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One-time Passcode Safety Feature for Online Purchases

The safety and security of our customers and their information is of utmost importance to us.  Beginning Thursday, October 24, we are implementing a new tool to help protect your accounts from fraud and debit cards from unauthorized use.

The new feature will connect digital merchants and financial institutions at the time of online checkout, and will help prevent fraud or unauthorized use of payment cards online.  (Note - this protocol will not  affect in person transactions where the debit card is physically presented for payment.)

This is a risk-based authentication solution which will

  • allow low-risk activity,
  • challenge medium-risk activity through the use of a one-time password, and
  • deny high-risk activity. 

When a payment request is deemed medium-risk, you will receive an SMS text message or email containing a passcode for the purchase.  (These codes will be sent to the cell phone number and/or email address you have on file with the bank.)  After receiving the code, you will enter it into the dialog box on the merchant's checkout page.  If verification is successful, the payment will be authenticated.

Example of your experience via SMS message:

Example of your experience via email message:

Note, SMS text messages will be received from 33072Email messages will be sent from noreply@enfactnotification.com.

Frequently asked questions:

  1. Do one-time passcodes expire?  Yes.  The one-time passcode will expire 10 minutes after it is sent out.
  2. What if I don't receive a code after I select a deliver method?  If you do not receive your one-time passcode, you will have the option to resend the code to either the same delivery channel OR via another method, if available.
  3. What happens if I enter the wrong passcode into the dialog box on the merchant checkout page?  If you enter an invalid passcode, you will be notified that it is incorrect and asked to please try again.  You will have a maximum of three (3) failed attempts.  Once you reach the maximum number of failed attempts, the authentication request will fail and you must reattempt your transaction.
  4. Is there a maximum number of times I can have a passcode resent?  Yes.  You can select to resend the code up to three (3) times.  Once that is exceeded, the resend button will be removed.
  5. What phone number or email address does the passcode go to?  The code will be sent to the mobile phone number or email address on file for the account associated with your debit card.  If this information is incorrect or has changed, please contact us to update that information.
  6. What number/address does the passcode come from?  For SMS text messages, the number is 33072.  For email messages, the address is noreply@enfactnotifications.com
  7. What will the message I receive look like?

Email message:

SMS message:

If you have additional questions, please call our Customer Care Center for help.  They may be reached at 1.800.644.9275.

20 comments

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Ruffhouse | Oct 21st 2024 @ 2:08 PM

I'd like to opt out of this nonsense, please.

Linda Stonehocker | Oct 21st 2024 @ 3:37 PM

How do I authorize a high risk purchase?

Alice F Fosson | Oct 21st 2024 @ 4:29 PM

Well, this means I won't be using my debit card any longer.

Tom Nichols | Oct 21st 2024 @ 4:41 PM

This seems like a pia. My wife has a card but she doesn't carry my phone with her. How is she going to verify anything? Guess I'll start writing checks again for anything over a couple of hundred bucks. I bet merchants aren't gonna be pleased with this process. Life is already complicated enough.

Austin Bank | Oct 21st 2024 @ 4:47 PM

In clarification, this protocol will only be put in place for online transactions where the debit card is not physically presented. This will not be utilized when the card is presented in person, so there will be no change in processing for those transactions. It is meant as another line of defense against potential fraud.

Mary Wolcott | Oct 21st 2024 @ 5:12 PM

Thank you for this added security. Unfortunately, it is a necessary inconvenience. I am happy to cooperate.

Kathy Clarkston | Oct 21st 2024 @ 6:33 PM

Will we get to choose how we to receive our code. I don't receive email messages on my phone. I would want to receive a text message.

Ron Hughes | Oct 21st 2024 @ 8:24 PM

This is total crap. I have a permanent passcode to use. I will not be standing in a checkout line waiting for a passcode to be sent to me. I will be using a different card other than Austin or cash.

Want to know | Oct 22nd 2024 @ 7:29 AM

What's deemed a high risk purchase? What if its a place we normally by from but you see it as high risk. But we've never had a issue. Do high risk ever get approved?

Laura Wood | Oct 22nd 2024 @ 7:51 AM

What monetary value is considered "high risk"? How do you authorize a valid "high risk" purchase online?

K. Clynch | Oct 22nd 2024 @ 8:37 AM

I understand the added security but am concerned about being denied for "high risk" purchases. I would rather have the code for that, too. It's embarrassing to be denied mid-transaction at a store!

Linda ivy | Oct 22nd 2024 @ 9:28 AM

I want to opt out

Wanda Johnston | Oct 22nd 2024 @ 10:01 AM

I understand that this code is only necessary when we do not have our debit card to swipe. For instance, if I order something on line & give a debit card # without swiping or physically using my card, then I would wait for the code. Is this correct? Also I don’t think there was proper notice to begin this change.

C Allen | Oct 22nd 2024 @ 2:33 PM

It would make sense that I can change the phone number associated with my husband's card seeing as how we have had a joint account for 35 years. This doesn't seem to be making my life easier!!

Tina Ornelas | Oct 22nd 2024 @ 3:00 PM

Is high risk over a certain amount? And how do you determine medium risk. Please clarify.

Randy Brown | Oct 22nd 2024 @ 6:42 PM

Doesn't sound too complicated to me actually I think that is better than the old way I was buying some stuff from DPF remedy a few months ago and it was denied because I've never bought from them using my card before so I had to call the number they had to send me a code had to put it in and then it still didn't go through had to call him back they had to send me another code finally went through after three tries the company I was buying from was not happy but it finally got resolved so it soun

Beverly Scheppler | Oct 27th 2024 @ 10:10 AM

Thank You

Richard Cole | Oct 28th 2024 @ 10:40 AM

I don’t carry a phone with me. Guess I should cancel my account.

RAY SMITH | Nov 1st 2024 @ 8:54 PM

Thanks to this new requirement, two tickets @$400.00 were denied. I had no idea that someone tried to use my debit card information. I think some of the people protesting this added security miss the bit that says when your debit card is NOT present.

Sheryl Palmer | Nov 19th 2024 @ 3:39 PM

I like it!

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