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Protect Yourself from Fraud

Identifying fraud early is paramount

Citi's Fraud Early Warning reviews your accounts for fraudulent activity, free of charge. You can help protect yourself from fraud by familiarizing yourself with the many ways in which fraud can appear in your account, email, phone, or your computer.

Make account check-ins a habit.

Nobody knows your accounts better than you. That's why monitoring your account activity is one of the best ways to help protect yourself against fraud.

Review your account information

Sign on at least once a week and review your account information. If you notice any changes to your account that you didn't make, contact us immediately. It's important to let us know when your email address or phone number has changed. You can view and update the information we have on file for you by signing into your account.

Reassess who has account access

Regularly review who has access to your account to ensure any authorized users are current. This is especially important for business accounts.

Look over your transactions

Review your bank and credit card unbilled transactions regularly to make sure these only reflect transactions you have made. If you spot a problem, contact us immediately. You can also temporarily lock your account using the Quick Lock feature, to help prevent further potential unauthorized usage.

Set up Account Alerts

Get alerts delivered to your mobile phone so you can stay updated on your account activity. Set up Account Alerts

Check your credit report regularly

Make sure all the accounts listed are ones you've created, so you can minimize the damage to your credit score. For a copy of your credit report, contact one of the three major credit reporting agencies. (Experian: 1 8 8 8 3 9 7 3 7 4 2; TransUnion: 1 800 9 1 6 8 8 0 0; Equifax: 1 800 6 8 5 1 1 1 1)

Keep your identity where it belongs—with you.

Learn how to spot the signs of identity theft and steps you can take to ensure your identity remains protected.

Spot spoof emails, and text wisely, and safely.

Several signs can help you determine if an email is legitimate or a spoof. Learn how to recognize and protect yourself from fraudulent emails.

Before you respond to any text message, learn how to distinguish a genuine text from a "SMiShing" message that may have been sent by a scam artist.

Visit www.onguardonline.gov to get additional security tips

There are simple things you can do when using your debit and credit cards to help prevent fraud.

While all Citibank® consumer Debit Card and Citi® consumer credit card members have $0 liability for unauthorized charges, taking steps to protect yourself from potential fraud is easy and will be worth it in the long run.

Common types of debit and credit card fraud

  • Card duplication which allows for most types of unauthorized purchases.
  • Card not present transactions - unauthorized purchases over the internet, phone or mail resulting from a lost or stolen credit or debit card or card numbers.
  • Identity theft which can often result in new credit accounts opened fraudulently.
  • Account takeover in which a fraudster assumes your identity on your existing card/account.
  • Fraudulent electronic money movement transactions.

How to protect yourself

Below are some precautions you can take to safeguard yourself and avoid becoming a victim of debit or credit card fraud:


  • Don't let your debit or credit card out of your sight during a point-of-sale transaction.
  • Always take your debit or credit card with you at the end of any transaction.
  • Review your statements every month. Check for any suspicious transactions and report them immediately.
  • Sign the back of your debit or credit card on the signature panel as soon you receive it.
  • Report lost or stolen cards immediately.
  • Never give out your debit or credit card number or personal information over the phone unless you initiated the call and verified who you are dealing with. The only time Citi will ask for your account password is when you contact us. Citi will never ask for your PIN.
  • Report any mobile phone issues (not being able to make calls, send texts, etc) to your mobile phone provider to ensure a fraudster has not taken over your mobile phone number. Contact us immediately if there are any unusual activities on your mobile phone account.

Tips on how to identify a potential scam

If someone sends you a check or money order, then asks you to deposit the item into your account and wire transfer money out of your account, requests money using your credit or debit card number or asks you to purchase gift cards to send them, please be careful — you may become a victim of a popular scam.

Additional information on scams can be found at https://www.consumer.ftc.gov/scam-alerts or www.onguardonline.gov.


Contact your local police department immediately if you believe you have been a victim of fraud or have either received a call or responded to an email received from someone who you now believe was trying to perpetrate fraud.


Citibank customers with questions about their accounts, including transactions on them, should call Customer Service at 1 800 2 8 5 1 7 0 9, option 1. Representatives are available to assist you Monday through Friday 7:00 AM to 11:00 PM ET and Saturday and Sunday 9:00 AM to 5:30 PM ET.