Fraud Text Alert FAQs
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Numerica continually monitors our members’ debit and credit cards for fraudulent activity. We are excited to bring you another level of well-being by introducing Fraud Text Alerts! If our fraud monitoring service detects a suspicious transaction on your account, we will alert you via SMS/text message of the transaction.
How do I enroll in fraud alerts?
If you have provided Numerica with your mobile phone number, you are automatically enrolled and will start receiving fraud alerts by text message. Text messages will be sent between the hours of 7 a.m. and 9 p.m. PST.
Please note, your mobile phone must be updated in the correct field and NOT listed as home number. It can be listed as both your home number and your “mobile” number.
What happens if there is a suspicious transaction on my card?
When our real-time fraud monitoring service detects a suspicious transaction we may block your card immediately for your protection. If you confirm that the transaction is legitimate, your card will be available for immediate use. Call us at 800.433.1837 if you need assistance.
How will I be alerted of a suspicious transaction on my card?
Fraud text alerts are delivered by SMS/text message. If you do not respond to the first text, you will receive an additional text. If you do not respond to any of the text messages, you’ll receive a phone call to the phone number we have on file for you.
Should I respond to a fraud alert?
Yes. For your account security, it is important to respond to fraud alerts. This allows us to take immediate action to protect your account (if the charge was indeed fraudulent) or allow your account to be available for future transactions (if the transaction was authorized). If you don’t respond to any of the calls or text messages, it may disrupt your ability to make purchases with your card.
Will I be charged for fraud alert texts?
No. Numerica’s card processor supports Free-to-End User two-way text messages alerts, which allows you to receive and reply to without incurring charges from your wireless carrier.
What do the SMS fraud text message look like?
Sample SMS Text Messages:
SMS Alert FreeMSG:
NumericaCU: Possible unauthorized txn on acct ending in 1234: $10.00 processed by ABC Company. If authorized reply YES, otherwise reply NO. To Opt Out of alerts, reply STOP.
SMS Response to YES FreeMSG:
NumericaCU: Thank you for confirming this activity, your account is safe for continued use. To Opt Out of alerts, reply STOP.
SMS Response to NO FreeMSG:
NumericaCU: Thank you for your reply. A fraud specialist will call you immediately to protect your account. Please answer this important call. To Opt Out of alerts, reply STOP.
Can I opt out of receiving fraud alert messages by text?
Yes. If you receive a fraud alert by text, please first confirm if the transaction was authorized. Next, simply respond “STOP” to the text message.
By opting out, you will continue to receive fraud alerts by phone call. However, text messages fraud alerts are a great way to receive notification in real-time when there is a suspicious transaction on your card. This allows you to take immediate action to help protect your account.
Important Notice: Fraud alerts sent via SMS/text may not be delivered to you if your phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of your wireless carrier may interfere with message delivery for which they are not responsible.
Fraud alert important steps to take:
- Update your contact information with Numerica (if necessary).
Have you moved recently or changed your cell phone number? Please let us know. We need your updated contact information so you can receive important alerts about your accounts. You mobile phone number needs to be updated in the correct field. If your mobile phone is listed as home phone, alerts will not send.
- If you are concerned your card has been compromised but have not received a fraud alert, please call Numerica at 800.433.1837 or stop by your nearest branch
- To further help prevent unauthorized use of your Numerica credit or debit card, please consider the following free services:
- Enroll in our Alerts & Notifications service through Online Banking which will immediately alert you to any transactions that post to your account .
Numerica will NEVER send you a message asking for your personal or account information. If you receive a message asking for this type of information, contact Numerica immediately and do not respond to the message.