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How does Smart Financial Credit Union determine if the cardholder receives an Automated Voice Response call or an SMS/text message?

Smart Financial Credit Union's fraud detection system supports two phone numbers for each cardholder. The alerting technology determines whether the phone numbers on record are landlines or mobile devices. Your home phone number will be your primary contact number to receive SMS/TEXT alerts in our system. If this phone number is not SMS/TEXT capable and you would like to receive text alerts, please contact the Member Service Call Center at 1 (800) 392-5084 so your information can be updated. Please note that if your phone is not text capable you will receive an alert in the form of an AVR voice message.

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