spot any suspicious activity or unauthorized transactions, take the following steps immediately:

  • Screenshot everything: Take a screenshot of potential suspicious activity to serve as evidence.
  • Report it to National Bank: Contact us as soon as possible, every day from 6 a.m. to midnight (ET), at 514-394-5555 or 1-888-835-6281.
  • Provide as much detail as you can, including the screenshot, date and time of the incident, and any other relevant details.
  • Change your sign in information: If you suspect that your sign in information (e.g., password) was compromised, change it immediately.

Email and text message scams

Did you receive a text message or email prompting you to click on a link? Carefully review the sender’s information before clicking on anything, and remember to not provide any personal information.

National Bank will never use this method to request confidential information such as your password.

If you received such a message but didn’t click on the link, ignore and delete it. If you’re a National Bank client and clicked on the link or provided your personal information, please contact us immediately at 1-888-835-6281 to secure your account.

Our advisors are at your service 7 days a week from 6 a.m. to midnight (ET).

If you receive a message that claims to be from National Bank, but appears fraudulent, don't click on any links. Instead, immediately forward the message to

False representative scam (impersonation over the phone)

When you receive a call from National Bank, we'll never ask you for any information that we already have.

Here are a few tips to follow if you receive a call from National Bank that seems suspicious (speaking quickly, persistent demands, etc.):

  • Don't respond to the request if it is unexpected or unsolicited. Don't give out personal information or validation codes during the call.
  • If the person tells you they work at National Bank, don't pursue the matter. Contact us directly instead.
  • Never give your debit or credit card, or PIN to a person claiming to work for National Bank who comes to your home to pick up a defective or compromised card.

Always ask yourself questions about what you are being asked to do. Does it make sense? Is it routine? When in doubt, call a representative before acting. You'll then be in a better position to analyze the situation.

Impersonation fraud involves the fraudster attempting to steal your personal information, such as usernames and passwords. This tactic is often carried out by phishing on a website or application.

You’ll then receive an email, call, or text message from someone pretending to be a National Bank or other large company employee. This person could tell you that suspicious activity has occurred on your account and that, for verification purposes, they need to know the unique validation code your bank sent you when you signed in to your account. Also note that if you are put on hold for a long time during the call, it may be because they are actively trying to access your account.

If you have any doubts, don't hesitate to call our advisors, who are available every day from 6 a.m. to midnight (ET), at 514-394-5555 or 1-888-835-6281.

Phishing attempts are common, and it's important to learn how to detect them. First, National Bank will never ask you for your password, unique validation code, or other personal information by email. We'll also never ask you to connect to your online bank via a link or file included in an email.

Phishing emails often contain one or more of these elements:

  • They imitate the communications of a trustworthy business.
  • They contain spelling, grammatical, and typographical mistakes.
  • They have clickable links or attachments.
  • The address to reply to them is completely different from that of the sender.

If you receive an unsolicited email from National Bank that looks like a phishing attempt, please forward it to or call us at 514-394-5555 or 1-888-835-6281.

The Canadian Bankers Association (CBA) publishes a monthly newsletter on fraud prevention, including its latest tips. To subscribe to this newsletter, go to the CBA website, scroll to the bottom of the home page, and click Choose a newsletter. Select Consumer Fraud Prevention Tips in the drop-down menu and enter your email address.

You can also visit the Canadian Anti-Fraud Centre website for more information about fraud and identity theft.

Visit our Fraud prevention section for practical tips and tools.

We're here for you

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Need to report a fraud?

Our advisors are available every day from 6 a.m. to midnight (ET).

514-394-5555 or 1-888-835-6281

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Still have questions?

Visit our Help centre to find the information you’re looking for.

Little details that matter

*Subject to the terms and conditions of the deposit account contract and the digital and mobile services contract.

® Securizone is a registered trademark of National Bank of Canada used by NBC Assistance inc.

® NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

® MASTERCARD is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.  

TM Cybereco is a trademark of CYBERECO 10849553 Canada.

® SecurID is a registered trademark of RSA Security Inc. Authorized user: National Bank of Canada.