Fraud protection is not just for credit cards, but can also affect common banking services and wire transfers. That's why Merrill Lynch protects your information through the use of banking services safeguards.
Early Fraud Warnings
Designed to identify potential fraud if unusual or abnormal spending patterns occur in your account—in the event someone has stolen your credit card account information and is charging purchases to you.
Verified by Visa ®
A program that protects your Visa card with a password you create, giving assurance that only you can use your Visa card online-in the event your wallet is stolen or lost, someone else can't make purchases online with your Visa.
Zero Liability Fraud Protection
You are 100% protected from unauthorized purchases-in the event someone has stolen your credit card account information and is charging purchases to you.
Visa Cards With a Cardholder Verifications Value
This is the special three-digit code that is printed on the back of your credit card. If you are making a transaction online or on the phone, you may be asked to enter this special three-digit code. This safeguard measure ensures that you physically have the Visa card with you-in the event someone has stolen your credit card number (but not your actual physical card), they can't make purchases online.
Web Bill Pay
We use strong encryption so you can be assured that your payments will arrive safely and securely and that we will always keep your information private-in the event someone steals your checks that you are mailing out. "Encryption" means we convert the information into code (while it is transmitting from your computer to ours) so it is unintelligible to unauthorized parties.
If you need to report identity theft or fraud, or if you have questions, please call us at phone 1-800-MERRILL (637-7455), or contact your Financial Advisor.
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