We’ve always monitored your debit and credit card for fraud, but now we can quickly contact you if we see something suspicious. American Trust Visa® Debit and Credit Cards now come with SecurLOCK™ Communicate enhanced fraud prevention tools. Here’s what you can look forward to as a cardholder.
Real-time interactive fraud alerts
If we detect a suspicious personal or business debit or credit card transaction, our fraud department will send you a fraud alert via text message, call your cell phone, or e-mail you. Standard message and data rates may apply.
We need your current contact information!
SecurLOCK Communicate is a great enhancement in fraud prevention, but it only works if we have your current contact information. To check the status or update your contact information, call 800.373.1841 during regular business hours.
Here’s how it works
1When our credit card system detects a potential fraudulent transaction an alert is texted to your cell phone and will ask you to reply Yes if the transaction is valid, or No if the transaction is fraudulent. Following is an example:
FreeMsg: American Trust & Savings Bank Fraud Dept: Suspicious txn on acct 1111:$201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.
2If there is no response to the text(s), then an automated voice call is generated to you with applicable prompts asking you to confirm the authorizations are valid or unrecognized.
3If there is no response to the text or voice call, or if your cell phone number is not on file, then an e-mail is sent requesting you confirm the transaction is valid.
Once you respond that the transaction is valid, the temporary block is removed within 5 to 10 minutes so you are not inconvenienced by long wait times when calling to have a block removed.
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Answers to questions about SecurLOCK Communicate™:
Q: Is this service 24 hours, or only in a certain window?
A: We have calls only going out during certain hours so you aren’t being called after normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in your time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in your time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.
Q: How can I stop text messages if I don’t want to receive them any longer?
A: All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!
Q: Can the alerts be sent to customers travelling internationally?
A: These customers have U.S. numbers, but are travelling overseas, possibly on a non-US carrier. We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.
Q: How do customers enroll?
A: We have already included you in these enhanced services as part of our fraud protection services.
Q: What triggers these alerts?
A: Transactions that we have identified as potential fraud trigger the alerts.
Q: If I receive an alert, does that automatically block my account from further purchases?
A: The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.
Q: If I respond back that the transaction(s) are valid, will you automatically unblock my account?
A: Yes, though please keep in mind that it could take 5 – 10 minutes for a block to be removed in some situations.
Q: If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?
A: Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 – 10 minutes of the initial call/text/email to validate activity.
Q: What if my “yes” or “no” text response has a typo?
A: The system will accept many common typo variations of the “yes” or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.
Q: Is there a difference for consumers and businesses cardholders?
Q: Can I establish preferences through my mobile app?
A: Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is: 1) Text 2) Voice Call 3) Email Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.
Q: How do incoming and outgoing voice calls work?
A: Communicate actions are triggered by today’s existing fraud alerts through the Falcon system. If a mobile phone is on record, a text alert will be triggered first. All numbers on record that are identified as a mobile phone will be utilized. Communicate has technology that allows it to determine if a phone number is a mobile or land line, so indicators within the processing platform are not required. If we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. If you select “Not Recognized,” the call is transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting that you confirm the transactions are valid.