smsGuardian™ Text Alert Service
Our smsGuardian™ service, gives cardholders the ability to receive and respond to text alerts on pre-determined transactions chosen by Houston Federal Credit Union. The cardholders will receive text alerts on their cell phone with their enrolled Visa® or ATM cards.
Some benefits of smsGuardian™ for the cardholder:
- More efficient way of keeping track of daily transactions
- Two-way text communication
- Ability to enroll up to ten devices per card number
- Do-Not-Disturb window capability
- Enrollment is for one year
- All major phone carriers supported
Alert Message types that the cardholder will receive are:
- International Transactions
- Transactions Out of State
- Transactions > $100
- Three or More Transactions in 24 hours
- Card Not Present or Online Transactions
- Fuel Transactions (Service Stations and/or Automated Fuel Dispensers)
- All Declined Transactions
Text alerts will contain the following:
- Institution Short Name (HFCU)
- Last 4-digits of the card number
- Merchant Name
- Transaction Amount (not provided for automated fuel dispense or multiple transactions in 24 hours)
- Alpha/Numeric Code
- Text messages come from “27576” number
Depending on the type of alert, the text may contain additional verbiage to identify the type of transaction, location of transaction, or if the transaction was performed via the internet.
Text alert process:
- If transaction is unauthorized, cardholder should reply to text message with the proper code within 12 hours of receiving the text message. After 12 hours, the member would need to contact the Fraud Center or HFCU to report any unauthorized activity.
- Cardholder will receive a reply text from smsGuardian, confirming card is now blocked.
- If no reply is sent, the transaction is assumed to be valid
- If cardholder replies STOP, all future smsGuardian text alerts will be stopped for any card with that device enrolled.