Fraud Protection Services

Protect Your Business and
Personal Accounts

Gulf Capital Bank pairs bank-grade security infrastructure with proactive monitoring and customer-controlled tools to keep your money where it belongs.

Suspect fraud or a lost card?

Call (713) 999-8800 immediately.
After hours, use the number on the back of your card. (844) 293-6293.

Our Fraud Protection Toolkit

Layered defenses across treasury, card, and digital channels — included with most GCB accounts.

Positive Pay

Match issued check files against presented items — block unauthorized checks before they post.

ACH Filters & Blocks

Pre-authorize allowed originators and dollar limits; suspicious debits are flagged for review.

Account Monitoring & Alerts

Real-time alerts for logins, large transactions, wires, and unusual activity.

Multi-Factor Authentication

Soft tokens and device verification for online and mobile banking sessions.

Card Controls & EMV Chip

Lock/unlock cards instantly, set spending limits, and restrict by merchant or geography.

Dual Control & User Permissions

Separate initiation and approval roles in business online banking to reduce internal risk.

If You Suspect Fraud

Act fast. The first hour matters most.

1. Lock your card

Use the GCB mobile app to instantly freeze debit and credit cards.

2. Call us immediately

(713) 999-8800 during business hours, or 24/7 card services on the back of your card.

3. Change credentials

Reset your online banking password and any reused passwords on other sites.

4. File a report

Report fraud to the FTC at IdentityTheft.gov and your local police if funds were lost.

Learn how to spot scams before they cost you

Phishing, business email compromise, deepfakes, elder fraud — get plain-English guidance in our Cybersecurity Learning Center.

Add Fraud Protection to Your Account

Speak with a Houston-based banker about Positive Pay, ACH filters, and treasury security.

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