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FDIC-Insured—Backed by the full faith and credit of the U.S. Government
CONSUMERS ARE PAYING THE PRICE
Every day, scammers are posing as trusted sources, such as banks, government agencies, law enforcement and loved ones, to convince individuals to reveal personal information.
HERE'S WHAT YOU NEED TO KNOW:
- Online, text and phone schemes aim to steal confidential account numbers, passwords, and PINs
- The FTC reports that consumers lost 12.5 billion to scams and fraud in 2024 – a 25% increase over 2023
- With digital banking on the rise, scammers are exploiting new ways to access personal and financial information
HOW TO RECOGNIZE RED FLAGS ?
Be suspicious of any email or text messages that ask you to click a link, download an attachment or share personal information. Red flags can include spelling errors, generic greetings ("Dear Customer") and threatening language.
Here's what you need to know:
- Caller ID can be spoofed – Be cautious even if the number is local or seems familiar.
- Legitimate institutions won't ask for financial details – Never share personal information with an unknown, unverified caller.
- Contact TFSB right away
- Change your passwords immediately and visit IdentityTheft.gov
- Report the fraud to the FTC at ReportFraud.ftc.gov
- Depending on the situation, you may want to file a police report
🔒 Be wary of public Wi-Fi at cafés, airports and hotels with unsecured networks that make it easy for criminals to intercept your data.
TIP: When you need to access bank information on the go, use your phone's data, which provides a more secure, encrypted connection.
🛡️ Enable Two-Factor/Multi-Factor Authentication (2FA/MFA), which is the most effective step you can take to protect your information.
TIP: Log in to your Toyota Bank account, go to Security or Profile settings, find Multi-Factor or Two-Factor Authentication and follow the steps to link to your phone number or authenticator app.
🔑 Use passphrases and a password manager to create unique online passwords and avoid using the same one for multiple logins.
TIP: Create passwords at least 12–15 characters long that mix uppercase and lowercase letters, numbers and symbols, or create a complex phrase only you can crack.
🎣 Beware of Phishing scams, which is the primary way criminals use urgency to trick you into giving them your login information.
TIP: Be suspicious of any unsolicited message that asks you to click a link, download an attachment, or provide personal information. Look for red flags like spelling errors, generic greetings, and threatening language.
📱 Be careful with social media and be aware of what you're sharing online. Cyber-criminals easily gather details like place or date of birth, a pet's name, mother's maiden name, and other key information that can help them steal your password.
TIP: Keep your profile set to private and avoid accepting 'friend' requests from people you don't know or trust.
Even if you think it's not possible to be fooled, scenarios may arise that can catch you off guard. These videos can provide tips to help you stay safe from scammers.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Products offered by Toyota Financial Savings Bank. Deposits in savings accounts, money market accounts, and Certificates of Deposit (CDs) are insured up to $250,000 per depositor, per insured bank, for each account ownership category under the FDIC's general deposit insurance rules.
1. Money Market and Savings Accounts: Minimum opening deposit for a Personal Money Market and a Personal Savings Account is $500.00. Minimum opening deposit for a Business Money Market and a Business Savings Account is $2,500.00. Interest Rates and APYs on Money Market and Savings accounts may change after the account is open.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Products offered by Toyota Financial Savings Bank. Deposits in savings accounts, money market accounts, and Certificates of Deposit (CDs) are insured up to $250,000 per depositor, per insured bank, for each account ownership category under the FDIC's general deposit insurance rules.
2. Certificates of Deposit: Minimum opening deposit for a Certificate of Deposit account is $1.00. Interest Rates and APYs for Certificates of Deposits are fixed and are guaranteed for the length of the initial term. All Certificates of Deposits may be subject to an early withdrawal penalty. All Certificates of Deposit are automatically renewable.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Products offered by Toyota Financial Savings Bank. Deposits in savings accounts, money market accounts, and Certificates of Deposit (CDs) are insured up to $250,000 per depositor, per insured bank, for each account ownership category under the FDIC's general deposit insurance rules.
3. FDIC INSURANCE: Funds in your account(s) with us are insured by the Federal Deposit Insurance Corporation (FDIC) and backed by the full faith and credit of the United States government. Deposits in savings accounts, money market accounts, and Certificates of Deposit (CDs) are insured up to $250,000 per depositor, per insured bank, for each account ownership category under the FDIC's general deposit insurance rules. FDIC insurance available to legal limits
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosure here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available in legal limits. Products offered by Toyota Financial Savings Bank.
4. Upon completion of approved application and subject to eligibility requirements.