Fraud Awareness

Texas Capital Bank Fraud Awareness

As a customer of Texas Capital Bank, the security of your personal and account information is extremely important to us. Practicing good security habits can ensure that your private information is protected.

Traveling Abroad

If you plan to use your Visa® Debit Card or ATM Card while traveling abroad, please read these precautions before you begin your trip.

  • Please advise Texas Capital Bank about your travel plans so you have immediate access to your funds. We work hard to protect your account against fraudulent transactions. If we see unusual card activity, we may temporarily freeze your account until we’re able to verify the transaction(s) with you.
  • Safeguard your card. Keep your Visa® Debit Card or ATM card in a safe place at all times.
  • Protect your Personal Identification Number (PIN). Do not write your PIN on your Debit Card or ATM Card.
  • Know your daily cash withdrawal limit.
  • Minimize your transactions. Fewer transactions will reduce your exposure to fraud and fees.
  • Keep your receipts. Retain the receipts of your transactions so you can reconcile your account when your statement arrives.

To advise us of your travel plans or if you suspect unusual transactions on your account, immediately contact us at 877.839.2265.

Alert - Visa® Phishing Scam

Security Notice: Phishing

On 5/23/06 we were informed of a fraudulent email, often called "phishing," targeted toward bank and credit union cardholders. The email claims to be from Visa® and asks cardholders to reactivate their cards by entering account information and then create a new password. The email also states that if the cardholder does not comply, the account will be suspended indefinitely.

Please note that neither Visa® nor Texas Capital Bank will ever ask cardholders to divulge account information or password via email. If you receive any questionable emails, Do Not Reply or Contact the Website referenced in the bogus email. If you have questions call Texas Capital Bank Client Support at 877.839.2265.

Email Scam Alert

In a continuing effort to protect our account holders against fraud and "Identity Theft," we want to make you aware of another phishing scam that has just been discovered. Fraudsters are targeting select companies and individuals with an email that appears to be from Visa® asking them to register their credit and/or debit card with the Verified by Visa® program. Although Verified by Visa® is a very secure and valid program, this fraudulent email is only an attempt to obtain your personal information. The email looks very authentic at first glance. However, when you click on the link to register your card you are presented with a page that asks for your card number, CVC (card verification code), bank name, bank account number, bank routing number and your social security number. The actual Verified by Visa® program does not require you to enter any of this information with the exception of your credit and/or debit card number. Neither, Visa® nor Texas Capital Bank will ever ask for any of your personal information via an email. Visa® and the FBI are currently investigating the origin of these emails. If you receive a similar email please notify us at 877.839.2265 so we can promptly report the incident to Visa®.

We are advising our bank clients of this phishing scam in order to protect and increase the overall value they receive from using their Texas Capital Bank credit and/or debit card. Protecting our cardholders from this type of fraud is extremely important, and we will continue to be vigilant and proactive in providing our cardholders with up-to-date information.

Security Notice: Phishing

As a customer of Texas Capital Bank, the security of your personal and account information is extremely important to us. Practicing good security habits can help to ensure that your private information is protected. Recently, identity thieves have been sending bogus emails to trick customers into divulging personal or financial information. Many of the emails feature authentic company logos and trademark language. In addition, the links in these emails direct you to websites that are exact copies of the legitimate bank website.

Important: Texas Capital Bank will never ask for your Access ID or Password via email.

We do not send out emails requesting personal information. If you receive an email requesting such information, do not respond. If you have already responded, please notify us immediately by calling our Client Support Center at 877.839.2265.

Helpful Security Tips:

  • Never disclose ANY personal identifying information if requested via an unsolicited email or phone call. This includes:
    • Account numbers or credit card numbers
    • Personal Identification Numbers (PIN) or passwords
    • Social Security Number
    • Mothers maiden name
    • Other private information
  • Never reveal your PIN to anyone, including Texas Capital Bank employees
  • Change your PIN frequently by calling the Client Support Center at 877.839.2265
  • Store your card number and PIN separately, and never write your PIN on your card
  • If you use Texas Capital Bank’s BankNow® Online Banking, log out when finished and close your browser before leaving your computer
  • Never leave your computer unattended during a Texas Capital Bank BankNow® Online Banking session
  • Be wary of any email asking you to log into Texas Capital Bank BankNowSM Online Banking if it does not link to the official Texas Capital Bank BankNow® Online Banking site. Also, be suspicious if you are asked to enter any personal identifying information into an unexpected pop-up window even if it looks official

Call 877.839.2265 if you have any questions regarding emails or phone calls soliciting information about your Texas Capital Bank account(s).

Learn More:

Creating a Strong Password — Don't Let a Hacker Steal Your Information

The responsibility of selecting a strong password, one that is hard to guess, generally falls to each individual.

For example, if you choose a one-character password, any uppercase letter, lowercase letter or digit, there would be 62 possible passwords. Clearly, a would-be hacker could try all 62 possibilities very quickly.

You could make your password harder to guess by using more characters. Using the same possible characters, there are 3,844 possible two-character passwords and 218,340,105,584,896 (about 218 trillion) 8-character passwords. Even if a would-be hacker could try out 5,000 eight-character passwords per second, it would take, on average, 700 years for them to guess your 8-character password. Clearly, longer passwords are more secure than shorter ones!

It's important to note that even though a password is long, it does not necessarily mean it is secure. For example, you might choose a long password based on something you know - like your spouse's name, child's name or some dictionary word. If you do this, then instead of trying 218 trillion passwords, this hacker could probably guess your password after a few thousand attempts. If they use a computer program to guess passwords, this will only take them a few minutes.

To decrease the chances of anyone ever guessing your password, you must select a hard-to-guess or strong password. A strong password must:

  • Be as long as possible (never shorter than 6 characters, 8 or more characters is strongly recommended)
  • Include mixed-case letters, if possible
  • Include digits and punctuation marks, if possible
  • Not be based on any personal information
  • Not be based on any dictionary word, in any language

No matter how many strength rules you use, the persistent hacker will eventually guess your password given enough time. Thus, you must also:

  • Change your password regularly (ideally once a month) in order to limit the amount of time available for hackers to guess it
  • Do not use the same password twice

Never divulge your password to anyone. There are numerous ruses out there designed to get you to give a would-be hacker your password. Don't do it!

Credit and ATM Cards: What to Do If They Are Lost or Stolen

Many people find it easy and convenient to use credit and ATM cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you and businesses to use if your cards are lost or stolen.

Limiting Your Financial Loss

Report the loss or theft of your credit and ATM cards to the card issuers as quickly as possible. Many companies have toll-free numbers and 24-hour service to deal with such emergencies. It's a good idea to follow up your phone calls with a letter. Include your account number, when you noticed your card was missing, and the date you first reported the loss.

You also may want to check your homeowner's insurance policy to see if it covers your liability for card thefts. If not, some insurance companies will allow you to change your policy to include this protection.

  • Credit Card Loss. If you report the loss before the cards are used, the FCBA says the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your cards before you report them missing, the most you will owe for unauthorized charges is $50 per card. This is true even if a thief uses your credit card at an ATM machine to access your credit card account.

However, it's not enough simply to report your credit card loss. After the loss, review your billing statements carefully. If they show any unauthorized charges, send a letter to the card issuer describing each questionable charge. Again, tell the card issuer the date your card was lost or stolen and when you first reported it to them. Be sure to send the letter to the address provided for billing errors. Do not send it with a payment or to the address where you send your payments unless you are directed to do so.

  • ATM Card Loss. If you report an ATM card missing before it's used without your permission, the EFTA says the card issuer cannot hold you responsible for any unauthorized withdrawals. If unauthorized use occurs before you report it, the amount you can be held liable for depends upon how quickly you report the loss. For example, if you report the loss within two business days after you realize your card is missing, you will not be responsible for more than $50 for unauthorized use.

However, if you don't report the loss within two business days after you discover the loss, you could lose up to $500 because of an unauthorized withdrawal. You risk unlimited loss if you fail to report an unauthorized transfer or withdrawal within 60 days after your bank statement is mailed to you. That means you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts.

If unauthorized transactions show up on your bank statement, report them to the card issuer as quickly as possible. Once you've reported the loss of your ATM card, you cannot be held liable for additional amounts, even if more unauthorized transactions are made.

Protecting Your Cards

The best protections against card fraud are to know where your cards are at all times and to keep them secure. For ATM card protection, it's important to keep your Personal Identification Number (PIN) a secret. Don't use your address, birth date, phone or social security number. Memorize the number. Statistics show that in one-third of ATM card frauds, cardholders wrote their PIN on their ATM cards or on slips of paper kept with their cards.

The following suggestions may help you protect your credit and ATM card accounts.

For Credit Cards:

  • Be cautious about disclosing your account number over the phone unless you know you are dealing with a reputable company.
  • Never put your account number on the outside of an envelope or on a postcard.
  • Draw a line through blank spaces on charge slips above the total so the amount cannot be changed.
  • Don't sign a blank charge slip.
  • Tear up carbons and save your receipts to check against your monthly billing statements.
  • Open billing statements promptly and compare them with your receipts. Report mistakes or discrepancies as soon as possible to the special address listed on your statement for "billing inquiries." Under the FCBA, the card issuer must investigate billing errors reported to them within 60 days of the date your statement was mailed to you.
  • Keep a record — in a safe place separate from your cards — of your account numbers, expiration dates, and the telephone numbers of each card issuer so you can report a loss quickly.
  • Carry only those cards that you anticipate you'll need.

For ATM cards:

  • Don't carry your PIN in your wallet or purse or write it on your ATM card.
  • Never write your PIN on the outside of a deposit slip, an envelope or on a postcard.
  • Take your ATM receipt after completing a transaction.
  • Reconcile all ATM receipts with bank statements as soon as possible.

Buying a Registration Service

For an annual fee of $10 to $35, companies will notify the issuers of your credit and ATM accounts if your card is lost or stolen. This service allows you to make only one phone call to report all card losses rather than calling individual issuers. Most services also will request replacement cards on your behalf.

Purchasing a card registration service may be convenient, but it's not required. The FCBA and the EFTA give you the right to contact your card issuers directly in the event of a loss or suspected unauthorized use.

If you decide to buy a registration service, compare offers. Carefully read the contract to determine the company's obligations and your liability. For example, will the company reimburse you if it fails to notify card issuers promptly once you've called in the loss to the service? If not, you could be liable for unauthorized charges.

For More Information

The following federal agencies are responsible for enforcing federal laws that govern credit and ATM card transactions. Questions concerning a particular card issuer should be directed to the enforcement agency responsible for that issuer.

State Member Banks of the Federal Reserve System

Consumer and Community Affairs
Board of Governors of the Federal Reserve System
20th & C Street., N.W.
Washington, D.C. 20551

National Banks

Comptroller of the Currency
Compliance Management
Mail Stop 7-5
Washington, D.C. 20219

Federal Credit Unions

National Credit Union Administration
1776 G St., N.W.
Washington, D.C. 20456

Non-Member Federally Insured Banks

Office of Consumer Programs
Federal Deposit Insurance Corporation
550 Seventeenth St., N.W.
Washington, D.C. 20429

Federally Insured Savings and Loans and Federally Chartered State Banks

Consumer Affairs Program
Office of Thrift Supervision
1700 G St., N.W.
Washington, D.C. 20552

Other Credit Card Issuers

(includes retail/gasoline companies)
Consumer Response Center
Federal Trade Commission
Washington, D.C. 20580

Avoiding Credit and Charge Card Fraud

A thief goes through trash to find discarded receipts or carbons and then uses your account numbers illegally.

A dishonest clerk makes an extra imprint from your credit or charge card and uses it to make personal charges.

ou respond to a mailing asking you to call a long distance number for a free trip or bargain-priced travel package. You're told you must join a travel club first and you're asked for your account number so you can be billed. The catch Charges you didn't make are added to your bill, and you never get your trip.

Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge.

It's not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility.

Guarding Against Fraud

Here are some tips to help protect yourself from credit and charge card fraud.


  • Sign your cards as soon as they arrive.
  • Carry your cards separately from your wallet, in a zippered compartment, a business card holder or another small pouch.
  • Keep a record of your account numbers, their expiration dates and the phone number and address of each company in a secure place.
  • Keep an eye on your card during the transaction and get it back as quickly as possible.
  • Void incorrect receipts.
  • Destroy carbons.
  • Save receipts to compare with billing statements.
  • Open bills promptly and reconcile accounts monthly, just as you would your checking account.
  • Report any questionable charges promptly and in writing to the card issuer.
  • Notify card companies in advance of a change in address.


  • Lend your card(s) to anyone.
  • Leave cards or receipts lying around.
  • Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.
  • Write your account number on a postcard or the outside of an envelope.
  • Give out your account number over the phone unless you're making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau.

Reporting Losses and Fraud

If you lose your credit or charge cards or if you realize they've been lost or stolen, immediately call the issuer(s). Many companies have toll-free numbers and 24-hour service to deal with such emergencies. By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card. If you suspect fraud, you may be asked to sign a statement under oath that you did not make the purchase(s) in question.

Getting Purse-onal

A lost or stolen wallet or purse is a gold mine of information for a new kind of crook - the identity thief.

Identity thieves can use information found in your wallet or purse from credit cards, checks, your Social Security card, even health insurance cards to establish new accounts in your name. That could create an identity crisis that can take months to detect and even longer to unravel.

If your wallet or purse is lost or stolen, the Federal Trade Commission suggests that you:

  • File a report with the police immediately. Get a copy in case your bank, Credit Card Company or insurance company needs proof of the crime.
  • Cancel each credit and charge card. Get new cards with new account numbers. Call the fraud departments of the major credit reporting agencies. Ask them to put a "fraud alert" on your account and add a "victim's statement" to your file requesting that creditors contact you before opening new accounts in your name.
    Equifax 800-525-6285
    Experian 888- 397-3742
    TransUnion 800-680-7289
  • Ask the credit bureaus for copies of your credit reports. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts. In a few months, order new copies of your reports to verify your corrections and changes, and to make sure no new fraudulent activity has occurred.
  • Report the loss to your bank if your wallet or purse contained bank account information, including account numbers, ATM cards or checks. Cancel checking and savings accounts and open new ones. Stop payments on outstanding checks.
  • Get a new ATM card, account number and Personal Identification Number (PIN) or password.
  • Report your missing driver's license to the department of motor vehicles. If your state uses your Social Security number as your driver's license number, ask to substitute another number.

Change the locks on your home and car if your keys were taken. Don't give an identity thief access to even more personal property and information.

Identity Crisis: What to Do If Your Identity is Stolen

"I don't remember opening that credit card account. And I certainly didn't buy those items I'm being billed for."

Maybe you never opened that account, but someone else did...someone who used your name and personal information to commit fraud. When an imposter co-opts your name, your Social Security number (SSN), your credit card number or some other piece of your personal information for their use. In short, when someone appropriates your personal information without your knowledge-it's a crime, pure and simple.

The biggest problem? You may not know your identity's been stolen until you notice that something's amiss: you may get bills for a credit card account you never opened, your credit report may include debts you never knew you had, a billing cycle may pass without your receiving a statement, or you may see charges on your bills that you didn't sign for, didn't authorize and don't know anything about.

First Things First

If someone has stolen your identity, the Federal Trade Commission recommends that you take three actions immediately.

First, contact the fraud departments of each of the three major credit bureaus. Tell them to flag your file with a fraud alert including a statement that creditors should get your permission before opening any new accounts in your name.

At the same time, ask the credit bureaus for copies of your credit reports. Credit bureaus must give you a free copy of your report if it is inaccurate because of fraud. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts. In a few months, order new copies of your reports to verify your corrections and changes, and to make sure no new fraudulent activity has occurred.

Report Fraud Order Credit Report Web Site
Equifax (800) 525-6285 (800) 685-1111
Experian (888) 397-3742 (888) 397-3742
Trans Union (800) 680-7289 (800) 916-8800

Second, contact the creditors for any accounts that have been tampered with or opened fraudulently. Ask to speak with someone in the security or fraud department, and follow up in writing. Following up with a letter is one of the procedures spelled out in the Fair Credit Billing Act for resolving errors on credit billing statements, including charges that you have not made.

Third, file a report with your local police or the police in the community where the identity theft took place. Keep a copy in case your creditors need proof of the crime.

Next, Take Control

Although identity thieves can wreak havoc on your personal finances, there are some things you can do to take control of the situation. Here's how to handle some of the most common forms of identity theft.

If an identity thief has stolen your mail for access to new credit cards, bank and credit card statements, pre-approved credit offers and tax information or falsified change-of-address forms, (s) he has committed a crime. Report it to your local postal inspector.

If you discover that an identity thief has changed the billing address on an existing credit card account, close the account. When you open a new account, ask that a password be used before any inquiries or changes can be made on the account. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers. Avoid the same information and numbers when you create a Personal Identification Number (PIN).

If you have reason to believe that an identity thief has accessed your bank accounts, checking account or ATM card, close the accounts immediately. When you open new accounts, insist on password-only access. If your checks have been stolen or misused, stop payment. If your ATM card has been lost, stolen or otherwise compromised, cancel the card and get another with a new PIN.

If an identity thief has established new phone or wireless service in your name and is making unauthorized calls that appear to come from-and are billed to-your cellular phone, or is using your calling card and PIN, contact your service provider immediately to cancel the account and calling card. Get new accounts and new PINs.

If it appears that someone is using your SSN when applying for a job, get in touch with the Social Security Administration (SSA) to verify the accuracy of your reported earnings and that your name is reported correctly. Call 800.772.1213 to check your Social Security statement.

In addition, the SSA may issue you a new SSN at your request if, after trying to resolve the problems brought on by identity theft, you continue to experience problems. Consider this option carefully. A new SSN may not resolve your identity theft problems, and may actually create new problems. For example, a new SSN does not necessarily ensure a new credit record because credit bureaus may combine the credit records from your old SSN with those from your new SSN. Even when the old credit information is not associated with your new SSN, the absence of any credit history under your new SSN may make it more difficult for you to get credit. And finally, there's no guarantee that a new SSN wouldn't also be misused by an identity thief.

If you suspect that your name or SSN is being used by an identity thief to get a driver's license, report it to your Department of Motor Vehicles. Also, if your state uses your SSN as your driver's license number, ask to substitute another number.

Stay Alert

Taking the steps outlined here should, in most cases, resolve your identity theft problems, but identity theft or related credit problems may reoccur. Stay alert to new instances of identity theft. Notify the company or creditor that's involved immediately. Follow up in writing.

Order a copy of your credit report from the three credit bureaus every year to check on their accuracy and whether they include only those debts and loans you've incurred. This could be very important if you're considering a major purchase, such as a house or a car. A credit bureau may charge you up to $8.50 for a copy of your report.

Protecting Yourself Against Identity Theft

Identity theft and account fraud are crimes committed when someone steals personal information such as your bank account number or Social Security number, then poses as you and takes funds from your account or accrues debt in your name.

To better protect yourself against identity theft and account fraud:

  • Don't give out your account numbers or your Social Security number over the phone unless you initiate the call and you know whom you are dealing with.
  • Report lost or stolen checks immediately. Promptly review all checks when you receive new deliveries of checks to be sure none have been stolen in transit.
  • Store cancelled checks - and new checks - in a safe place.
  • Notify financial institutions immediately if you receive a suspicious phone call from someone purporting to represent the institution and asking for account information "to verify a statement" or "award a prize". Call the client support number listed on your statement if you receive this kind of call from someone who says he or she presents your bank.
  • Guard your ATM personal identification number (PIN) and all ATM receipts.
  • Before throwing them away, tear up all financial solicitations you receive in the mail. Do the same for all other financial statements, invoices, or ATM receipts you wish to discard. A small personal shredder is a good device to have to help with destroying financial documents rather than throwing in the trash.
  • Do not put outgoing mail in your mailbox. All mail should be dropped in a secure postal service collection box. Thieves may use your mail to steal your identity.
  • If regular bills fail to reach you, contact those companies to find out why. Someone may have filed a false change-of-address form to divert your information to his or her address.
  • If bills include suspicious items, investigate promptly to head off possible fraud before it occurs.
  • Periodically contact the major credit reporting agencies to review your credit file and be sure all information is correct. For a small fee, you can obtain a copy of your credit report at any time. Contact the agencies at the numbers listed below:
    Equifax 800-685-1111
    Experian 888-397-3742
    TransUnion 800-916-8800

  • If you suspect account fraud, please immediately follow these steps:

  • Contact all financial institutions with which you have accounts, including all credit card issuers. Be sure to include specific retail charge cards as well. You may contact Texas Capital Bank at 877-839-2265.
  • Contact the major check verification companies to request that retailers using their databases be notified not to accept the stolen checks. You may contact these companies at the numbers listed below:
    Telecheck 800.710.9898
    International Check Services 800-631-9656
    Equifax 800-437-5120
  • File a police report with your local police department.
  • Contact the three major credit bureaus and request a copy of your credit report. Review your reports for additional fraudulent activity. Request a "fraud alert" for your file and a victim's statement asking creditors to call you before opening any new accounts or changing existing ones.

  • Watch for stolen mail. If you suspect that any mail is not being delivered to you, confirm with the sender and contact your local post office and police. Keep written records of the incident. Include what happened, what was lost or stolen and what steps you took to report the incident to law enforcement and the various agencies, banks and firms involved. Be sure to include the date, time, telephone numbers called, who you spoke to and any other relevant information.

    “A partnership. That's what we have in Texas Capital Bank. They've stood by us through good times and lean times.”

    Melody Timinsky, President and CEO | Volunteers of America Texas