How to use the starbucks card mobile app

I’m really lucky in that, in the last few months I’ve had the opportunity to travel . A lot. Bali, Argentina, London and New York – I’ve had a whirlwind few months of trips and adventures. There is one common feature throughout: at some time or another I’ve ended up at Starbucks. There is literally a Starbucks on every corner in New York, most corners in London, most blocks in Buenos Aires and two in Bali (that I found). There are a few reasons I’d pop in to Starbucks stores, for good coffee on the go (a must when trying to navigate the tube and rush to meetings in London) and to jump on the Wifi!

Starbucks is also in South Africa.

How to use the starbucks card mobile app

There are three stores in South Africa. Two in Johannesburg at Rosebank Mall and the Mall of Africa and one in Pretoria. The local company that owns the license to roll Starbucks out locally has also hinted that a Cape Town store is coming soon. If you’ve been to a Starbucks overseas you’ll know that one of the perks of frequenting the coffee shops is the rewards app. That app has now been rolled out locally as well.

Starbucks coffee isn’t cheap.

How to use the starbucks card mobile app

You’re going to be spending a bit of cash on feeding your coffee craving but, if you’re a regular visitor, the Starbucks Rewards App makes it a bit more worthwhile. The app is available around the world and the South African version does everything its overseas counterparts offer up.

So what is the Starbucks Rewards App?

How to use the starbucks card mobile app

  • It is a free app that you can download from the iTunes store or Google Play .
  • The app rewards you with stars for every two rand spent in store. You start at green level and after 750 or more stars upgrade to gold.
  • On both green and gold level you are eligible for a drink or food reward for every 250 stars you earn.
  • You receive early access to limited offers and can also pay for your purchases with your phone – which is the easiest and quickest way to get through the queue without ever having to open your purse.
  • Once you get to Gold level you are entitled to free refills on brewed coffee (so you can make Starbucks your office for the day) and also get a sneaky little birthday gift.
  • The app also allows you to gift friends with Starbucks vouchers and also locate your nearest stores. It is rather easy to then arrange an Uber to your closest Starbucks.

It is a great rewards programme that you can take advantage of. I’ve been part of the Beta Testing Group since November 2016 and have slowly watched the app upgrade and come to life. It is so simple to use and the staff in stores are really well trained in how it works. Even if you don’t frequent Starbucks all that regularly it is worth the download (I’m a sucker for reward programmes).

How to use the starbucks card mobile app

When I shared a YouTube video on what the Starbucks Rewards App was and how it works some of you asked about using it in other countries. This was my first question on receiving the Beta and also at the official launch of the app. Unfortunately, because Starbucks South Africa is a licensor of the franchise the app won’t work in other territories. So your rewards can only be redeemed locally. A bit of a bummer I know, but such a small percentage of us have wanderlust that I actually don’t think it matters.

How to use the starbucks card mobile app

If you check out that video I’m also inviting Johannesburg Tech Girl readers to meet me at Starbucks for a coffee catch up. So if you’re keen head on over to my YouTube channel , subscribe and let me know if you’re up for some free coffee! The photos in this post are of the Beta version of the app, if you download the Starbucks Rewards App it will look a little bit different (and better!).

Disclosure: During my beta testing period I was given credits on the app to utilise in store.

Order, pay, and earn Stars‪.‬

Starbucks Coffee Company

    • #5 in Food & Drink
    • 4.8 • 3.8M Ratings
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The Starbucks® app is a convenient way to order ahead for pickup or scan and pay in store. Rewards are built right in, so you’ll earn Stars toward Rewards with every purchase.

Mobile Order & Pay
Customize and place your order, and pick up from a nearby store without waiting in line.

Pay in store
Save time and earn Rewards when you pay with the Starbucks® app at many stores in the U.S.

Earn Stars towards free food or drink Rewards of your choosing. Receive personalized offers as a Starbucks® Rewards member. 2 Stars/1$ with a Starbucks Card, 1 Star/1$ with cash, credit/debit, and PayPal. Restrictions apply.

Send a gift
Say thanks with a digital Starbucks Card. It’s easy to redeem a gift from email or in the Starbucks® app.

Manage cards
Check your Starbucks Card balance, add money, view past purchases and transfer balances between cards.

Find a store
See stores near you, get directions, hours and view store amenities before you make the trip.

Discover what songs are playing at your local store.

Tip your barista
Leave a tip on purchases made with the app at many stores in the U.S.

What’s New

We’ve made store selection easier, and curbside check-in speedier. Plus, when you complete a Bonus Star challenge, we’ll celebrate your accomplishment with a little more fanfare.

Ratings and Reviews

Editors’ Choice

From sunup to sundown, millions of caffeine-craving people descend on Starbucks to get their daily cup. We’ve had Starbucks’ super-handy app on our phones for ages, and it’s staying right there. We love using the Mobile Order & Pay feature in the app to customize our beverage before even setting foot inside the store.

Easy tipping

What I really love about the Starbie’s app is 1) you can leave a tip through the app (which you cannot cannot do with a debit card, and therefore to use a debit card to pay you have to have a side hobby of saving quarters to tip baristas with); and 2) touchless payment. Free coffee now and then from redeeming stars doesn’t hurt either! Related to the tip, here is something I figured out about redeeming stars: if you pay for one transaction all with stars, then there is no way to tip the barista through the app. That’s no fair to the barista! So I usually save my stars until I’m also getting coffee for a friend or two, and pay for all but one drink with stars, and pay $ through the app for the one drink. Then I can still leave a tip through the app to cover all the drinks. Yay! If I dont have friends to share coffee with on any given day, I can always just buy a coffee for the person behind me and thereby still be able to tip through the app. It’s fun!!

Personal note: I’m 20+ years sober and can’t have carbs anymore due to diabetes. Thank goodness for espresso with stevia and cream. It’s a party I can still enjoy. “🎵Life’s simple pleasures are the best! All the little things that make you smile and glow🎵”

App update lost some helpful features

The mobile app is so useful, however, the last update seemed to have gotten rid of some features I found helpful. For one, I don’t like that now when you go Into the history, it no longer shows the date and time of your purchase, so if you need to take a screenshot of your “receipt” it does not include the complete purchase info, which renders it less useful. It shows a receipt number, which is not useful to me, and it is inconvenient to have to screenshot both the history list AND the purchase itself. Why did you get rid of this? Why fix what wasn’t broken? Also, you have removed the date info for the Starbucks cards. It was helpful to have the info on the start dates of my cards to differentiate the cards, especially the similar ones. It used to have that info before. It also is frustrating when the app does not let you choose the store you want and sometimes suggests some faraway store. It would be helpful if it also told you reasons why you are unable to use the app – ie, store shut off mobile orders, store is closing, etc. Otherwise, you think it’s your phone or app and you waste a lot of time. I also would like that the app kept the history details for the “free” items, because just because it’s free, doesn’t mean you don’t want to record WHAT you had. But, for the most part, I like using the app.

There are two methods you can use to check your Starbucks gift card balance – their website or the app on your phone. Whichever of the methods you choose, you will need internet access. Not even the phone app will work offline as it needs to connect to the internet to display your current balance.

How to use the starbucks card mobile app

In this article, you will learn how to check your balance, add money to your card, and redeem rewards that you may qualify for from your iPhone or Android device.

Check the Balance from the Starbucks Website

Once you enter any Starbucks store, you should be able to connect to its Wi-Fi, check the card, reload it if necessary, and avoid embarrassing situations. This is just one way to check your balance and the fastest way to do so if you don’t have a registered user account or the app installed on your device.

Here’s how to check the balance using the Starbucks website:

  1. First, pull up your browser app. Any browser app will do.
  2. Secondly, go to the Starbucks website.
  3. Scroll to the bottom of the page to locate the Check Balance
  4. Insert your card number into the first field. It is the 16-digit number on the back of your card. Make sure not to use any spaces or dashes.
  5. Then type in the security code. To reveal the 6-digit security code, you have to scratch the box underneath the card number.
  6. Click the Check Balance
  7. The information will be revealed in just a few seconds, depending on your connection.

Obviously you can do this from an iPhone, an Android smartphone, or any other device that can connect to the internet. What’s also cool about this is that you don’t need a Starbucks account to see the gift card information. However, if you want to reload a card, you will need to register an account and log in.

If you’re a registered user, you can log in and go to the My Cards section. From there you can select what card you want to check. Clicking on any card will display all relevant information including the balance.

This saves you the trouble of having to scratch the box or type in the long 16-digit code.

Starbucks App

The Starbucks app is available for both iPhone and Android. You can find it on the App Store and on Google Play. You can do many things from the app, such as order ahead, pay with your phone, earn rewards, send a gift card, manage your gift cards, find stores, leave tips, etc.

You can also use the app to check your card balance if you don’t want to go the browser route.

1. Checking Balance on iPhones

Log into your Starbucks account and launch the app. Select the Pay option. Look for the balance in the top-left corner of the screen to see if you have enough to order ahead or if it’s time to top off the card again.

2. Checking Balance on Android Devices

Launch the Android app. Tap the 4-line icon in the top-left corner of the screen. Tap Refresh Balance when available and wait for the new information to be displayed.

Other Things You Can Do from the App

Another cool thing you can do from either Starbucks app is to set an automatic reload function. To do so, follow this path: Pay > Manage > Auto-Reload. From that screen, you’ll be able to set a minimum balance.

Once your card’s balance falls below that limit, the card will be topped off automatically. Of course, this will only be the case if your linked credit card has enough money available. You can also set the auto-reload feature for a certain date instead of a certain balance.

Wondering about more perks that come with using the Starbucks app and having a Starbucks card? How does a free birthday coffee sound?

If you’ve used your card in any Starbucks store in the past 12 months leading up to your birthday, you’ll receive a message in your app two days before your birthday. On your birthday, you’ll be able to go to any Starbucks store and redeem your free drink by showing the barista your card or mobile app.

This makes you eligible for almost everything on the menu. You can’t ask for alcoholic beverages or multi-serve trays, but you can ask for a handcrafted beverage, a bottled beverage, or one food item.

And keep in mind that this is not just a one-time thing – you can do this on your birthday every year.

Final Thoughts

There are three key factors that make the Starbucks app is so convenient. For one, it makes paying for your coffee very easy, whether you’re already in the store or want to place an order in advance. At any given moment, you are also just a few taps away from checking your balance or refilling your card. Finally, you can redeem loyalty rewards, which is always nice, especially if you’re a frequent customer.


Starbucks Coffee Co. has unveiled the largest combined mobile payments and loyalty program in the United States.

With the Starbucks Card Mobile application for Apple’s iPhone and iPod touch, users can check their balance, reload their card and view transactions. In 16 select Starbucks stores in Silicon Valley and Seattle and at any U.S. Target Starbucks store—they can actually pay with their Starbucks Card using their iPhone or iPod touch.

“The Starbucks Card platform is a cornerstone of our payment and customer loyalty strategy, accounting for over 15 percent of tender at our U.S. retail stores,” said Alisa Martinez, spokeswoman at Starbucks, Seattle. “As a result, we are focused on building the next-generation Starbucks Card to delight our customers.

“The iPhone app marries the benefits of the Starbucks Card with the convenience of the mobile phone,” she said. “Our customers love the ease of checking their balance, using bar code payments and reloading their card – all at their fingertips.”

Starbucks initially launched the Starbarcks Card Mobile application along with the MyStarbucks application, which offers a store locator, nutrition information and an interactive drink builder, in the App Store on September 23, 2009.

“MFoundry is our primary vendor and has been a vital partner in our launch,” she said.

Starbucks Card Mobile
Starbucks claims that many of its customers told the company that they wanted to be able to track their loyalty Stars on Starbucks Card Mobile, so the coffee giant added this feature to make tracking Stars more convenient.

“In our most recent release, which launched this week, we integrated the My Starbucks Rewards loyalty program into the app,” Ms. Martinez said. “This feature allows our customers to track their progress in the Rewards program and earn their way to free drinks with each Starbucks Card transaction.

“Our aim is to link payment and loyalty into a unified user experience,” she said.

Consumers who download the Starbucks Card Mobile application can participate by visiting the Payment Trial portal within the application and touching ‘Get Started’ to activate Touch to Pay.

In select locations—Cupertino, Mountain View, Sunnyvale and San Jose, as well as Seattle and all Starbucks located within a Target store—the company is testing a mobile payment feature.

In participating stores, customers can pay with their Starbucks Card using only their iPhone or iPod touch and the Starbucks Card Mobile application.

The iPhone or iPod touch will display a bar code that customers use just like your Starbucks Card to make purchases, scanning it at the point of sale.

The features of the Starbucks Card Mobile application include the ability for customers to check their Starbucks Card balance; reload their Starbucks Card with a major credit card; view their transaction history; pay with their iPhone or iPod touch at any U.S. Target Starbucks store.

Mobile payments and loyalty
Starbucks is trialing mobile payments in order to see how its most loyal customers respond.

“One of the primary objectives was to test whether our customers would enjoy paying with their phone and use their phone as a payment device on a sustained basis,” Ms. Martinez said. “Additionally we assess impacts to our store operators and point-of-sale systems.

“We continue to evaluate feedback from our customers and baristas prior to extending mobile payment capability to additional stores and markets,” she said. “Customers have loved the convenience and speed of mobile payment and the fact that it is integrated into our loyalty program, My Starbucks Rewards.”

Starbucks promoted the availability of the MyStarbucks App and Starbucks Card Mobile on My Starbucks Idea, where customers can share suggestions and ideas with the brand.

The coffee chain also posted information about the applications on its Starbucks Facebook page and via its Web site, and also reached out to its Twitter followers.

Starbucks Card Mobile was also featured on iTunes as a top productivity application shortly after launch.

On Target
There are more than a thousand Target locations in the U.S. that have a Starbucks on site.

At launch of the mobile payments initiative at Target, Starbucks also included in-store signage at all Starbucks Target locations.

“The collaboration with Target, one of Starbucks’ top licensees, helps us offer 1,002 new points of destination for customers to experience the ease and convenience of paying for their signature Starbucks beverages with the flash of their Apple iPhone or iPod® touch device,” Ms. Martinez said.

“Based on the initial interest we’ve seen in Seattle and Northern California, we talked with Target about how we could collaborate and expand the program,” she said. “Target has a loyal Starbucks customer base as well as the technology in place to support expansion of the Starbucks Card Mobile payment capability.

“This extends our market reach and gives us an opportunity to continue to gain learnings.”

How to use the starbucks card mobile app

If you’ve got the Starbucks app installed on your iPhone, you can actually send someone a gift card right from Messages (in just the same way you can send someone an Apple Pay Cash amount). Giving the gift of sweet sweet liquid energy has never been easier!

To configure this, first you’ll of course need to download the company’s app, but then, you should be able to open Messages and tap on the App Store icon in the conversation with the person you wanna send your gift to.

Once the so-called App Drawer shows up, scroll across its icons at the bottom until you find the Starbucks one.

Tap on that to launch it, and you’ll see the styles of gift cards you can send. Drag the little bar at the top up to view more…

When you tap on the design you want, you can choose an amount for your gift: $5, $10, or $25.

Tap “Buy” on the subsequent screen…

…and then you’ll use your Apple Pay credentials to actually authorize the funds transfer.

That’s all! Your gift card will be sent right within the Messages conversation, and your recipient can touch the image to redeem the money. The friend that I sent this to said that it made him download the Starbucks app onto his own device (of course it did), after which he saw this when he tapped on the picture of the gift card within Messages:

If you’re having trouble getting this to work, though, make sure your device meets the requirements, and if you’re not seeing the “Starbucks Gifts” icon within the App Drawer at all, check out this tip by TMO’s own John Martellaro that has a section on how to add something there. Finally, I’d also visit Settings > Wallet & Apple Pay to confirm that you have a valid form of payment configured.

And yes, I did actually send my friend a gift for the purposes of this tip. You guys made me be nice for you. Ugh.

How to use the starbucks card mobile app

No single competency is enabling us to elevate the Starbucks brand more than our global leadership in mobile, digital, and loyalty. Starbucks is a clear leader in mobile payments and we are encouraged by how consumers have embraced mobile apps as a way to pay.– Howard Schultz, 2013

I think Howard says it all:

  • Mobile Payments Convenience
  • Automatic Loyalty Rewards

Over Four Million Mobile Wallet Payments Per Week

While most of the world was getting ready for Halloween celebrations in late October 2013, Starbuck announced that now 11% of sales volume comes through its own mobile wallet [1]. This is just a staggering amount of transactions for a single retailer, about four million mobile payments per week, and eight million consumers are using mobile apps to pay. Howard had some of the most strongest words I have heard supporting mobile payments by a retailer.

The Courage To Innovate With Simple Technology

On a nice spring day early in 2009, Starbucks launched its mobile card app in 16 stores. It was so successful it rapidly expanded the program nationwide by allowing consumers to pay by letting patrons display a barcode to be scanned at the point of sale. This was the genius work of Benjamin Vigier and his team. Benjamin now heads up retail payments for Apple and we will likely see the results of his 3+ years of work at Apple very soon.

Benjamin took the very simple 2D barcode and inverted the use case that most companies were using. By allowing the register to scan the 2D barcode rather then the user scan a 2D barcode. This was a maverick move at the time as most technologists were laughing at the 2D barcode and the way it was used.

Benjamin built this systems years before there was a Square wallet, Clinkle, PayPal Wallet or just about any other system. It is successful for so many reasons that would take a book to cover.

It took great courage for Starbucks to take a trail blazing roll to innovate. The company did not, and still does not primarily use the services of an outside company and there is a huge lesson to be learned here. Read on for some clues.

Brilliantly Simple

Benjamin shifted the technology stack on the side of the POS system and a 2D barcode reader. This allowed for the technology of the Starbucks wallet to only need to faithfully display a custom 2D barcode. It was brilliantly simple and elegant. At the time, many startups wanted to reinvent the wheel and require all aspects of the technology a business is using to change. Benjamin made the new program fit existing POS found at every Starbucks.

One Loyalty Size Fits All?

Starbucks had one of the most successful retail loyalty programs in the US. This did not take place overnight. The company worked diligently for decades to perfect this program. There were countless empirical tests and studies that crafted the program. Although it looks very simple the exact same system could not work at a vast majority of retailers. And this is the problem with most generic “punch card” loyalty systems and even advanced points based loyalty systems. They are sold as a one size fits all program, and they do not.

Said To Me By A Payment Startup Founder: “I have a punch card for a coffee place in my sock drawer at home”

It has always been fascinating to me to observe some of the most brilliant payment startups construct a “loyalty program” based on just a guess of what retailers are looking for. I have worked with hundreds of startups over the last 8 years and 99% of the time the people building loyalty programs have either not used any program before or have an old punch card in the sock drawer at home. The point they thought they were making was how inefficient loyalty cards are. This is the start of the flawed thinking of why these programs fail. It is just very hard to get used to seeing fellow technologists build things based on completely flawed reasoning.

The builders of the Starbucks wallet used loyalty cards, perhaps for decades, but they also empirically studied these systems in live retail environments. This aspect is overlooked by some of the most informed experts.

This Secret Has To Be Told

Starbucks also was a very early user of gift cards. The original reason Starbucks deployed these cards was to allow consumers to purchase the gift cards as, well gifts to friends. It turned out that empirical research showed that within the first year 75% of the cards were being used by the original purchaser. This very large by still rather secret fact informed the logical development of a mobile wallet. This was not a technological dream but a progression from empirical, Practical and Pragmatic research. I credit this to one of the foundational reasons for the spectacular success.

Thus the success of the Starbucks wallet can be expressed in this manner:

I’m a huge fan of the Starbucks iPhone app [iTunes link] and use it as my digital loyalty card. Saves me carrying money and it accumulates points and then free drinks. What’s not to love? Recently, however, a friend gave me a $5 gift card to Starbucks. I could just use it, but I’m wondering, is there a way to just transfer its balance onto my main card so I get credit for the drink purchase?

Another addict. Really, given that Starbucks is accumulating our purchase data through its savvy, high-tech loyalty program, they should probably just auto-enroll us in Caffeine Consumers Anonymous or some other sort of help program. Or upsell us on decaf. Or both. In fact, since they know the various stats associated with each drink (mg of caffeine, calories, fat level) and have purchase data across long periods of time, the company could email me a note informing me that “In the last 12 months, you have had 3,403mg of caffeine, 48,203 calories and 5,403mg of fat in your 285 Starbucks beverages. Can we interest you in a “lite” beverage next time?” Then again, that might not be good for business. 🙂
Let me stay a bit more focused, though. I think it’s the caffeine that’s talking…
So there you are in your Starbucks iPhone app, looking at the following screen:

How to use the starbucks card mobile app
To add the new card (the necessary first step), tap on the “+” on the top right and then add it. You’ll see how, it’s straightforward.
When you’re done, you’ll now see something like this:
How to use the starbucks card mobile app
The first step in transferring the balance from the new gift card to your main card is to choose the gift card. Here mine has a $5.00 balance too. I tap on it and it’s the selected card:
How to use the starbucks card mobile app
There’s no visual indicator it’s a button, but where it shows you the balance, that’s a tappable region. Tap on it and you’ll see a bunch of options:
How to use the starbucks card mobile app
Tap on “Transfer Balance” to transfer the balance onto the main Starbucks card…
How to use the starbucks card mobile app
As the screen explains, click and drag the image of the card onto the destination card. In my case, I only have two so I’m not sure why it’s not automatic, but whatever, it’s easy enough to accomplish. Drag it, let go and a confirmation dialog pops up:
How to use the starbucks card mobile app
Tap on “Transfer”, count to ten and suddenly both balances are updated as you’d hope:
How to use the starbucks card mobile app
That’s all there is to it. Now tap on your main card to ensure it’s selected next time you use the iPhone app and you’re done. Simple and easy!
Now where’s that soy chai I’ve been drinking?

Check your account immediately!

How to use the starbucks card mobile app

How to use the starbucks card mobile app

Original Story, 5/9/17 at 4:11 p.m: For serious Starbucks go-ers, their mobile app makes paying for your Grande iced coffee easy as can be — but users who chose to link their Starbucks account to their banks are finding themselves victims of a major scam.

A reporter at Buzzfeed explained that last week she received an email saying that she had reloaded $100 onto her Starbuck mobile app from the credit card she had on file. The thing is, she hadn’t actually reloaded her card. So when she opened her app, she found that someone had gained access to her information, added the $100 and made three charges in San Diego that wiped her account.

According to Twitter, this reporter isn’t alone. Dozens of people have taken to the social media platform complaining of the same issues.

Hey @Starbucks my app got hacked and someone has been using it in a state I don’t live in. What do I do?

Somebody hacked into my moms @Starbucks app and spent her gift card money. She had $74 on there! Poor thing

If you use @starbucks mobile app – beware! My account was hacked and both reloaded balances and rewards have been swept to rogue accts

This isn’t the first time this has happened. In 2015, Starbucks confirmed that criminals have been gaining access to customers’ rewards accounts and making unauthorized charges. CNN explained that criminals break into users’ accounts online and then add a new gift card and transfer the funds to themselves. They can then repeat the process by reloading the card.

PSA: if you have the @Starbucks app on your phone, check your transaction history and the CC attached. I was hacked of $100 last night.

@Starbucks my app was hacked, $105 gone from my account. 7 calls to customer service, still isn’t sorted out. What must I do?!

My @Starbucks app was hacked and someone reloaded my card with $25 SIX TIMES. 🙃🙃🙃🙃🙃

Starbucks explained to CNNMoney that these hacks were likely a result of weak customer passwords, as the company itself had not been hacked at the time. Still users who have had their accounts broken into say Starbuck’s needs to up their security measures.

“I think it’s too easy to dip into someone’s bank account,” Kristi Overton, whose Starbuck account was hanked into in 2015, told CNN. “The Starbucks app’s security measures need to be updated.”

When asked nearly two years later about rolling out a two-factor authentication, Starbucks told Buzzfeed, “While we do not share specifics on future security protocol timelines or practices, our security and anti-fraud teams actively continue to develop, and invest in, enhanced protection measures, further strengthening our platforms.”

In the meantime, Rachel Rothman, Chief Technologist in the Good Housekeeping Institute, suggests always switching up your log-in information even if it may be hard to remember.

“Try to pick different passwords for the different applications or websites you use, so that if someone does guess one of your passwords, they can’t access everything,” she says.

If you are concerned that your Starbucks Mobile account has been hacked, you can contact their customer service line at 1-800-782-7282. has reached out to Starbucks and will update this post as new information becomes available.

Update, 5/9/17 at 5:22 p.m.: reached out to Starbucks for comment and the company gave the following statement:

“First and foremost, the security of our customer’s information is critically important and Starbucks remains resolute in protecting that information and has a team of engineers dedicated to advancing security and fraud prevention, given unauthorized account activity is an industry-wide challenge. As a result, we see only a tiny fraction of one percent of account holders impacted, significantly reducing fraudulent activity to a level vastly better than industry average. We strongly encourage our customers to follow best practices to protect their accounts and, if we are made aware of any unauthorized activity, we work with our customers directly to ensure that their account remains whole.”