All Debit/ATM card transactions are continuously monitored 24/7 for potential fraud activity using state-of-the-art intelligence technology and skilled fraud experts. This service reviews account activity and identifies transactions that appear to be out of the ordinary, such as point of sale (POS) purchases in foreign countries, travel outside of your home area or multiple transactions that are not typical or expected, such as simultaneous charges from two geographic regions.
All debit and ATM cardholders will be automatically enrolled in our improved free alert system. Here’s how it works:
Remember – our messages will never ask for your PIN or account number.
- When potential fraud is detected, you will receive an automatic email notification, with the option to reply with “fraud” or “no fraud.”
- If no response is received, one minute after the email, you will receive a text alert, which has a “fraud” or “no fraud” option.
- If no response is received, you will then receive automatic phone calls to confirm or deny fraud. The calls will also give the option of speaking to a fraud analyst.
The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it “Fraud Center,” it will display on your phone whenever you get a call from this number.
It’s also important to note that this service is different from our optional smsGuardian text alerts. Our new alert system has more robust detection capabilities that will complement the smsGuardian text alerts
If you are traveling out of the area, please call us at 1-800-442-6666 in advance so we can note your travel plans on your account and ensure uninterrupted service of your card.
Please feel free to call us at 1-800-442-6666 if you have any questions about potential fraud. This enhanced innovative service is just one more reason why the right bank makes a real difference