No. Card compromise alerts notify you that your card was potentially exposed due to a data breach. SMS/AVR Text Alerts is a service that monitors card transactions for purchases outside of normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.
- The text message will arrive with a 5 digit code (33748) and 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 confirming 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 confirming 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 important messages by text, you may reply with STOP to indicate this preference.
- Some members may not have a phone with SMS/text capabilities. Those members will receive Automated Voice Response (phone message) instead.
- An example of an AVR message is as follows: “This is the fraud prevention department at Smart Financial Credit Union calling for John Doe. We need to verify some recent activity on yourMasterCard® 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. The number again is 1-800-442-4757. Thank you."
- For more information about Smart Financial Credit Union’s SMS Text/Phone Alert, go to“Debit Card Alerts”