Toll Road Scams: Protecting Yourself on the Open Road
Toll road scams target unsuspecting drivers, attempting to lure them into paying a fake toll. The scammers use your payment information to steal money from your account and possibly for identity theft.
Most toll road companies send invoices by mail and not electronically, unless you specifically opt-in to receive them electronically. If you receive an electronic invoice this is your first warning sign it is most likely a scam.
Toll road scams take two common forms:
- Phishing Scams: Fraudulent emails or text messages that appear to come from legitimate toll authorities. Scammers claim you have an unpaid toll, prompting you to click a link that leads to a fake website used to steal money from your account or for identity theft.
- Robo-Calls and Voicemails: Scammers use automated calls to contact drivers claiming to represent toll road authorities. They use fear tactics, such as threats of fines or vehicle registration holds, to pressure individuals into providing payment information over the phone.
Signs you might be facing a toll road scam:
- Unusual Payment Requests: Always be cautious if you're asked to pay tolls using unconventional methods, such as gift cards, wire transfers, or cash delivered to a location.
- Pressure Tactics: Legitimate toll authorities will never pressure you to pay immediately or threaten legal action without proper communication.
- Unfamiliar Contact Information: Scammers often use email addresses and phone numbers that don't match the official toll authority's contact information or may use non-secure websites.
Strategies to help you protect yourself:
- Verify Information: Most Tool Road companies send invoices by mail, not electronically. Do not click on links or provide any personal information. Instead, go directly to the official website of your local toll authority or call their official number for confirmation.
- Use Official Transponders: Consider getting an official electronic transponder if you frequently use toll roads. This allows for auto-payment and helps ensure you are only charged the correct tolls.
- Report Suspicious Activity: Report scam communications to your local toll authority and law enforcement.
Toll road scams can be clever and sophisticated, but being informed and cautious can protect you against becoming a victim.
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
General Charges |
Fee Type |
Fee Amount |
Monthly maintenance |
$5.00
Waived with any of the following:
1) Monthly Total Deposits ≥ $250, or
2) 23 or younger |
Official check, payable to third party |
$5.00/check |
Wire transfer (incoming) |
$10.00 (Domestic / International) |
Wire transfer (outgoing) |
$25.00 (Domestic) $35.00 (International) |
For a comprehensive listing of account-related fees, special service fees, and additional details,
log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Our
Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
- Checks and other transactions made using your checking account number
- Automatic recurring drafts made using your debit card number
We also offer
Balance Backup+ for the following types of transactions when insufficient funds exist in your account:
- Debit card transactions
- ATM transactions
For complete details visit our
overdraft protection page.
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the
ATM locator to find the most convenient locations near you.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
- Lifestyle Protection and Savings
- Cell phone protection coverage
- 24/7 roadside assistance
- Buyer protection and extended warranties
- Telehealth for your family
- Save on healthcare (prescription, vision and dental discounts)
- Travel and leisure discounts
- Shopping perks (receive cash back or use for purchases)
- Shell station fuel perks
- Security and Fraud Protection
- Credit and identity monitoring
- View details.
- Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
- Free standard Truliant checks
- Free official checks
- Free incoming wire transfers
- One-time overdraft fee waiver (per calendar year)
- Early Pay — Get your paycheck up to 2 days early
- Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
- Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
General Charges |
Fee Type |
Fee Amount |
Monthly maintenance |
$25.00
Waived with any of the following:
1) Average Monthly Deposit Relationship ≥ $25,000, or
2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000 |
Order checks |
Standard Truliant Checks are free |
Wire transfer (outgoing) |
$25.00 Domestic, $35.00 International (incoming wires are free) |
Overdraft Charges |
Fee Type |
Fee Amount |
Balance Backup* and Balance Backup+** overdraft protection |
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year |
Deposit account overdraft protection transfer service charge |
$3.00 (limit once daily) |
Line of credit overdraft protection transfer service charge |
$3.00 (limit once daily) |
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup
+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details,
log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
General Charges |
Fee Type |
Fee Amount |
Monthly maintenance |
$7.50
Waived with any of the following:
1) Monthly Direct Deposit ≥ $500, or
2) Average Monthly Checking Balance ≥ $1,500, or
3) Average Monthly Deposit Relationship ≥ $5,000 |
Order checks |
Standard Truliant Checks = $10.00 |
Official check, payable to third party |
$5.00/check |
Wire transfer (incoming) |
$10.00 Domestic or International |
Wire transfer (outgoing) |
$25.00 Domestic, $35.00 International |
Overdraft Charges |
Fee Type |
Fee Amount |
Balance Backup* and Balance Backup+** overdraft protection |
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year |
Deposit account overdraft protection transfer service charge |
$3.00 (limit once daily) |
Line of credit overdraft protection transfer service charge |
$3.00 (limit once daily) |
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup
+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details,
log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members.
See more details here.
Acceptable forms of identification:
- Driver’s license (state or U.S. territory issued)
- Driver’s license learner permit (state or U.S. territory issued)
- ID card (state or U.S. territory issued)
- Passport (U.S. or foreign government-issued)
- Armed Forces ID (U.S. government-issued)
- Permanent resident card (U.S. government-issued)
- Employment authorization card (U.S. government-issued)
- VISA (U.S. government-issued)
- Matricula Consular ID (Mexican consulate issued)
All identification must be valid, have a full-face photo, and not be expired.
Additional documents may be requested to verify identity and residency.
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
- Lifestyle Protection and Savings
- Cell phone protection coverage
- 24/7 roadside assistance
- Buyer protection and extended warranties
- Telehealth for your family
- Save on healthcare (prescription, vision and dental discounts)
- Travel and leisure discounts
- Shopping perks (receive cash back or use for purchases)
- Shell station fuel perks
- Security and Fraud Protection
- Credit and identity monitoring
- View details.
- Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
- One-time overdraft fee waiver (per calendar year)
- Early Pay — Get your paycheck up to 2 days early
- Low-cost standard Truliant checks — Only $10 per order
- Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
- Free ATM withdrawals, even outside Truliant
Chat with us.