Fraud Alert Text Messaging
At ACCESSbank, we use EnFact to protect your account from fraudulent activity. EnFact is a powerful tool that is constantly working to catch suspicious activity on your debit card account. When suspicious activity is detected, EnFact will contact you via phone call and/or text message to verify that the transactions made, or those attempting to be made, are coming from you and not a scammer.
Potentially fraudulent activity may include:
- Your card being used to make a purchase out-of-state.
- Your card being used to make a transaction with a larger dollar amount, or a series of larger dollar amounts, than you typically spend.
- Your card being used to make a purchase at a store you haven't frequented or visited in the past.
- Your card being used out-of-state or at a retailer you don't frequent and your PIN number was entered wrong.
Getting Started: Add us to your contacts
- Create a new contact in your phone titled ACCESSbank Verifications. Program the following two numbers associated with verifications:
- 37268: This is the number from where you'll receive text alerts from us.
- 833-735-1897: This is the number from where you'll receive a phone call from us.
When we text you
If we detect suspicious activity on your card, you'll receive a text message detailing the suspected transaction. Here are some things you should know:
- A text alert warning you of suspicious activity on your card will never include a link to be clicked.
- A valid notification from EnFact will provide information about the suspicious transaction and ask you to reply to the text message with answers such as 'yes,' 'no,' 'help,' or 'stop'.
- A text alert from EnFact will always be from a 5-digit number and not a 10-digit number resembling a phone number.
When we call you
If we can't reach you by text message, we will call to validate the legitimacy of your transactions. Your participation is essential to prevent potential risk and avoid restrictions on the use of your debit card.
- We will verify your identity and asking for your 5-digit ZIP code.
- You'll be able to respond via your touchtone keypad.
- If the transaction is fraudulent, you will be transferred to an agent who will ask questions to verify your identity before going through your transactions.
- You'll also be given a toll-free number to call if you have more questions. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers (cell, home, and work) and address always.
Additional Fraud Services
More Ways to Keep Yourself Safe from Fraud
- Check your account often for suspicious activity - either through the Internet, phone or statements.
- Use your body or hand to "shield" the pin pad or ATM as you enter your pin.
- Always take your receipts with you and check them against your statements.
- Report unauthorized transactions immediately.
- Never give your personal or financial information in an email or over the phone unless you have initiated the contact.
- Use online banking to protect yourself.
- Monitor your credit report. Order a free copy of your credit report annually from each of the three credit reporting agencies.