We’re pleased to announce that real time fraud alerts are now available via text message to your mobile phone. Whenever suspicious transactions are detected (i.e. activity outside the normal shopping pattern, spending range, etc.), we’ll first try to make contact with you via a text message alert on your mobile phone. This will allow you to instantly verify or deny transactions on your accounts. If the charge is legitimate, you’ll text back the word YES and you may need to swipe your card again. If the charge is invalid, you’ll text back NO which will stop the unauthorized transaction in its tracks. If we don’t hear from you via text message, then we’ll make an attempt to reach you by phone.
The text message or Short Message Service (SMS) message will include our name (Spokane Federal Credit Union) along with the last four digits of your account number and information about the suspicious transaction which triggered the fraud alert. Additionally, it will provide you with options to confirm the activity as valid or as unrecognized. This service is free to you.
Here are some examples:
FreeMsg: Spokane Federal Credit Union Fraud Dept 8003694887: Suspicious txn on acct 1111: $201.99 POTTERYBARN. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.
If you reply YES the case will be closed as “not fraud” and you will receive the following response:
FreeMsg: Spokane Federal Credit Union Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.
If you reply NO the Automated Call System will generate an outbound call to the cardholder during available calling hours. The cardholders will be asked to identify themselves and the call will then be transferred to a Fraud Alert Specialist. The cardholder will also receive the following response:
FreeMsg: Spokane Federal Credit Union Fraud Dept: Thank you. We will call you or you can call us anytime at 800-369-4887. To Opt Out reply STOP.
Help Us Protect You:
- Keep contact information current – Make sure and keep your contact information current. To verify that your contact information is correct, log in to home banking, click on User Options, Change Member Info. There you can verify your address, mobile number, email, and home phone number. You can also call our phone center or stop by one of our branch locations anytime. We love seeing you!
- Taking a trip? Don’t forget to notify us—Be sure and let us know if you’ll be traveling so we can make a note of it. We’ll probably be a little jealous.
- Never share personal account information – Spokane Federal will never request sensitive account information via text message or email. Don't provide your SSN, account number(s), card PIN, mailing address, etc.
We live in a time when acts of fraud seem to be common place which is why we’ve added text alerts. This is added security protection that’s quick and easy. The security team at Spokane Federal closely monitors suspicious credit card activity on a daily basis and we’ll continue to do so. Ensuring your security is top priority for us.
If you have any questions regarding SecureLock, stop by and see us at 601 W. Mallon or 1212 W. Francis. Or, give us a call at (509) 328-2900.