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Security Center

The security of your finances and privacy is our top concern.
Use this Center to learn more about safe cybersecurity practices, plus tips to protect yourself from fraud, scams, and other malicious attacks.

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Security and Safeguards

It is important to Axos Bank to provide a safe and sound online banking experience for our customers. To protect our customers, only those employees, agents, and contractors who need your information to service your accounts have access to the information you provide us.
We also give you information that can help you keep your personal information safe.

The following Security Notice explains how we use and protect information from our customers, applicants, and website visitors. Read more

how we protect you

Your security is our highest priority. Learn more about the security practices we use to keep your accounts safe.

Tips for Preventing Identity Theft

Learn practical strategies for protecting your identity and your data.

Security Steps You Can Take

Learn how to create strong passwords, spot fraud, and keep your accounts secure.

"I seriously love this bank. And no, this is not a paid review. They take the steps to prevent overdraft and prevent companies from pulling money out of any of your accounts unless you have given the bank permission to do so. They also have great fraud prevention."

Ways to Protect Yourself and Your Accounts

How to Report Identify Theft, Fraud, or Suspected Lost or Stolen Cards

For information regarding identity theft and fraud, how to protect yourself, and what to do if you believe you are the victim of identity theft or fraud, please refer to Protect Your Identity for more information.

Axos Bank Privacy & Security FAQs

Identity theft is the unauthorized use of a consumer’s private information. This includes accessing someone’s bank account without permission, using someone else’s credit cards to make fraudulent charges, or stealing someone’s social security number to falsify documents. Essentially, it’s accessing and using stolen financial information.
Ideally, you want to prevent identity theft before it happens. The best way to do this is to be on the lookout for suspicious activity. Here are some things you should look for:

  • Strange Account Activity
    This includes unauthorized funds transfers, purchases in odd locations, or any unfamiliar transactions. If your transaction history has unfamiliar activity, investigate it and, if necessary, contact your bank to report fraud. Even if the transaction is small, you must take care of it immediately – fraudsters often use small amounts to “test” the account to prepare for bigger withdrawals later.
  • Suspicious Emails, Phone Calls, or Text Messages
    If someone calls you to “verify” your bank information, hang up immediately. The same goes for emails or text messages – delete them and, if possible, report them to your bank. A reputable bank will never contact you for to “confirm” personal identifying information. If they need to contact you, they will do so through a secure portal.
    Also, never send money or personal information to strangers. If someone you know requests money or personal information through electronic information, call them to confirm that they requested the information before sending it.
  • Missing Mail
    If you suddenly stop receiving mail from financial companies that you work with, investigate to makes sure that a fraudster is not using your address for malicious activities.
  • Inaccuracies on Credit Reports
    Credit report errors are a major deal and could affect your ability to get new loans and credit cards. They’re also a sign of possible identity theft. If you spot an inaccuracy on your credit report, act immediately. Place a fraud alert with all three credit bureaus until you fully investigate the issue. If it’s just an inaccuracy, contact the credit bureaus to dispute the errors and follow up until it’s corrected. If it is identity theft, you’ll need to report it to the FTC right away.
To prevent identity theft, the best thing you can do is protect your information and accounts. This includes:
  • Freezing your credit (you can unfreeze it when you apply for a new credit card or loan)
  • Monitoring your financial information regularly
  • Create unique, strong passwords for all accounts and use a password manager to store them
  • Use VPNs whenever using public Wi-Fi
  • Limit the amount of personal information you share online
  • Shred papers before throwing them away
To learn more, read our article, Identity Theft: How to Prevent It & How to Repair the Damage.
If you notice unauthorized account activity, you can dispute the transaction(s). To do so:
  1. Log in to online banking.
  2. Select the Accounts tab at the top of your dashboard.
  3. Choose an account.
  4. Select the (…) on the right side of the transaction.
  5. Follow the directions to dispute the transaction.
You should always delete suspicious texts and emails or hang up immediately when you receive a suspicious phone call. As a reminder, your bank will never contact you to request or “confirm” personal information.
In short, yes. We use various tools to protect your financial information, including SSL encryption, firewalls, and automatic logouts of inactive sessions. We also monitor all activity regularly for potential fraud. For further details on how we protect your account, take a look at our security notice.
If you believe you are a victim of identity theft, act quickly to get it resolved. To do so, follow these steps:
  1. Change all your passwords immediately.
  2. Identify and contact the business where the identity theft and fraudulent activity occurred.
  3. Place a fraud alert with all three credit bureaus.
  4. Report the identity theft to the FTC
  5. File a police report with local law enforcement.
  6. Follow up regularly with the appropriate businesses and credit report agencies until the fraudulent activity is removed from your account
For further details on how to resolve identity theft, read our article, Identity Theft: How to Prevent It & How to Repair the Damage.
Yes! Our mobile app is secure. As with online banking, we use various tools to protect your financial information, including SSL encryption, firewalls, and automatic logouts of inactive sessions. We also monitor all activity regularly for potential fraud.
When you use your mobile device, we use unique personal identifiers (similar to cookies) to collect internet activity for marketing purposes.
For further details on how we protect your account, take a look at our security notice here. For more information on how we collect your data, view our privacy notice here.
Lost or Stolen Debit Card
If your debit card is lost or stolen, you can report the card and replace it through online banking (or the mobile app). To do so:
  1. Log in to online banking.
  2. Select the Accounts tab at the top of your dashboard.
  3. Select an account.
  4. Select the Debit Cards tab, then follow the directions to replace your card and report it as stolen.
Lost or Stolen Checks
If your checks were lost or stolen, log in to online banking (or the mobile app) and send us a secure message. We’ll assist you with replacing the checks and ensuring that the lost checks cannot be used.
First, don’t panic – we automatically log out all inactive sessions, so unauthorized users cannot access your account. Contact your mobile device provider to report the phone as lost and replace it. If possible, use a remote service to erase the phone so unauthorized users cannot access any information that’s stored on your device.