Fraud Protection

Fraud Protection


What happens if there's unauthorized activity on my account?

Debit card fraud can be a scary subject. We’re never going to tell you not to worry about fraud, but if something happens, we’ve got your back.

We've built a lot of features to stop fraud in its tracks. You can opt-in to receive transaction push notifications so you can see each transaction moments after it’s made. You can also block and unblock your card whenever you need to from the web or your mobile app.

If, despite these preventive measures, fraud should occur on your account, you may be protected. Check out our Deposit Account Agreement and Card Agreement to see the ways your account is protected. The Simple support team will do everything they can to help you through the situation. If you have any questions, get in touch with our support team.

Things to keep in mind

To help us protect you from fraud, it’s important that you keep your PIN, password, and username private, and that you notify us promptly after any unauthorized activity takes place.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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