We are constantly monitoring credit and debit card transactions to identify and prevent fraud on your account. Carter Credit Union is committed to providing our members with the best fraud-fighting tools to strengthen our defenses and help our members take immediate action against fraud. Should we identify suspicious transactions on your account, we will attempt to contact you about the activity via SMS, phone or email to determine if the transaction was authorized.
Please remember that we will never ask for account information, passwords, or other sensitive information via these unsecure channels. Our SMS fraud alerts only require a simple yes (Y) or no (N) reply. If you aren’t certain if the message is authentic, please contact us at 800-367-5026 to learn more.
Thank you for being our member and allowing us to secure your account!
SMS stands for Short Message Service and is also commonly referred to as a “text message.” With an SMS, you can send a message of up to 160 characters to another device. Longer messages will automatically be split up into several parts. Most mobile phones support this type of text messaging.
There’s no need to register for automated fraud alerts. As a member of Carter Credit Union you are automatically eligible to receive fraud alerts via SMS, phone or email. Please make sure to review and update your contact information so that you will receive alerts should there be any suspicious transactions on your account.
There’s no cost to use the automated fraud alerts service. Carter Credit Union pays for all costs associated with sending and delivering the SMS fraud alert messages to your mobile device. This service is provided to you free of charge.
Yes! Your security is our first priority! Our fraud alert messages will simply ask you to reply Y or N to confirm charges. We will never ask for your account number, card number, PIN number, or any other personal information via text message. If you ever receive a text message asking for any personal or identifying information, please do not respond. Call Carter Credit Union at 800-367-5026 immediately to report the fraudulent text message.
You will still receive automated fraud alerts via phone and email. A text messaging plan is not required, but is a great way to receive fraud alerts about your Carter Credit Union account.
SMS fraud alerts will come from 919-37. You may want to save this number in your contacts with a name you will recognize for future alerts. We recommend ‘CU Fraud Alerts’. Fraud alert messages sent from this number will also be labeled with Carter Credit Union’s name.
Please update your contact information as soon as possible so that alerts will be sent to the proper number on file. You will still receive alerts on your home phone number or email, if that information is on file. Accurate contact information is important so that we can reach you in the event we identify suspicious transactions on your account.
Most SMS messages have a maximum length of 160 characters per message. Some alerts may require multiple messages to provide you with all the necessary information. All SMS messages are paid for by Carter Credit Union and you will not be charged for any text message alerts.
To opt-out of text alerts, simply reply STOP to any text alert. You will no longer receive fraud alerts via SMS message. You may also opt-out by calling the number provided on the back of your card and asking to be opted out of Automated Fraud Alerts messages.
If you recognize all the transactions present in the fraud alert. Simply reply “Y”, to confirm the activity is valid. Your card will automatically be unblocked and no further action is required. You may now complete any purchases that may have been declined.
No. Commands can be sent as upper-case, lower-case or a mixture of both.