Security & Fraud Protection

Your Financial Security is Our Top Priority

Suspect Fraud? Act Immediately!

If you suspect fraudulent activity on your account, contact us immediately:

1-800-NEXUS-BANK (1-800-639-8722)

Available 24/7 • Fraud Hotline

You can also contact us through secure message in online banking or visit any branch location.

Account Security

We employ multiple layers of security to protect your accounts:

  • 256-bit SSL Encryption: All data transmission is encrypted using industry-standard protocols
  • Multi-Factor Authentication: Additional verification steps for enhanced security
  • Secure Login: Advanced password requirements and account lockout protection
  • Session Timeout: Automatic logout after periods of inactivity
  • Device Recognition: Monitoring for unusual login patterns
Security Tip: Never share your login credentials with anyone. Nexus Bank will never ask for your password via phone or email.

Fraud Monitoring

Our advanced fraud detection systems work around the clock:

  • Real-Time Monitoring: 24/7 transaction monitoring for suspicious activity
  • Machine Learning: AI-powered algorithms detect unusual spending patterns
  • Velocity Checks: Monitoring for rapid-fire transactions
  • Geolocation Tracking: Alerts for transactions in unexpected locations
  • Merchant Category Monitoring: Flagging unusual merchant types
We Monitor: Transaction amounts, locations, frequency, and merchant types to identify potential fraud.

Account Alerts

Stay informed with customizable account notifications:

  • Transaction Alerts: Immediate notifications for purchases over your chosen amount
  • Login Alerts: Notifications when your account is accessed
  • Low Balance Alerts: Warnings when account balance is low
  • Bill Payment Alerts: Confirmations for scheduled payments
  • Failed Login Alerts: Notifications of unsuccessful login attempts
Set Up Alerts: Configure alerts through online banking or our mobile app to stay informed about account activity.

Card Protection

Comprehensive debit and credit card security features:

  • EMV Chip Technology: Enhanced security for in-person transactions
  • Contactless Payments: Secure tap-to-pay technology
  • Card Controls: Turn cards on/off instantly through mobile app
  • Travel Notifications: Inform us of travel plans to prevent declines
  • Zero Liability: Protection against unauthorized transactions
Card Safety: Always shield your PIN when entering it and regularly check your statements for unauthorized charges.

Mobile Banking Security

Secure mobile banking with advanced protection:

  • Biometric Authentication: Fingerprint and facial recognition login
  • App Store Verification: Download only from official app stores
  • Device Registration: Secure device enrollment process
  • Remote Logout: Sign out from all devices if phone is lost
  • App-Specific PINs: Additional layer of mobile security
Mobile Security: Use official app stores, enable automatic updates, and use device lock screens.

Identity Protection

Comprehensive identity verification and protection:

  • Identity Verification: Multi-step verification during account opening
  • Document Authentication: Advanced document verification technology
  • Social Security Monitoring: Alerts for SSN usage
  • Address Verification: Confirmation of residential addresses
  • Know Your Customer (KYC): Ongoing customer due diligence
Identity Safety: Protect your SSN, never give personal information to unsolicited callers.

If You Suspect Fraud - Take These Steps

1

Contact Us Immediately

Call our 24/7 fraud hotline: 1-800-NEXUS-BANK

Or use secure messaging in online banking

2

Review Your Accounts

Check all account statements and recent transactions

Note any unauthorized or suspicious activity

3

Change Your Credentials

Update passwords, PINs, and security questions

Enable additional security features

4

File a Police Report

For identity theft or significant fraud

Obtain a copy of the report for your records

5

Monitor Your Credit

Check credit reports from all three bureaus

Consider placing fraud alerts or credit freezes

6

Stay Vigilant

Continue monitoring accounts regularly

Set up account alerts for ongoing protection

Common Fraud Types to Watch For

Phishing Scams

Fraudulent emails, texts, or calls requesting personal information

Red Flags:
  • Urgent requests for account information
  • Poor grammar or spelling
  • Links to suspicious websites
  • Requests to "verify" account details

Card Skimming

Devices that steal card information at ATMs or card readers

Red Flags:
  • Loose or damaged card readers
  • Hidden cameras near PIN pads
  • Unusual attachments on ATMs
  • Difficulty inserting your card

Identity Theft

Someone uses your personal information to open accounts or make purchases

Red Flags:
  • Unexpected bills or accounts
  • Missing mail or statements
  • Unfamiliar credit inquiries
  • Calls about accounts you didn't open

Online Shopping Fraud

Fake websites or sellers that steal payment information

Red Flags:
  • Too-good-to-be-true prices
  • No secure payment options
  • Poor website design or functionality
  • No contact information provided

Our Advanced Security Technologies

AI Fraud Detection

Machine learning algorithms that adapt to new fraud patterns

Biometric Authentication

Fingerprint and facial recognition for secure access

Real-Time Processing

Instant transaction analysis and fraud scoring

Encrypted Data Storage

Military-grade encryption for all stored information

Geolocation Services

Location-based transaction verification

24/7 Monitoring

Round-the-clock security operations center

Your Rights and Protections

Regulation E Protection

Federal regulation that limits your liability for unauthorized electronic transactions:

  • $0 liability if reported before any unauthorized use
  • $50 maximum if reported within 2 business days
  • $500 maximum if reported within 60 days
  • Unlimited liability if not reported within 60 days

FDIC Insurance

Your deposits are protected by federal insurance:

  • $250,000 coverage per depositor, per institution
  • Automatic protection - no application needed
  • Separate coverage for different account types
  • Joint accounts receive additional coverage

Fair Credit Billing Act

Protection for credit card transactions:

  • Right to dispute billing errors
  • Investigation period for disputes
  • Temporary credit during investigations
  • Written resolution of disputes

Security Support Team

Fraud Hotline

1-800-NEXUS-BANK

Available 24/7 for fraud emergencies

Secure Email

security@nexussecuretrust.com

For non-urgent security questions

Online Banking

Secure Message Center

Send encrypted messages through your account