Take advantage of your debit card's security features
Your Fidelity® Debit Card comes with many features and benefits designed to safeguard your information. We appreciate the trust you've placed in us and remain committed to your peace of mind. That's one of the many reasons we offer extra security measures based on the way you like to use your card.
Sign up for alerts. We actively monitor for fraud and can send automatic alerts to you via text2 or email if we detect suspicious or irregular activity—or when certain transactions or profile information changes. You may subscribe to alerts for the following types of activity:
Lock your card. If you want extra protection from unauthorized use, whether you've accidentally misplaced your Fidelity® Debit Card or are just not using it, you can place a temporary block on it by locking your card.
Locking your card will prevent any spending transactions. It will block any online or mobile purchases that use your card as the payment option, including digital wallet purchases. Regular automatic transactions (such as automatic bill payments), returns, and credit adjustments will still be allowed. You can lock and unlock your card as often as you need, at no cost.
One of the easiest and most effective ways to protect yourself from identity theft and fraud is to use strong passwords and change them frequently.
Here are a few tips to create stronger passwords:
- Combine no fewer than 8 letters, numbers, and symbols.
- Create a unique user ID and password for online banking that you don't use anywhere else.
- Don't carry passwords in your wallet or purse.
- Make your password easy to remember but hard to guess by using symbols and numbers in place of letters (for example, PetRover becomes P3+R0v3r).
- Don't use a password that is often found on lists of commonly used passwords.
Smartphones are increasingly being used to house all sorts of personal information, so it’s important to make your phone as secure as possible.
Here are a few things you can do:
- Protect access to your smartphone or device by using a password or biometric lock, such as a fingerprint or facial recognition.
- Always lock your phone when not in use.
- Set your phone to automatically lock after being idle for a set amount of time.
- Set your phone to require a longer password than the default four-digit unlock code (if this option is available).
- For even stronger security, set your phone to erase all data after 10 bad password attempts.
- Report a lost or stolen phone as soon as possible following the recommended steps of your mobile service provider.
NOTE: Unlike the risk associated with the loss or theft of a physical wallet or card, a mobile device and digital wallet protect your Fidelity® Debit Card with multiple layers of protection. A person would need to guess or "break" your device's password, as well as any access passwords, PINs, or biometric IDs (e.g., fingerprints, facial recognition, etc.) you've set to protect your card. If you ultimately replace your device, you will need to re-add your Fidelity® Debit Card to the digital wallet on your new device. Learn more about digital wallets.
Here are a few things to remember when checking your email and text messages:
- If something looks suspicious, it probably is. Before reacting to an email or text, examine its contents and question the validity of it.
- Never click on links in either emails or texts, unless it's a communication you were expecting to receive.
- If you have a question about an email you received, contact us directly.
- Never share personal information, such as your Social Security numbers, login information, or account numbers.
- Remember that Fidelity or Elan will never send you an email requesting sensitive personal information. If you receive a suspicious email that references Fidelity or your credit card, please forward the email immediately to firstname.lastname@example.org.
24/7 account monitoring
Fidelity and Visa work together to help prevent fraud and to cover you in cases of unauthorized purchases.1
We monitor your activity to safeguard your account. Our fraud detection and notification system continually evaluates your debit card for suspicious activity and may notify you if fraud is suspected.
Learn more about the different types of security, fraud, and transaction alerts we offer.
Protecting yourself from identity theft
From merchant data breaches to scams—you can defend yourself by following a few simple guidelines.
Be suspicious of any unsolicited call, email, or text message
- Savvy criminals use many tricks to bait you into clicking on links or speaking with them to reveal personal information.
- Be aware that scammers may already have some of your personal details that they use to try and reinforce that their contact is legitimate.
- Always "hang up" and defer to known channels of communication, including calling the Fidelity Debit Card Services number on the back of your card.
- Do not click on links or even copy the web address link from a suspect communication.
- Legitimate organizations will never ask you to pay a debt via gift cards. Be wary of callers asking you to do this.
Fidelity will never ask you to provide confidential details, such as your card number, PIN, 3-digit CVV, Social Security number, name, address, password, or temporary security code in an email or text message. However, you may be asked to provide a unique promotional code for certain promotions, or you may be asked to provide this information when speaking directly when you call Fidelity Debit Card Services.
Regularly update your passwords
Regularly update your passwords and make them strong and unique to each account that you use.
When a data breach occurs, stolen payment data is rarely used to make fraudulent purchases at the place the data breach occurred. Instead, criminals are more interested in targeting people who continue to use the same login credentials on sites beyond the one that was breached.
Pay attention to your transactions
Pay attention to your transactions and report or dispute suspicious activity as soon as you notice something is wrong by calling the Fidelity Debit Card Services number on the back of your Fidelity® Debit Card. View transactionsLog In Required
Be cautious when sharing personal details online
Be careful what you make public. Seemingly harmless photos, posts, and comments can be compiled by criminals to gather enough information about you to commit fraud or steal your identity.
- Sharing photos of personal credentials such as a driver's license, Social Security card, or payment card is an obvious concern.
- Be wary of "for fun" social media posts that ask you to answer lists of questions such as your favorite color, what kinds of pets you have, where you grew up, places you've visited and even favorite bands, movies, or teacher's names. These "social questionnaires" reveal answers to common security questions used to reset passwords or log into accounts.
The Fidelity® Debit Card is issued by PNC Bank, N.A. or Leader Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. The parent company of Fidelity has a minority percentage, noncontrolling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank and Leader Bank pursuant to a license from Visa U.S.A. Inc.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917