Fraud Text Alerts FAQs
Fraud Text Alerts Protect Your Orange County’s Credit Union Debit and Credit Cards
Keeping your information safe and secure is our top priority. We’re excited to announce we’re adding another layer of protection to your debit and credit cards through fraud text alerts.
If our real-time fraud monitoring service detects a suspicious transaction, we’ll send you a fraud alert via text message so you can quickly review and approve it right from your phone. Shop with confidence knowing that you’ll get notified immediately if we detect any suspicious activity on your Orange County’s Credit Union debit or credit card.
When will fraud text alerts be available?
Fraud text alerts will be available starting March 10, 2020.
How do I enroll in fraud text alerts?
If you’ve provided your mobile number to the Credit Union, you’ll be automatically enrolled to start receiving fraud text alerts.
If you need to verify or update your mobile phone number, go to your Settings in Digital Banking or call us at (888) 354-6228 Monday through Friday, 8:00 am to 7:00 pm, or Saturday, 9:00 am to 2:00 pm.
What happens if there is a suspicious transaction on my card?
If a suspicious transaction is detected by our real-time fraud monitoring service, we may block your card immediately for your protection. If you confirm that the transaction is valid, your card will be available for immediate use.
What should I do when I receive a text message about fraud on my Orange County’s Credit Union debit/credit card?
If you receive a fraud text alert, you can reply via text message to confirm the transaction is valid or not.
For Credit Cards:
If the credit card transaction is valid, reply “N.” This will tell our fraud monitoring service that the transaction is not fraud and you can continue to use your card as normal.
If the credit card transaction is not valid, reply “Y.” The transaction will be blocked and you’ll be instructed to call one of our fraud prevention specialists.
For Debit Cards:
If the debit card transaction is valid, reply “Yes.” This will tell our fraud monitoring service that the transaction is not fraud and you can continue to use your card as normal.
If the debit card transaction is not valid, reply “No.” The transaction will be blocked and you’ll be instructed to call one of our fraud prevention specialists.
What do the fraud text messages look like?
Sample Fraud Text Alerts
For Credit Card Transactions:
Fraud Text Alert:
FreeMsg: OCCU CU Fraud Alert for acct ending 1234. 02Oct $10.00 ABC Company. Is this Fraud? Reply Y or N. To Opt Out, reply STOP.
If You Reply N:
FreeMsg: OCCU CU Fraud Alert. Thank you for confirming this is not fraud. We appreciate your assistance.
If You Reply Y:
FreeMsg: OCCU CU Fraud Please call fraud prevention at 1-866-518-0213.
For Debit Card Transactions:
Fraud Text Alert:
FreeMsg: CMS OCCU: JUN 27 txn on card ending 1234: $10.00 Processed by ABC Company. If authorized reply YES, if not reply NO. To Opt Out reply STOP.
If You Reply YES:
FreeMsg: CMS OCCU: Thank you for confirming this activity. Your card is safe for continued use. To Opt Out reply STOP.
If You Reply NO:
FreeMsg: CMS OCCU: Thank you for your reply. Your card is now blocked. We will call you between 8AM – 9PM or call us toll free 24/7: 888-241-2440.
Note, fraud text alerts will be sent from two different numbers – one for credit card transactions and one for debit card transactions.
What if I don’t respond to the text message?
If you don’t respond to a fraud alert text message, an email alert will be sent to the email address we have on file. If there is still no response, a fraud prevention specialist will attempt to reach you by phone. We’ll place a temporary hold on your card until we receive confirmation regarding the transaction.
How do I opt-out of fraud text alerts?
You can opt-out of text alerts by replying “STOP” to any fraud alert text message.
Will I be charged for fraud text alerts?
No. This is a free service for our Members that allows you to receive and respond via text message without incurring charges from your wireless carrier.
Will fraud text alerts be sent to authorized credit card users?
No. Fraud text alerts will only be sent to the primary mobile number listed on the account.