What You Should Do When Your Bank Account Has Been Hacked
There are few things more potentially devastating than a hacked bank account. Your bank account is the core of your financial security and banks are supposed to protect your account access from all unauthorized users. However, bank accounts are managed online and account theft is on the rise. If your password was compromised or a hacker successfully steals your identity with your bank, you could be looking at serious financial losses.
This is an issue your bank should make right. But not every bank has the support or accountability necessary to restore a hacked bank account. Fortunately, DoNotPay can help you with swift and expert online legal services to get your account re-secured, access restored, and help you file claims for any losses that may have occurred.
Signs Your Bank Account Has Been Hacked
- You can't log into your bank account online
- Unusual purchases on your transaction or credit history
- Card payment gets denied
- You are called by your bank about a data breach or attempted account change
- Your bank notifies you of suspicious activity
- Your account has missing money or has been drained
- You are denied opening a new card
How You Can Recover Your Bank Account From Being Hacked
The moment you see suspicious activity that you can't verify, there's no time to waste. Starting the bank account recovery process is vital to protect your finances from hacker theft and regain control of your account as quickly as possible
1. Contact Your Bank Immediately
First and foremost, contact your bank. If your bank has a fraud department, contact them directly. If not, call or go in person to let your bank know that your account has been compromised. They should be ready to help you take immediate steps to lock down your account and begin the process of restoring control.
2. Have Your Accounts/Cards Frozen
All compromised accounts should be temporarily frozen. Freeze both cards and accounts. This will stop the hacker from being able to make new purchases. You may also be able to flag any new attempted purchases to track the hacker's activity even after your accounts are stopped.
3. Submit a Claim for Stolen Money
Usually, the first sign of a hacked bank account is that money would start to go missing. You have the right to file a claim to get it back. By federal law, your maximum liability for the loss depends on how quickly you detected the fraudulent transactions.
- Under 2 days: Max liability is $50
- Between 2 days and 60 days: Max liability is $500
- Over 60 days: Max liability is potentially unlimited
4. Cancel and Reorder Stolen Cards
If the hacker has your card numbers and information, cancel them. You can re-order new cards with the same accounts that have new numbers and expiration dates to cut a hacker off in their tracks.
5. Consider Closing Your Account to Open a New One
Depending on the extent of the hack, you may want to outright close the hacked bank account. From here, you have the option to reopen a new account with your current bank or open an account with a new bank that provides better security.
6. Have Your Passwords and PINs Changed
Work with your bank to change all your bank account passwords and PINs. Even if you were locked out of your account, your bank's verification of your identity will allow you to lock out the hacker and regain control by changing your passwords and PINs.
7. Remove All Recently Linked Accounts or Subscriptions
This is very important: After you regain control of your account - make sure all recently linked accounts, authorized transactions, and new subscriptions are blocked and removed. This way, the hacker can't use previously set up connections to keep draining your accounts.
Protecting Yourself in the Aftermath of a Bank Account Hack
After you’ve recovered your account, be sure to follow these tips to strengthen your security:
- Monitor Your Credit and Identity
- Change Other Account Passwords
- Scan for Malware and Increase Digital Defenses
- File a Police Report
- File a Report with the FTC
Recovering Your Hacked Bank Account With the Help of DoNotPay
What if your bank won't help you recover your account? What if they made the mistake and won't take responsibility for verifying the hacker as someone else? What if the fraud department offers an insufficient resolution? DoNotPay can help you so much more with just a few easy steps.
With our hacked account recovery service, we'll contact your bank as a legal service and make sure they verify and restore your control. We can also help you make a claim on losses and take measures if this bank account hack has been the result or symptom of identity theft.
How to Recover Your Bank Account Using DoNotPay:
If you want to recover your gaming account but don't know where to start, DoNotPay has you covered in 3 easy steps:
- Open the Recover Hacked Account product on DoNotPay and tell us the name of the company or platform of your hacked account.
- Enter the information associated with your account, such as your username.
- Tell us whether you have paid for the account and would like a refund.
- And that’s it! We will send a demand letter on your behalf with a two-week deadline for the company’s representatives to help you recover your account.
Have other accounts of yours been recently hacked? This can happen if you use the same login information across multiple accounts and can equal a hefty case of account identity theft. DoNotPay can help you recover any hacked account with any businesses, websites, or services like found below:
What Else Can DoNotPay Do?
Solving this problem is just one of many things DoNotPay can help you with.
Here are just a few more services that DoNotPay has to offer.
- Identity Theft Recovery
- File an Insurance Claim
- How to Cancel Any Account
- File a Complaint
- Appeal a Banned Account
- Copyright Protection
- File a Lawsuit in Small Claims Court
Has your bank account been recently hacked or compromised? DoNotPay can help you take the right next steps to restore your account control and recover financial losses inflicted by the hacker.