Austin Bank adds another layer of security to your Austin Bank debit card with Fraud Text Alerts. A FREE* service that immediately notifies you of potential fraud on your debit card. (*Your mobile carrier's text messaging and web access charges may apply.) Your account has always been monitored for fraud, but now we can text you if we see something suspicious.
How it works:
All card related transactions are included in the Fraud Text Alert program as an enhancement to our existing fraud prevention procedures.
To insure you are enrolled in Text Fraud Alerts, Austin Bank must have your mobile number on file.
You may Opt Out of the program at any time. If you choose to Opt Out, you are only opting out of receiving text alerts and not from fraud monitoring completely. Your card activity will still be monitored the same as always, you simply will not receive a text alert.
Fraud Text Alerts are messages sent to notify customers about suspicious debit card activity. We will only ask you to verify if you made the purchase(s) or not, we will not ask for account or personal information.
Transactions that we have identified as potential fraud trigger the alerts.
If we do not hear from you, we will attempt to verify the transaction by phone and then by email.
Austin Bank does not charge for this service. However, standard text message and data rates assessed by your mobile carrier may apply.
If your mobile number changes, you will need to contact us so that we may update the system. Please contact your local Customer Service Representative or call Customer Care at 800-644-9275.
The majority of suspected fraud attempts will be blocked just as they are today. However, some lower risk items may not be declined.
Yes, though please keep in mind that it could take 5 - 10 minutes for a block to be removed in some situations.
Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 - 10 minutes of the initial text/email/call to validate activity.
All you need to do is respond back to the SMS text alert with the word STOP.