We are monitoring your card activity to identify transactions that may not be within your usual
patterns. If we suspect a transaction may be fraud, we will mark that transaction for verification. Automated Fraud Alerts
allows us to contact you using electronic methods. Provide us with your mobile phone number (through registration) and we
will text you if a suspect transaction or series of transactions occur. You'll have the ability to immediately respond
'Yes - this is Fraud' or 'No - this is not Fraud' and we will take the appropriate action.
If you elect to receive Automated Fraud Alerts via SMS/Text, standard text message and data rates
assessed by your mobile carrier apply. Please check with your mobile carrier to ensure that you have 'text messaging' enabled
on your mobile phone plan.
T-Mobile, Verizon Wireless, AT&T, Sprint, Interop - Appalachian Wireless, US Cellular Corp®,
Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA, ALLTEL Communications Inc.
Yes. Our first priority is to protect your personal information. We never ask for your account
number, personal identification or other personal information via a text message. If you ever receive a text message asking
for your member number, account numbers or other personal information, please do not respond.
Text messaging is required for this service. If your mobile phone is able to send and receive text
messages, but you do not subscribe to the text feature, you will need to contact your mobile phone provider to add a text
messaging feature to your phone plan.
In order to receive SMS Fraud Alerts in a foreign country you will need to have a US phone number,
your carrier must support foreign text message delivery and the country you are in must be part of the Global System for
- A text message and/or pre-recorded voice call may be sent to your mobile device when there is
a suspicious transaction(s) identified.
- Simply reply to the text to confirm whether or not you recognize the transaction(s).
- If you reply to the text that you do not recognize the transaction(s), you will receive a text
response back asking you to call Fraud Detection at 1-888-918-7313 to report the fraudulent transaction(s) and close
the card. A block will be placed on your card to protect from further fraudulent transactions until you call us.
- If you reply to the text that you recognize the transaction(s), your card will remain available
- If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted at
your mobile device and home phone number listed on your account.
- If you receive a pre-recorded call, please listen to the prompts provided to review and respond
to the validity of each transaction that is presented during the call.
- To reply to the pre-recorded message left on your phone, please call the number provided in the
message to tell us whether or not you recognize the transaction(s).
Upon 'Submit', a page will display telling you to expect a text message. Reply "Yes" to the text
message within 48 hours to complete your registration.
- Click 'Register Here'
- Enter the requested information
- Click 'Submit'
Note: only one mobile number per card can be registered - if you are set up as a joint cardholder
with someone else (both cards have the same number) decide which person will sign-up for SMS/Text Automated Fraud Alerts.
The last number to register will be the phone number on file for alerts.
No. You can only enroll one mobile number per account.
You will need to complete the registration process to register your new mobile number on the
The message you will receive upon successful enrollment is: "Fraud Alert: Thank you for
registering for Fraud Alerts."
Typically responses arrive within one minute but timing may vary.
The system will require you to start the process over if you have entered incorrect information
3 times or if you used the back button during the process. Wait 30 minutes and then click 'Register' link to restart the
Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier
and ask them to remove the block from your phone. Please wait 48 hours before trying to register the number again to allow the
outstanding failed registration text attempt to clear.
Your response will not be recognized and you will receive the text "We did not understand your
input, please call the number on the back of your card". You will have to reregister and respond to the registration text
within 48 hours of your registration on the site to complete enrollment.
No. Commands can be sent as upper-case, lower-case or a mixture of both.
Text messages are unique in that they can only hold 160 characters. Some commands require multiple
messages to return all of the necessary information.
If your card is replaced due to a reissue, a lost or stolen card, no update will be needed to
continue to receive text alerts. Your registration for text alerts will apply to all current and reissued cards until you
revoke your registration.
To opt out, reply 'STOP' to a text alert.
- Text Enabled Mobile Phone Number
- Card Number
- Zip Code (what is shown on your card statement)
- Last 4 of the PRIMARY OWNER'S SSN
- Card Security Code (usually 3 digits on the back of the card, or 4 digits on the front)
- Card Expiration Date
You may also unsubscribe by skipping the text instructions and simply contacting customer service. Ask to be un-enrolled for
Automated SMS/Text Fraud Alerts.
To Opt Out of receiving pre-recorded calls on your mobile device about suspect transactions or
potential fraud, please call the number on the back of your card. Ask to be un-enrolled for Pre-Recorded Automated Fraud
Alerts - Digital Calls.