How we actually protect your money and your information.
Every account is covered by real-time fraud monitoring, bank-grade encryption, and a zero-liability guarantee, explained in plain language below.
Protection that runs whether you notice it or not.
These protections are standard on every account, at every tier, with no upgrade required.
Real-time fraud monitoring
Every transaction is screened against known fraud patterns before it clears.
256-bit encryption
The same encryption standard used by federal agencies protects data in transit and at rest.
Zero liability guarantee
You are never responsible for unauthorized charges reported promptly.
A few habits that meaningfully reduce your risk.
Turn on two-factor authentication
Add a second verification step so a password alone can't unlock your account.
Check Credit Insight monthly
Catch new accounts opened in your name before they become a bigger problem.
Freeze a lost card instantly
Lock a misplaced card from the app in one tap, and unfreeze it just as fast if you find it.
Never share a one-time code
Exuma Sound will never call or text asking you to read back a verification code.
Questions people actually ask.
We will never ask you to read back a one-time passcode or move money to a "safe" account over the phone — hang up and call the number on your card if this happens.
Freeze your card immediately from the app, then contact customer service; you are protected under the zero liability guarantee for unauthorized charges.
Our privacy policy limits data use to servicing your accounts and required regulatory reporting — we do not sell customer data to third-party advertisers.
Think your account may be compromised?
Contact us immediately — support is available 24/7.
Contact us now