M&T Bank : Card Fraud Prevention Tips
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Card Fraud Prevention Tips

If you believe you have been a victim of fraud related to your M&T Bank accounts, notify us immediately at 1-800-724-2440. If you think you may have been a victim of identity theft, please visit our Identity Theft page for more information.

Take proactive steps to keep your financial information secure

  • Never lend a credit or debit card to anyone
  • If you move, notify M&T Bank in advance of your change of address
  • Sign your credit and debit cards as soon as you receive them
  • You are in the best position to identify suspicious card activity in your account. We encourage you to review your monthly statement and closely monitor your account through M&T Online Banking. Contact us if you don’t recognize a transaction

ATMs and Retail Stores

  • Don't write your PIN number on your card or anywhere near your card (in the event that your wallet is stolen)
  • Don’t store your card or PIN numbers within your smart phone as this is also subject to being lost or stolen
  • Keep an eye on your credit or debit card every time you use it, and make sure you get it back as quickly as possible
  • Shield your card number so that others around you can't copy or photograph it
  • Carbon paper is rarely used these days, but if used in a credit card transaction, destroy it immediately


  • Never provide your credit or debit card information on a website that is not secure (displaying “https:” in the website address and the lock in the bottom right corner of the browser window indicates a secure connection)
  • Stick to online merchants that have a trustworthy reputation. Read their privacy policy (if you can’t find it, that may be a red flag) and find out what security features are in place
  • Consistently validate that each of your computers has up-to-date software installed including operating system, personal firewall, anti-virus, anti-spyware and current browser. Ensure your anti-virus and anti-spyware software is enabled and performing scans on a regular basis


  • Never respond to emails that request your credit or debit card information via email or verification of your personal (and credit or debit card) information via a website. These are called 'phishing' scams
  • M&T Bank does NOT initiate emails seeking personal information such as account numbers, card PINs and Social Security numbers. If you receive a suspicious email, please forward it, as an attachment, to us at phishing@mtb.com


  • Don't give out your card number over the phone unless you initiate the call and you know the company is reputable. Legitimate companies do not call you to ask for card numbers over the phone (e.g. if you are told there has been a 'computer problem' and the caller needs you to verify information)
  • Avoid offers informing you that you’ve won a prize. Respondents are often asked to pay “shipping” or a “deposit” for a prize that never existed in the first place
  • Be wary of calls soliciting contributions to charitable causes, particularly those regarding disaster relief. Many times, these solicitors are not legitimate. Contact a worthy cause yourself rather than responding to a random telefunding request

At Home

  • Shred all credit card applications you receive and any documents containing your credit or debit card number
  • Open your checking account and credit card statements promptly and make sure there are no unusual charges
  • Treat your credit card statement like your checking account statement ― reconcile it monthly
  • Report suspicious charges promptly to M&T Bank at 1-800-724-2440 and in writing
  • Never leave your cards or receipts lying around
  • Never write your card number on anything that may be visible to the public (such as on a payment slip that may show through the envelope payment window)
  • Obtain your credit report, and make sure everything appears correct
  • Keep personal records, payroll information, insurance files, and other sensitive information stored securely out of sight. Half of all identity fraud is committed by friends, family members, relatives, employees, live-in caregivers, and other individuals working in or around the home
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