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Use your Vectra Bank Debit and Credit Cards with confidence. In addition to zero liability for unauthorized charges, with free[cite::60::cite] Mobile Card Fraud Alerts you receive a text message any time we see a potentially fraudulent transaction on your account.
Text alerts are conveniently sent to your mobile device for easy messaging that won’t add to your email clutter.
Near real time transaction alerts are sent so conflicts can be resolved quickly and easily.
Whether activity is fraudulent or just unusual, you will receive alerts for added protection and peace of mind.
As soon as Vectra Bank® detects something suspicious on your Vectra Bank credit or debit card, a fraud alert is sent by text message to your mobile phone[cite::59::cite]. All you have to do is text back a “Y” or “N”. “N” if the purchase is valid. “Y” if it’s not valid. If you text “Y” to tell us it’s not your purchase, we’ll text you a number to call to validate outstanding charges, prevent any further fraud and start the process of getting you a new card–helping to protect you, your account and your peace of mind.
It’s that simple and quick. And it works with any Vectra Bank® Visa® credit card or debit card as well as MasterCard cards.
Signing up is easy. There is no app to download, the service is free[cite::60::cite] and it’s easy to enroll!
If you have questions be sure to view the Mobile Card Alerts FAQs below or if you need assistance please call us at: 888–648–7850.
See Terms and Conditions for complete details.
The Bank does not charge for this service. However, standard text message and data rates assessed by your mobile carrier may apply. Please check with your mobile carrier to ensure that you have ’text messaging‘ on your monthly mobile phone plan.
T–Mobile®, Verizon Wireless®, AT&T®, Sprint®, Boost®; Mobile, Cricket® Wireless, Virgin Mobile USA, ALLTEL®; Communications Inc., Interop – Appalachian Wireless, US Cellular®, Cincinnati Bell (SM). (This list is current upon publication but subject to change without notice.)
We monitor transactions using your card for potential fraud. When we identify a transaction that may be fraud, we may block that transaction or further use of your card until we receive confirmation from you that the requested transaction was legitimate. Visa Alerts establishes a way that we can communicate with each other faster and thereby un–block your transaction and card more quickly.
Typically, alerts arrive within a few minutes, but timing may vary based on your mobile provider, and accessibility to mobile network. If a charge occurs before 9 am or after 8 pm, you will not receive the text until it is within that timeframe. In some cases your card may be blocked from further transactions until we are able to contact you. You can reach us 24 hours if you have concerns or problems with your card at 1–866–749–7470.
The hours we will contact you are 9am to 8pm. This timeframe is based on the time zone of your mobile device area code. If a charge that we suspect may be fraud occurs outside of that timeframe, we will not send you a text and try to call you until that timeframe.
Your mobile phone may be blocked from receiving third-party text messages. Contact your carrier to see if this applies to you and ask them to remove the block from your phone.
Text messaging is required for this service. If your mobile phone is able to send and receive text messages, but you do not currently subscribe to this service, you will need to contact your mobile phone provider to add the text messaging feature to your mobile phone plan.
Messages can only be sent via U.S. carriers and will only be receivable in the U.S. If a transaction is flagged as suspicious we will send a text but it may not be received while you are outside of the U.S. Some messages on U.S. carriers may be received while traveling; however it will depend on that carrier’s coverage area. It is always a good practice to inform us of your travel plans by calling 1–866–749–7470 prior to traveling outside of the U.S. Doing so will help avoid having legitimate charges flagged as potentially fraudulent. In some cases your card may be blocked from further transactions until we are able to contact you.
No. Commands can be sent as upper–case, lower–case or a mixture of both.
No. Only one mobile phone number can be linked to a single card number.
In order to receive alerts at your new number, you will need to re–enroll your card(s) in fraud alerts using your new phone number. Your old number will no longer be enrolled when you do this.
Text messages are unique in that some mobile phone carriers can only hold 160 characters per text. Some commands require multiple messages to return all of the necessary information. In some cases, you may receive these alerts out of order. Please be sure to wait and review all messages before responding.
We will never ask you to text us your account number, personal identification such as your birth date or social security number, or other personal information such as your mother’s maiden name or address. If you ever receive a text message asking for your account numbers or other personal information, please do not respond and contact us at 1–800–509–0806.
Send a text that says STOP to 89806 or reply STOP to any Fraud Alert message that you receive. This will cancel any further alerts for the card number associated with the text you received. You will receive an opt–out confirmation.
No, Mobile Card Fraud Alerts does not replace Visa Purchase Alerts. Visa Purchase Alerts allows you to monitor your card transactions based on your selection criteria. Mobile Card Fraud Alerts notify you when there may be suspicious activity on your account as flagged by our Fraud Detection System.
Purchase Alerts are a one-way* text communication that sends you notifications based on criteria that you selected (e.g., international transactions, online transactions or transactions above x dollars, etc.).
Mobile Card Fraud Alerts are a two–way** text communication generated by our internal Fraud Detection System based on what the bank may deem as a suspicious transaction. The Mobile Card Fraud Alert will allow you to respond to the alert, which will communicate with our Fraud Detection System, saving you the time from having to contact the Customer Service Center for legitimate activity.
When the bank suspects fraudulent activity, your account will be suspended until we confirm the activity is valid and authorized by you. Mobile Card Fraud Alerts are a two–way** text communication system that provides a quicker notification and potential response than phone calls.
Purchase Alerts are a one–way* text communication that sends you notifications based on criteria you selected (e.g. international transactions, online transactions or transactions above x dollars, etc.). You are not able to respond to the bank via a text message on a Purchase Alert.
Our fraud alert service encompasses multiple strategies driven by current fraud trends. We look at many variables when determining that a transaction is suspicious and potentially fraudulent (for example, the number, dollar amount and rate of transactions, merchant type and location). We also monitor prior account usage patterns, for example a transaction that is presented from a geographical location not consistent with your other account transactions.
In some cases, the characteristics of multiple transactions may raise suspicion. So, the text message you receive may ask about more than one transaction.
Yes, if we do not receive a reply text back from you within 30 minutes, we will call you at the phone number we have on file during our customer service hours of 9am–8pm, based on the time zone of your mobile device area code.
Our alert notification system is set up to send you a text that includes the 3 most recent transactions on your account that have yet to post. The most recent transaction that was pending, prior to your enrollment prompted the fraud alert message to be sent. If any of the 3 transactions are suspicious, please reply accordingly to the message.
Some merchants pre–authorize transactions before the purchase is actually made. This is very common with pay-at-the-pump gas transactions and restaurants. In these instances, your mobile fraud alert text message is showing the pre–authorization amount designated by the merchant instead of the actual transactions amount. This pre–authorization amount will not be posted to your account.
If you confirm that your card has had a fraudulent transaction, the card will be closed and a new card ordered. When you receive your new card, you will need to re–register your mobile phone number with the newly issued account number to continue receiving text messages about potential fraudulent activity.
If your phone is no longer in your possession please enroll your new phone number or request to be removed from the texting until you have a new phone number. If we are unable to contact you regarding a fraud alert by text message, or we do not receive a response we will try calling you.
There is a two–step process to enroll a customer in Mobile Card Fraud Alerts. First you go to the website and fill out all the requested information and accept the Terms and Conditions. Then a text is sent to the mobile number you enrolled. You must respond ”YES“ to that text to complete enrollment. If you do not respond to the first text after 24 hours, a second text is sent. After 24 hours, if there is still not a response the enrollment process is stopped.