Automated Fraud Alerts

Automated Fraud Alerts

Did you know your Consumers Credit Union VISA credit card and debit card have the added protection of free fraud monitoring? We monitor your card activity to identify transactions that may not be within your usual patterns. If we suspect a transaction may be fraud, we will mark the transaction for verification. It’s important that we are able to communicate suspected fraudulent transaction information to you in a timely manner, through your preferred communication method! Consumers Credit Union is proud to offer Automated Fraud Alerts!

Automated Fraud Alerts allows us to contact you using electronic methods. Provide us with your mobile phone number (through registration) and we will text you if a suspected transaction or series of transactions has occurred. You’ll have the ability to respond “Yes - this is fraud” or “No - this is not fraud” and we will take the appropriate action.

How does it work?

A text message and/or pre-recorded voice call may be sent to your mobile device when there is a suspicious transaction(s) identified. Simply reply to the text to confirm whether or not you recognize the transaction(s). If you do not recognize the transaction(s), you will receive a text asking you to call 888-918-7313 for further assistance. There will be a block placed on your card to protect you from further fraud until you call us. If you reply to the text that you recognize the transaction(s), your card will remain available for use.

If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted to your mobile device and home number listed on your account. If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presented during the call.

How do I register?

Debit Card Holders:

You can register for Automated Fraud Alerts through your CCU Online Banking. Simply log-in and click on ‘Manage Profile’, then ‘Manage Alerts’. Under ‘Add/Edit Debit Card Fraud Alerts’ select ‘Manager Debit Card Fraud Alerts’. 

You will need a text enabled mobile phone with a US phone number, your card number, zip code (as shown on the account), last 4 numbers of the primary CCU account owners SSN, CVV code (3 digit code on the back of the card), and the card’s expiration date.

Credit Card Holders:

You can register for Automated Fraud Alerts through your CCU Online Banking. Simply log-in and click on the hyperlink for your VISA credit card suffix. To enroll in Automated Fraud Alerts, hover over ‘Communications’ then select ‘Fraud Alerts’. 

You will need a text enabled mobile phone with a US phone number, your card number, zip code (as shown on the account), last 4 numbers of the primary owners SSN, CVV code (3 digit code on the back of the card), and the card’s expiration date.

How much does it cost to use this service?

If you elect to receive Automated Fraud Alerts via text, standard text messaging and data rates assessed by your mobile carrier apply. Please check with your mobile provider to ensure you have ‘text messaging’ enabled on your mobile phone plan. 

Consumers Credit Union does not charge a fee for this service.

Is this service safe and secure?

Yes! Your security is our first priority! We will never ask for your account number, card number, PIN number or any other personal information via text message. If you ever receive a text message asking for any personal or identifying information, please do not respond. Call Consumers Credit Union at 877-275-2228 immediately to report the fraudulent text message.

What if I do not have text messaging?

Text messaging is required for this service. You must subscribe to the text feature through your mobile provider. You will still be able to register for this service even if you are unable to receive text messages, however, the service will not work as expected. Please do not register for this service if you are unable to receive text messages.

What number will the fraud alert come from?

Fraud Alerts will come from 724-88. Please save this number under your contacts with a name that you will recognize. We recommend ‘CCU Fraud Alerts’.

If I am traveling outside of the US, can I receive text message alerts?

In order to receive text messages in a foreign country you will need a US phone number, your carrier must support foreign text message delivery and the country you are in must be part of the Global System for Mobile Networks. Check with your mobile provider for text messaging rates while outside of the US.

Can I add multiple phone numbers?

Debit Card Holders:

No, you can only enroll one mobile number per debit card number. Please remember each account owner has a different debit card number.

Credit Card Holders:

No, you can only enroll one mobile number per account.

If my mobile phone number changes, what do I do?

You will need to resubmit registration to update your new mobile number on the account.

During registration, why did I receive an error message that my account is blocked?

The system will require you to start the process over if you have entered incorrect information 3 times or if you used the back button during the registration process. Wait 15 minutes and restart the registration process.

I enrolled in the service on-line and never received a text message to complete my registration.

Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone. Please wait 48 hours before trying to register again to allow the outstanding failed attempt to clear.

What happens if I reply “Yes” to the enrollment text after 48 hours?

Your response will not be recognized and you will receive a response asking you to call the number on the back of your card. No need to call, just complete the registration process again and respond to the text within 48 hours of receiving it!

Why do I receive multiple messages with Pg 1/2, Pg 2/2?

Text messages are unique in that they can only hold 160 characters. Some messages may require multiple messages to provide you with all of the necessary information.

What if I receive a new card to replace my already registered card?

Debit Card Holders:

Anytime you receive a new debit card number, you will have to complete the registration process. If you are issued a replacement of your current debit card number, you do not have to complete registration again.

Credit Card Holders:

If your card is replaced due to reissue or if it has been reported as lost or stolen, no update will be needed to continue to receive text alerts. Your registration for text alerts will apply to all current and reissued cards until you revoke your registration.

How do I opt-out of text alerts and/or pre-recorded phone calls?

To opt-out of text alerts, reply STOP to any text alert. You may also unsubscribe by skipping the text instruction and calling the number provided on the back of your card. Ask to be un-enrolled for Automated Fraud Alerts.

To opt-out of pre-recorded phone calls on your mobile device, call the number on the back of your card and ask to be un-enrolled from Pre-Recorded Automated Fraud Alerts/Digital Calls.