Your smartphone has more in common with your computer than with your old mobile phone. Criminals know you're literally carrying a small PC in your pocket and will do all they can to access your personal information. Following a few simple steps you can dramatically reduce your risk of having your money and identity stolen. See the tabs below for suggestions. To protect the security of your U.S. Bank and/or U.S. Bancorp Investments account, we’ve expanded our authentication options to now include ﬁngerprint scan, one-time passcode, visual pattern and facial recognition.
Follow these tips to stay secure
If your smartphone is lost or stolen
First, follow the recommended steps of your mobile service provider to report a lost or stolen phone.
If you’re using the new U.S. Bank Mobile app, there’s no need to contact us or change your Personal ID or Password. When you get your new phone, download the new app or sign in to the Mobile Web to continue your mobile banking.
If you're using Text Banking call 800.US.BANKS (800.872.2657) or log in to Online Banking and choose “Text Banking” to cancel Mobile Banking services for that phone or device.
As always, you'll want to monitor your accounts for suspicious activity. If you notice anything that concerns you call us right away at 800.US.BANKS (800.872.2657).
Make sure you have antivirus software installed on your device.
Password-protect your smartphone
Always lock your phone when it’s not in use.
Set your phone to automatically lock after being idle for a set amount of time.
Set your phone to use a longer and stronger password than the default 4-digit unlock code if this option is available on your phone.
For even better security, set your phone to erase all data after 10 bad password attempts.
Clear data from your smartphone frequently
Delete text messages from financial institutions, especially before sharing, discarding, or selling your phone.
If you visit the U.S. Bank website using your phone, delete the cookies and cache regularly.
Better yet, use our dedicated apps for online banking.
Always download apps from reputable sources
Criminals try to lure people into signing up for mobile banking using fake apps and/or websites.
If you’re considering adding an app to your mobile device, review the app’s permissions so you understand what the app is capable of doing before you decide to download it.
Don’t fall for phishing scams
Phishers create links that look legitimate but instead direct you to malicious websites when you select them.
Due to the small screen size in smartphones, it’s even harder to spot whether a link is legitimate. If you need to access a website, type in the address yourself. Learn More.
Remove personal information before replacing your smartphone
Don’t rely on carriers, recycling firms or phone deposit banks to “clean” your phone before disposal or resale to third parties.
Follow your phone manufacturer’s instructions to remove all personal information from your phone before decommissioning it.
Be careful using unsecured "public" wireless networks
Whether it's at your favorite coffee shop or even your local gym, complimentary Wi-Fi access is frequently available. Although a nice service, unsecured networks may allow hackers to distribute malicious code to your devices or even intercept your personal details.
Don't turn your Wi-Fi on if you don’t actually need to use it. Even if you’re not actively using the Internet (i.e., logging on to websites, submitting payment, etc.), your information can still be compromised while connected to public networks.
Turn off "Auto-connect" in your settings so that your Wi-Fi does not automatically search for an open network to connect to.
For an added layer of protection, enable the "Always use HTTPS" option often available on websites that require logging in.
Be aware of risks associated with jailbroken devices
You may have heard that "jailbreaking" your device—that is, removing restrictions off your device to install unauthorized software or to customize its features—is a good idea because it allows you to use the device beyond the manufacturer’s limitations. However, jailbreaking comes with risks.
By jailbreaking your device, you remove the security restrictions enacted by the manufacturer which helps to keep your data safe.
Since you are able to download apps from outside your device's application store, you become vulnerable to downloading a potentially malicious app which has not been screened for malware.
Download our Secure U.S. Bank Mobile App
Bank anywhere with U.S. Bank and/or U.S. Bancorp Investments
Go to U.S. Bank Mobile Banking and download our mobile app for quick, easy and safe access to your banking information and services wherever you go.
Your privacy is protected
Your privacy is protected.
No personal or financial information will be stored on your phone.
All wireless communications are securely encrypted.
Allow the U.S. Bank Mobile App to access your location so we can verify your Visa card and your phone are near each other, protecting your card at home or abroad.
Keep an eye on your accounts with security alerts
Bank anywhere with U.S. Bank
You can sign up for security alerts for any text-capable phone (including smart and non-smartphones). We’ll send you a security alert when your U.S. Bank and/or U.S. Bancorp Investments account personal information is changed. Being alerted to these changes promptly can help you identify and stop potential fraud. You’ll receive a security alert by email or text message when any of the following events occur:
Your privacy is protected
Mailing or email address change
Phone number change
Personal ID or password change
Personal ID and password disabled after too many incorrect login attempts
A request that we provide your Personal ID
Changes to ID Shield security questions and answers, image/sound or phrase
Changes to other authentication methods: fingerprint scan, facial recognition, visual pattern or one-time passcode
ATM/debit card PIN change, reset or request
New ATM/debit card request, or card reissue or replacement
Learn more about U.S. Bank and/or U.S. Bancorp Investments security alerts.