Security Tip: To prevent hacks, create an original password for each of your accounts. Read more

Security Center

Name: Security Center
Brand: Axos Bank

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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 keep your digital accounts secure

As we become more reliant on the internet, cybersecurity threats surge. We'll review six strategies to prevent account takeover.

How to Protect Your Accounts with Smarter Passwords

Still changing your password every 90 days? Step up your protection with these smart password management tips.

Are Online Banks Secure? What You Need to Know

We’ll dispel common myths about online banking and share tips on keeping your data secure.

Axos Bank Privacy & Security FAQs

Security Questions

What is identity theft?

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.

How can I spot identity theft?

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.

What can I do to protect myself?

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.

What should I do if I notice account activity that’s not mine?

If you notice unauthorized account activity, you can dispute the transaction(s). To do so:

Log in to online banking.
Select the Accounts tab at the top of your dashboard.
Choose an account.
Select the (…) on the right side of the transaction.
Follow the directions to dispute the transaction.

What do I do if I get a suspicious email, text, or phone call?

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.

Is online banking secure? How do you protect my 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.

What should I do if my identity is stolen?

If you believe you are a victim of identity theft, act quickly to get it resolved. To do so, follow these steps:

Change all your passwords immediately.
Identify and contact the business where the identity theft and fraudulent activity occurred.
Place a fraud alert with all three credit bureaus.
Report the identity theft to the FTC
File a police report with local law enforcement.
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.

Is the Axos mobile app secure? Do you save any information on my mobile device?

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.

What do I do if my card or checks are lost or stolen?

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:

Log in to online banking.
Select the Accounts tab at the top of your dashboard.
Select an account.
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.

I lost my mobile device that has the Axos Bank mobile app installed. What should I do?

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.