Fraud Detective
Keeping your money safe is important to us. That's why we monitor your Debit Card transactions to safeguard your funds from fraudulent activity.
How It Works
- If there is potential fraud, you'll receive a text message.
- If you do not respond to the text message, you'll receive an automated phone call.
- Under no circumstances will you be asked for your full account number or PIN!
- Keep your contact information updated with us to ensure you can be reached.
- Notify us in advance of foreign travel.
If You Get An Alert
- If a text message is received, simply reply YES or NO to the text to confirm or deny the transaction. A phone call will be made if there is no response to the text message.
- If the automated call reaches your voicemail, a message will be left containing a phone number and case code.
- If you do not respond to the text message or the phone call, future transactions may be declined.
- In the event of an unauthorized transaction, you will be transferred to a Call Center Analyst.
Protect Yourself
Monitor your account activity and contact us immediately if you identify any fraudulent transactions.
Avoid Sharing Your:
- Address and phone number
- Date of birth
- Social Security number
- Card/account number or expiration date
- Note: Your PIN is private; never give it out under any circumstance.
How to Spot a Fake Alert
FAKE: You receive a text message or phone call stating that your Debit Card or credit card has been suspended or closed unless you click a link, provide your card number, account number, PIN, or other personal information. This is a scam. Do not respond and hang up.
REAL: With SNBT's Fraud Detective service, you may receive legitimate texts and calls that alert you to suspicious activity. A text from SNBT will ONLY ask you to respond "Yes" or "No" regarding recent transactions. Under NO CIRCUMSTANCES will you be asked to click a link or provide your full card number or PIN.
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