We've got your back

Keeping your accounts and money safe and sound

In today’s online world, it’s vital that you have the tools and take the necessary steps to keep your information safe and secure. And we’re here to help.

Your financial information is one of the most important things you can keep secure, and our goal is to provide the protection you need to bank with confidence. Client security is our top priority, and every associate is held to strict privacy and information security rules.

Encryption technology

Our website and app use strong encryption technology to protect your username, password and personal account information. To ensure you are on a web page with encryption, look for “https://” and a lock symbol in your web browser.

Fraud detection

We monitor data in order to detect fraud and unauthorized use. If we notice suspicious activity on your account, we may contact you by phone, text, email or mail to confirm you have authorized that purchase.

Web Safety Guarantee

Our Web Safety Guarantee provides protection for certain lost or misdirected funds and bill payment fees. See full guarantee coverage details 

Our associates

We believe we are defined by how we behave and never compromise the integrity and high ethical standards we expect from our associates. You can rest assured that we have policies and procedures in place regarding the way we expect associates to protect your confidential information (including your account and personal information), as well as guidelines to restrict how we use and share information for certain processes and transactions.

We’ve instituted policies, procedures, associate training and communication programs designed for the purpose of protecting your information. The following are some examples of how we protect your information:

  • Restricting access to NPI (nonpublic personal information) to only those persons within the business who need to know the information in order to process or service client accounts
  • Requiring third parties doing business with us to comply with all applicable privacy and security laws
  • Maintaining physical, electronic and procedural safeguards that comply with federal and state standards to safeguard NPI

Those who become victimized by identity theft often face significant personal stress and the potential for financial loss. For our clients with a TIAA Bank debit card, if you ever become a victim of identity theft, you may qualify for up to $1,000 in reimbursement coverage for certain identity theft-related expenses.

Certain terms, conditions and exclusions apply. For further details, please refer to our Guide to Benefits 

We’re pleased to be a direct provider of Trusteer Rapport, a leading software solution that will button up the security of your computer when banking with us online.

Trusteer Rapport keys in on crime
  • Prevents malware from tampering with online transactions
  • Removes malicious malware from computer
  • Sends reports of malware and phishing attempts
  • Protects online banking login information
  • Shows you when you are on an unprotected site
  • Works with installed antivirus software

Our commitment

Our web safety guarantee

We can’t emphasize enough how dedicated we are to making sure you trust us with your money. So we let our guarantee do the talking.

Learn More

Bank with confidence

Take the right steps to protect your money

There are a variety of things you can do to enhance the protection of your TIAA Bank accounts. Take a look at the ways you can help increase your online and mobile banking security.

Learning and using smart online safety practices can help keep threats of identity theft and fraud at bay. A good place to start is to remember that you should never share your account User ID or Password with anyone, and don’t save your Password in your browser. Here are a few more tips:

  • Use a strong, unique password for your TIAA Bank online account.
  • Enable two-factor authentication via your security profile.
  • If you receive an email that appears to be from TIAA Bank that is filtered into your junk folder, leave it there.
  • Never send confidential information through unsecured email, fax or texts.
  • Try to use an email provider that asks you to verify your identity in multiple steps.
  • Be careful with what you share on social media.
Set up free Account Alerts

Account alerts are a great way to keep track of your finances to detect withdrawals you didn’t authorize or other suspicious account activity. Alerts can help you monitor your account balance and transactions, and inform you of recent changes so you can take action immediately to help avoid fraud or unexpected charges.

Sign up through online banking to receive alerts by email or text message.

Identity theft is a fast-growing crime, and many times it happens before you even realize it. So here are some ways you can take precautions to minimize your risks:

  • Review your statements for unusual transactions or suspicious charges.
  • When using the TIAA mobile app, set up push alerts and be sure to review and respond to alerts promptly.
  • Be sure to keep your contact information current (including your cell phone number and email address).
  • Create a unique default ID for your internet router and change the password to make it more difficult for hackers to access your network.
Review your credit reports

Even if you don’t suspect any unauthorized activity on your account, it’s a good practice to carefully review your credit reports at least once a year. You can request a free annual credit report from each of the three national credit reporting agencies. You can request all three reports at once, or space them out throughout the year.

There are a variety of ways you can lessen the risks of fraud when using your computers and laptops. Remember, the best offense is a good defense when it comes to your online financial security.

  • Only download software or applications from well-known or reputable sources, such as Apple, Google Play and Microsoft. Check the logos, developer names and reviews to spot fake applications. Scammers count on users being too busy to see differences that can make fake software easier to spot.
  • Install operating system and software updates (sometimes called patches or service packs).
  • Turn off Wi-Fi and Bluetooth services when you’re not using them, and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like VPN software.
  • Back up your data regularly. If you use online or cloud storage, be sure you understand your provider’s privacy and security policies and keep your access codes safe.
  • Use the administrator login on your home computer only for creating new users and installing software. If you use administrator accounts when browsing the internet, banking or reading email, the risk of malicious code entering your computer without detection is much greater. Create standard user accounts for yourself and everyone in your family to limit your exposure.

More and more, we are all handling sensitive personal and financial information on our mobile phones. While it may be a convenient way to accomplish daily tasks, it’s also another avenue for scammers and fraudsters to try and steal your information and/or identity. So, it’s imperative that you remember to apply the following security measures to your mobile life:

  • When using the TIAA mobile app, set up push alerts and be sure to review and respond to alerts promptly.
  • Always lock your phone and open via a security code/PIN, fingerprint scan, or facial recognition.
  • Enable remote wipe and “find my phone” features to make sure you’re covered if your phone is lost.
  • Only download software or applications from well-known or trusted sources—and never click a link from an unknown source or sender.
  • Install system and software updates (sometimes called patches or service packs).
  • Turn off Wi-Fi and Bluetooth services when you’re not using them, and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like VPN software.
  • Never root or jailbreak your own mobile device to gain access to unofficial applications. This practice may lead to security vulnerabilities and the inability to apply future software updates from the vendor.

Fraud schemes are on the rise, and scammers have been known to use a variety of different methods to try to obtain personal information, including the use of emails and telephone calls. Here are a few tips to help you protect your personal information from telephone or email phishing scams:

  • If you receive a suspicious call, text or email from someone claiming to be from TIAA Bank, do not respond, click links or open attachments. If this has happened to you, contact us right away at 1-888-882-3837.
  • Do not provide your personal secure information to an unsolicited caller. We will never initiate a call asking you to provide your full account number, online/mobile banking passwords, PINs or complete Social Security number over the phone, except limited instances when we are returning a call at your request.
  • Never respond to a phone call or voice mail service asking you to verify account information or reactivate a bank service, even if the caller recites some of your account information to you. They may have obtained the information from another source and are enticing you to provide additional details that would help them access your accounts.
  • Do you think you’ve been the victim of a scam? Report your experience to the FTC  and/or to the FBI’s Internet Crime Complaint Center . Be as descriptive as possible and provide as many specific details as you can.

Prevent identity theft

Good defense is the best offense

Know the risks and be aware of the common schemes, so you can take the necessary measures to guard against them.

Learn More

Everyday safeguards

Put your financial information on lockdown

One way to keep your information secure is to be proactive and protect yourself with smart technology and safe practices. Use these tools and tips to help fend off security threats before they happen.

We’re pleased to be a direct provider of Trusteer Rapport, a leading software solution that will button up the security of your computer when banking with us online.

Trusteer Rapport keys in on crime
  • Prevents malware from tampering with online transactions
  • Removes malicious malware from computer
  • Sends reports of malware and phishing attempts
  • Protects online banking login information
  • Shows you when you are on an unprotected site
  • Works with installed antivirus software

We’ve added an extra layer of security to your account login experience with a two-factor authentication feature, which can help stop unauthorized access to your account. We will employ this security feature at times when our system detects a potential threat. You also have the option to enable two-factor authentication every time you log in.

What is two-factor authentication?

With two-factor authentication, you will use two different components to log in to your account—your password and a temporary identification code sent via text or phone call. This makes two-factor authentication a more effective way to secure your account access rather than just using a password alone, and it makes it more difficult for criminals to access your accounts.

Enable additional security
  • Log in to your online banking account
  • Choose the ‘Service’ menu item
  • Select ‘Change user ID or password’ and scroll to the additional security section
  • Enable temporary identification codes (two-factor authentication)
  • Save your changes

Keeps tabs on your account with real-time email and text alerts. Choose the ones you find helpful, and we’ll send you alert notifications when something is happening with your account such as upcoming payments, unusual spending or withdrawals. You can change your preferences at any time.

Set up your alerts
  • Log in to your online banking account
  • Choose the ‘Service’ menu item
  • Select ‘Manage alerts’ and then ‘Add’ the alerts you prefer
  • Select the ‘Add this alert’ button to set the alert

Enrolling in paperless statements is a quick and easy way to enhance your financial security. Your sensitive financial information will be no longer be sent through the mail, which can help reduce the chances of identity theft from stolen paper documents. Enroll today to start securely viewing your documents online.

Enroll in paperless statements
  • Log in to your online banking account
  • Choose the ‘Service’ menu item
  • Select ‘Change document delivery method’ and then set the delivery method you prefer for your documents
  • Select the ‘Submit’ button to enroll
  • View your statements online
    • Log in to your online banking account
    • Choose the ‘Banking’ menu item
    • Select ‘Online documents’

Online & Mobile

Bank safely online

We’re committed to protecting you. Enjoy full control of your finances through the convenience of our safe and secure online banking platform.

Register for online access 

Bank on the go, with peace of mind

The same security measures we apply to your online banking experience, extends to our mobile apps as well.

Online privacy policies

We respect your right to privacy and work hard to protect it

TIAA Bank is dedicated to providing you with a high level of security and privacy when it comes to your personal and financial information. Take a look at the detailed description of our online privacy practices below to see how we collect and share data. If you have additional questions regarding the privacy of your personal information, contact us.

This notice describes the privacy practices of TIAA Bank and its subsidiaries and applies to anyone who visits our website. It explains how we may collect information from you digitally and how we protect and use that information.

Read the full statement 

The TIAA, FSB Consumer Privacy Notice governs how we can use information you provide us. The notice includes the reasons financial companies can share their customers’ personal information, the reasons we choose to share and whether you can limit this sharing.

Download the full notice 

Client support

Privacy questions?

If you have questions or concerns about your financial privacy, call us today.

Deposits and loans: 1-855-260-8856
TIAA Trust: 1-888-842-9001

Providing support when you need it most

Those who become victimized by identity theft often face significant personal stress and the potential for financial loss. For our clients with a TIAA Bank debit card, if you ever become a victim of identity theft, you may qualify for up to $1,000 in reimbursement coverage for certain identity theft-related expenses.

Certain terms, conditions and exclusions apply. For further details, please refer to our Guide to Benefits