Preventing fraud

Take the right steps to protect your Personal Identification Number (PIN).

You may find transactions in your account statement that you did not make.

For a bank account: contact your bank right away and tell them the amount and date of the unauthorized transaction. If the transaction is fraudulent, the bank will be able to tell you what to do next.

For a credit card: contact the institution that gave you your credit card right away and report the unauthorized transaction. You can also file a report with the local police.


You may get telephone calls from people who are trying to sell you something. Never give out any personal or financial information to anyone over the telephone unless you have made the call yourself. If you are not sure about the caller, just hang up.

“Phishing” (email fraud)

If you get an email asking you to enter or verify personal information (such as a credit card number, an online banking password or a social insurance number), do not respond. It is most likely an attempt to steal your money or your personal information. Do not respond even if the email looks like it comes from your bank or financial institution.

A legitimate company or financial institution would never contact you and ask you to give your PIN or password over the telephone or online. Remember that financial institutions will never tell you of a problem with your account through an unsolicited email, and they will never ask you to send or confirm personal or financial information by email.

The Financial Consumer Agency of Canada website has more information about your rights and responsibilities related to financial fraud.

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