CARD ALERT NOTIFICATION

Our Card Alert Notification Service protects your debit card from fraud!



Granite Hills Credit Union’s fraud detection programs monitor your MasterCard® debit card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we’ll contact you immediately to avoid future fraudulent transactions.

No need to sign up, you are already covered, free of charge. If we have your cell phone number, you will receive a text message. (Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.)

If we have your land line on file, you will receive an Interactive Voice Response (IVR) message.


What we monitor Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.

How we contact you Getting hold of you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to get hold of you fast. With our Card Alert Notification service, you will receive a text or IVR message asking you to confirm if a suspicious transaction was authorized by you.

Receiving a text message
  • The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name. (You may receive an IVR message that will come from 877-230-3179)
  • You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
  • A “No” reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.
    • Do not reply to the text message with any personal or confidential card information
    • If you would like to opt out of receiving these important messages by text, you may reply with STOP to indicate this preference
Help us protect you
  • Keep us up to date with your current mobile and home phone numbers and contact information.
  • Traveling in the U.S. or to a foreign country for an extended period of time? Contact us prior to your departure and we’ll make our monitoring more flexible during your travel or vacation time.
* Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.

FREQUENTLY ASKED QUESTIONS – FRAUD ALERTS

Q: Will I automatically be turned on for the fraud alert service?



Q: Are there costs for receiving SMS/text alerts?



Q: Are there costs to a cardholder for receiving IVR alerts?



Q: Are there costs to the cardholder for responding to an alert?



Q: Can a cardholder opt out of receiving SMS/text fraud alerts?



Q: Is email supported for fraud alerts?



Q: What is IVR?



Q: Will the name of the Financial Institution always be spoken to the cardholder in an IVR message?



Q: When a cardholder receives an IVR message, what number is displayed on caller ID?



Q: When the cardholder receives an SMS/text message, what number is displayed?



Q: How is it determined if a cardholder receives an IVR call or an SMS/text message?



Q: How often does Vantiv (the company that manages the program for Granite Hills) attempt to contact the cardholder if there is no reply to the first message?



Q: How often does Vantiv (the company that manages the program for Granite Hills) attempt to contact the cardholder if there is no reply to the first message?



Q: What if no phone number is present in the Home Phone or Work Phone field or the number is invalid?



Q: Will text/IVR alerts be sent to international phone numbers?



Q: What does the outgoing text alert that is sent to the cardholder contain?



Q: What message is left when the IVR places a call to a cardholder?






Granite Hills Credit Union is a locally managed, not for profit financial institution open to anyone who lives or works or worships in Washington or Orange Counties of Vermont and their families.
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