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How AFFCU's Visa Card Fraud Alerts Work


Text Message Alerts

Voice Call Alerts

Enrollment If you have a cell phone number on file for you, you are automatically enrolled to receive Text Message Alerts. If you have not opted-in to receive Fraud SMS/Text alerts, the fraud system will call you at the main phone number we have on your account.
Notifications received from 32874 1-877-876-4085
1st Notification A text message will be sent to cell phone number you opted-in with. The text message will provide the last 4 digits of the card number used, the amount of the transaction, the name of the merchant making the charge, and provide you with the reply options. Reply YES if the transaction is authorized or reply NO if it is unauthorized. You will also have the option to opt out of alerts by replying STOP. You will be called and prompted to authenticate your identity. (You WILL NOT be asked for complete information such as full social security number or full card number.) You will then have the option to indicate if the transaction in question is authorized or unauthorized.
If your response is that the transaction is not authorized If you reply NO that the transaction is not authorized, a fraud specialist will then call you to confirm your reply that the transaction is unauthorized. If the transaction is unauthorized, your card will be blocked and you can contact us directly for next steps.
If your response is that the transaction is authorized If you reply YES that the transaction is authorized, you'll receive a second text message thanking you for confirming the activity and letting you know the account is safe for continued use. Your card will remain active and no further action is required.
If there's no response from Falcon's initial contact attempt. If no response is received from the initial text message, a second text will be sent followed by a voice call to the cell phone number on file in attempt to reach you. If there's no answer, a message will be left that includes a case number and a phone number for you to call and verify the transaction. You can also contact us during normal business hours to review your account.