Finvera Bank
FDIC Insured · Member FDIC
If you believe your account has been compromised or you have identified suspicious activity, report it immediately. Time is critical in preventing further unauthorized access.
Critical Security Notice
Do not delay reporting suspected fraud. Immediate action helps protect your account and limits potential losses. Our fraud investigation team operates 24/7 to respond to reports.
For immediate assistance with suspected fraud, contact us using one of the methods below.
1-800-FRAUD-911 (24/7)
Report via online banking
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Understanding our fraud investigation process helps you know what to expect. We follow a systematic approach to resolve your case efficiently and protect your account.
Upon receiving your report, our fraud team immediately reviews your account activity and places protective holds on suspicious transactions to prevent further unauthorized access.
Your case is assigned to a dedicated fraud investigator who will contact you within 2 hours. You will receive a case number for tracking purposes.
Our team conducts a thorough investigation, analyzing transaction patterns, IP addresses, device information, and any supporting documentation you provided.
We implement immediate security measures including password resets, card replacements, and enhanced monitoring. Compromised credentials are invalidated immediately.
Once the investigation concludes, unauthorized charges are reversed per our Zero Liability Protection policy. Affected funds are typically restored within 10 business days.
You will receive regular updates via email and SMS at each stage of the investigation. You can also check the status of your case anytime through your online banking portal using your case number.
Proactive security measures can significantly reduce your risk of fraud. Follow these best practices to keep your account secure.
Create complex passwords with a mix of letters, numbers, and symbols. Never reuse passwords across multiple accounts. Enable multi-factor authentication on all accounts.
Review your account statements and transaction history weekly. Set up real-time alerts for transactions over a certain amount to catch unauthorized activity immediately.
Never share account numbers, passwords, PINs, or verification codes with anyone. Finvera will never request this information via email or unsolicited phone calls.
Be cautious of emails or messages requesting immediate action or threatening account closure. Verify sender authenticity before clicking links or downloading attachments.
If you receive a suspicious call claiming to be from Finvera, hang up and call our official number. Never provide sensitive information to unsolicited callers.
Regularly update your device operating systems, browsers, and antivirus software. Enable automatic updates to ensure you have the latest security patches.
Important information regarding fraud reporting and liability
Zero Liability Protection: Finvera Bank provides Zero Liability Protection for unauthorized transactions reported within 60 days of the statement date. You will not be held responsible for unauthorized charges made to your account, provided you report them promptly and have not engaged in gross negligence.
Reporting Requirements: Federal law requires you to notify Finvera Bank within two business days after learning of the loss or theft of your card or account credentials to limit your liability. Failure to report within this timeframe may increase your liability for unauthorized transactions.
Investigation Timeline: Upon receipt of a fraud report, Finvera Bank will initiate an investigation within one business day. Provisional credit may be issued within 10 business days, pending the outcome of the investigation. Final resolution typically occurs within 45 days for domestic transactions and 90 days for international transactions.
Law Enforcement Cooperation: Finvera Bank cooperates fully with law enforcement agencies. Information from fraud reports may be shared with appropriate authorities. You may be required to file a police report for certain types of fraud.
False Reporting: Submitting a false fraud report is a serious offense that may result in criminal prosecution, civil liability, and immediate account closure. All fraud reports are subject to investigation and verification.
For complete terms and conditions, please refer to your Account Agreement. Questions regarding fraud liability or reporting requirements should be directed to our Customer Service department at 1-800-FINVERA.
Member FDIC. Finvera Bank is a federally insured financial institution. Deposits are insured up to $250,000 per depositor.