Fraud Text Alerts

Fraud Text Alerts for Austin Bank Debit Cards

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.

Cell phone displaying sample text messages



How it works:

  • Whenever suspicious transactions are detected (i.e. activity outside your normal shopping pattern, spending range, geographic area, etc.) you will receive a text message alert.
  • You should then respond to the text with either a YES or NO depending on whether you authorized the transaction in question.
  • If we do not hear from you, we will attempt to verify the transaction by phone and then by email.

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.

 

Text Fraud Alert FAQs:


Click or Tap Here to view all information.

What are text fraud alerts?

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.

What triggers these alerts?

Transactions that we have identified as potential fraud trigger the alerts.

What happens if I do not respond to the text alert?

If we do not hear from you, we will attempt to verify the transaction by phone and then by email.

How much does it cost?

Austin Bank does not charge for this service.  However, standard text message and data rates assessed by your mobile carrier may apply.

What if I get a new mobile number?

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.

If I receive an alert, does that automatically block my account from further purchases?

The majority of suspected fraud attempts will be blocked just as they are today.  However, some lower risk items may not be declined.

If I respond back that the transaction(s) are valid, will you automatically unblock my account?

Yes, though please keep in mind that it could take 5 - 10 minutes for a block to be removed in some situations.

If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try the purchase again?

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.

How can I stop text messages if I do not want to receive them any longer?

All you need to do is respond back to the SMS text alert with the word STOP.

 

Fraud Text Alerts click to view demo


HELPFUL TIPS:

Keep your contact information current.

Notify us when you travel.

Never provide sensitive information via text or email.  Austin Bank will never ask for this information.