Fraud Center Monitoring Service
This free security service is provided on all of our debit cards and recognizes customers’ purchasing patterns and can detect a transaction that occurs outside of normal activities.
Fraud or No Fraud? That’s the only question we’ll ask through this service. We will not ask for a PIN or entire debit card number. If there is a questionable transaction, the Fraud Center will ask if the transaction is fraudulent or legitimate through email or phone. Standard message and data rates may apply and additional international rates may apply if you're outside of the United States.
- Email - Click on the hyperlink “fraud” or “no fraud”.
- Text Message - Reply with “YES” if it’s fraudulent or “NO” if legitimate
- Phone - Respond “Fraud” or “No Fraud” to the phone call
- Be prepared with your billing address zip code for ID
When calling the Fraud Center, use the same device and number where the original message was received.
You must respond even if the transaction is legitimate. If the transaction is marked fraudulent or if the Fraud Center determines the transaction is fraudulent, the card will be permanently closed. A new card will be reissued and sent in the mail. If you do not respond, the card may be temporarily suspended and unavailable for use and the bank will need to be contacted for the card to be reactivated.
It’s extremely important to provide your current home and cell phone numbers and email address to ensure we can contact you if we suspect fraudulent activity. Stop by or call your local office to verify your contact information.
smsGuardianTM Text Alert Service
This service generates a text message alert that is sent to a mobile phone or other sms-enabled device each time specific card activity is detected. If the activity is fraudulent, call one of our offices or 1-888-297-3416 to have the card immediately closed. If you authorized the transaction in question, do nothing and continue to use your card. You need to sign up for this free service. This service will never ask for your PIN or entire card number.
Alerts will be sent for the following reasons:
- The transaction amount was greater than $500.00
- The transaction was processed outside of the U.S.
- There were 8 or more transactions within a 24-hour period
- The card was not present during the transaction
- The transaction was declined.
Standard message and data rates may apply and additional international rates may apply if you're outside of the United States. This service is not available for use with an international mobile phone or international sms-enabled device.
To review the smsGuardianTM notification service Terms of Service or Service Usage Guide or to change your settings, please log in to the Card Guardian site. To contact the smsGuardianTM notification service please call 888-868-8611 or email firstname.lastname@example.org.