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Debit Card Services

Protecting your Debit Card

Protecting your MasterCard® Debit Card from fraud requires 24/7/365 days a year of monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If fraudulent transactions occur, we have the capability to contact you immediately and prevent future fraudulent transactions.

What we monitor

Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations; or, purchase patterns that are consistent with previously identified fraud trends.

How we contact you

Getting in touch with you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to contact you fast. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transaction was authorized by you.

Receiving a Text Message

  • The text message contain our financial institution name, dollar amount of the transaction and merchant name

  • You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirmation text message and can continue to use your card with confidence.

  • A “No” reply means you have not authorized the transaction. You will receive a confirmation text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.

  • Do not reply to the text message with any personal or confidential card information.

  • If you would like to opt out of receiving these text messages, you may reply with STOP to indicate this preference.

Receiving an AVR message (phone message)

Some members may not have a phone with SMS/text capabilities. Those members will receive an Automated Voice Response (phone message) instead.

Below is an example of a phone message a cardholder might receive:

  • This is the fraud prevention department at Smart Financial Credit Union calling for John Doe or Jane Doe. We need to verify some recent activity on your MasterCard® debit card ending in 1234. In order to prevent possible difficulties using your card, it is important that you call us back at your earliest convenience, toll free at 1-800-442-4757 to verify this activity.

You may call us back 24 hours a day, 7 days a week at: 1-800-442-4757.

Help us protect you

  • Keep us up to date with your current mobile and home phone numbers and contact information

  • Are you traveling within the U.S. or to a foreign country for an extended period of time? Contact us prior to your departure and we can create a travel exclusion based upon the duration of your travels.

* Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.

Add an extra layer of protection

Use MobiMoney to give your Smart Debit MasterCard an extra layer of protection from fraud or unauthorized transactions.

To learn more about debit cards alerts please visit Debit Card Alerts FAQs