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Vanguard asks for a security code when you log in

Security codes are a required form of multi-factor authentication at Vanguard; you get them by text (mobile only) or phone call (U.S. numbers only).

• Choose to receive the code by text or phone call and enter it to finish logging in. You can also set up biometrics or a passkey in your security profile.

The phone you use for the Vanguard app was lost or stolen

Device management lists the devices you use to access your accounts in the app.

• Remove the lost or stolen device in Manage my devices to keep your accounts safe.

You see activity on your Vanguard account that you didn't authorize

Vanguard's fraud agents open a case, and Vanguard reimburses unauthorized money taken from your account if you meet its conditions.

• Contact Vanguard at 877-223-6977 or fraud@vanguard.com as soon as possible, scan your devices for viruses, then change your username, password, email and security questions and alert the 3 credit bureaus.

Someone calls saying they're from Vanguard

Vanguard may call about account activity or transfers and may ask you to read back a security code, but it will never ask for your login information or your full SSN. Caller ID can be faked.

• If you're in doubt, hang up and call Vanguard back at the number on vanguard.com, in the Vanguard app or on your statement.

Your mutual fund order didn't get today's price

Requests received before the NYSE close (usually 4 p.m. Eastern) get that day's closing price; later requests get the next business day's price. Cutoffs for other companies' funds vary.

• Check the fund's cutoff time by clicking its name when you place the trade.

You sold shares but the transfer to your bank hasn't shown up

When you sell, the money goes to your account's settlement fund, where it stays until you're ready to transact; uninvested cash is swept into it automatically.

• Check your settlement fund balance in your Vanguard brokerage account, then move the money to your bank.

Your bank transfer for a fund trade hasn't arrived

Trades paid or received by bank transfer should be debited or credited within 2 business days.

• Allow up to 2 business days for the bank transfer before contacting Vanguard.