TL;DR: Fake TD Canada Trust texts claim your account is locked, a payment needs approval or your card was suspended, with a link to a fake login. Don’t click. Open the TD app or EasyWeb yourself, or call TD Canada Trust on 1-866-222-3456 (or the number on your card). In the TD app, go to More > Contact Us > Call Us and choose “Suspected Fraud.” Report scams to the Canadian Anti-Fraud Centre and forward texts to 7726.
What the texts say
- “TD: Your account has been locked due to suspicious activity. Restore access: [link]”
- “TD Alert: A payment of $1,280.00 is pending. Reply NO if not you.”
- “Your TD Access Card has been suspended.”
The link goes to a page that looks like EasyWeb. Enter your login and the criminals have it, often within seconds.
How to check safely
Close the text. Then:
- open the TD app or type EasyWeb’s address yourself;
- or call TD Canada Trust: 1-866-222-3456 (personal accounts and credit cards), or the number on the back of your card.
In the TD app: More > Contact Us > Call Us, then choose Accounts or Small Business and “Suspected Fraud” (TD’s report fraud page).
Other TD lines: Direct Investing 1-800-465-5463, Insurance 1-877-397-4187, Business Banking 1-800-668-7328.
Disputing a transaction
Use “Dispute a Transaction” in EasyWeb or the TD app, or call the number on your card.
Report it
- Report fraud or scams to the Canadian Anti-Fraud Centre and local police, as TD suggests.
- Forward scam texts to 7726.
Why “reply NO” is risky
Replying confirms your number is live, and a “fraud agent” often calls minutes later, already sounding helpful. That agent will ask for a code or tell you to move money. Hang up and call TD yourself. Our guide on bank impersonation scams walks through the script.
Why they texted you
Bank texts go out in bulk to numbers from breaches and brokers. A free email exposure check shows whether your email is in breach data.
Frequently Asked Questions
Is a TD text saying my account is locked real?
Treat it as a scam. Check in the TD app or EasyWeb, or call 1-866-222-3456.
How do I report fraud to TD?
In the TD app go to More > Contact Us > Call Us and choose Suspected Fraud, or call the number on your card.
How do I dispute a TD transaction?
Use Dispute a Transaction in EasyWeb or the TD app, or call the number on your card.
Where else should I report a TD scam text?
Forward it to 7726 and report it to the Canadian Anti-Fraud Centre.