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SMS Guardian

For Your Peace of Mind – Text Alert Fraud Prevention

We’re looking out for you! Sign up for our new smsGuardian™ service and you’ll receive text messages regarding activity on your credit and debit cards. If you receive a text about a transaction that you think is fraudulent, you can reply immediately and your card will be blocked from further criminal activity. If you receive this message and you know the purchase is legitimate, you don’t need to do anything.

smsGuardianFeeling safer already? Give smsGuardian a try. You can enroll any of your USSFCU cards in this service. You may choose to receive text alerts on any device such as a cell phone or tablet.  Visit our enrollment Web site to register your credit/debit cards and mobile devices.

Here’s an example of what the service looks like in action. You might receive a text message similar to this:

Guardian Alert on card 12341 at XYZ Store2 for $500.003. Reply AA1234NO if unauthorized. Reply STOP to cancel alerts. 

1This will be the last four digits of your card number
2This will be name of the merchant
3This will be the purchase amount

*Additional examples of texts are available in our SMSGuardian FAQ.

If you receive this message and you know the purchase is legitimate, you don’t need to do anything. If you think that it’s fraud, you reply “AA1234NO” (per this example – Note: this will change with each text received) and your card will be blocked. Once USSFCU receives notification of the block we will issue you a new card and have it sent to you as quickly as possible. You can choose to cancel this service at any time by replying with the message “STOP.”

It’s pretty easy, and very reassuring. Visit our enrollment site today and start enjoying some peace of mind.

A few details -

  • Enrollments will be good for a period of one year. You will be notified prior to expiration of your Guardian account and may text a reply to renew.
  • Changing your mobile service provider may require you to re-enroll your mobile device.
  • The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones.
  • You are responsible for any text messaging fees from your phone or tablet service carrier.
  • To enroll all you need is the 16 digit card number, the last 4 of your SSN, and the phone number of the device on which you want to received the text alerts.

As a reminder the triggers which may result in a text are:

For Debit:
  • International Transactions
  • Fuel Transactions
  • Authorizations greater than $200
  • Card Not Present

For Credit:

  • International Transactions
  • Authorizations greater than $500
  • Card Not Present
 
CU AnyHour+ Login Routing Number: 254075250