Improper card use
Check covered events, authentication methods and the deadline for blocking. A transaction with a password may be treated differently from a purchase without authentication.
TECBANK · GUIDES FOR INDIVIDUALS
Account and card insurance: read the protection carefully
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An insurance covers events defined in the contract, with limits and conditions. The product name does not guarantee protection for every loss, scam or transaction.
Separate the situations
Transaction under coercion
See how the contract defines threat or coercion and which movements are included. Do not presume every disputed transfer is covered.
Personal items and withdrawals
Check eligible belongings, the link with the insured card and any deadline between withdrawal and occurrence. These details vary by coverage.
What to check in the proposal and the policy
- The responsible insurer, the term and the product identification.
- The insurance premium, payout limits and deductible or insured participation.
- Covered risks, exclusions, waiting periods and communication duties.
- Rules for blocking, claim documents and official follow-up channels.
- Renewal, cancellation and the effect of late payment.
Keep the general conditions and the contracting documents. The payout depends on the event and on the analysis under the contract, not merely on the existence of an insurance charge.
If an occurrence happens
Use the official channels of the institution and the insurer for blocking, guidance and claim notice. Keep records and protocol numbers. Do not publish documents or send authentication codes to strangers.
This is a guide for reading insurance. There is no contracting, quote, policy or active Tecbank coverage on this page.
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Claim notice and follow-up
Know the sequence of communication, documentation, analysis and conclusion through the insurer's channel.
See the claim checklist →Check the conditions of each coverage
Account and card insurance does not mean a refund for any scam. The bank's reference distinguishes improper use, theft of belongings, theft after withdrawal and transactions under threat, each with its own requirements. Check the operation's authentication, blocking and communication deadlines, limits and exclusions in the policy's general conditions.
Do not generalize a deadline or coverage to all insurances. Keep protocol numbers and contact the issuer and the insurer through official channels. Tecbank does not contract, guarantee coverage or confirm payouts in this guide.
Subscription assistance is not insurance
An assistance bundle may offer services, discounts and conveniences without working as an insurance payout. Before subscribing, check the monthly fee, term, waiting period, number of uses, providers, exclusions, activation and cancellation. Also check whether you already pay for the same service in another contract.
The bank's Combo distinguishes assistance from insurance and presents benefits that require activation and have limits. Health assistance is not equivalent to a health plan or health insurance. This guide does not offer a Tecbank subscription nor transfers the bank's benefits to the platform.
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Informational content reviewed on October 29, 2026. Tecbank handles the opening of your business account.Next step for your company
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