Fraud Alerts
If you have a VyStar Visa® credit card or VyStar debit card, you are probably already familiar with the card’s many security features that are designed to protect you against fraudulent activity on your account. These features include automated phone calls that alert you whenever a suspicious transaction is made on your card.
Just like the automated phone call, the text alert feature automatically notifies you via text message* when a transaction is flagged as suspect, making it even quicker and easier to confirm whether or not you recognize the transaction.
Credit Card Text Alerts
How it works:
- When a suspicious transaction is identified on your credit card, you will receive a fraud alert text message on your mobile device.**
- Follow the instructions to reply to the text and confirm if the transaction is valid or not.
- If you reply to the text confirming that the transaction is not valid, you will receive another text asking you to call Fraud Detection at 1 (888) 918-7313 to report the fraudulent transaction and close the card. A block will be placed on your credit card to protect it from further fraudulent transactions until you call the number above.
- If you reply to the text confirming that the transaction is valid, your card will remain available for use.
- If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted at the mobile and home phone numbers listed on your account.
- To reply to the pre-recorded message left on your phone(s), please call the number provided in the message and provide your confirmation. If you do not respond to the text or calls, or if the phone numbers are invalid, a block may be placed on your credit card until the suspect activity has been verified.
There’s no need to register for automated fraud alerts. As a member of VyStar Credit Union you are automatically eligible to receive fraud alerts via text message or phone. 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.
To opt-out of text alerts, reply "STOP" to the text message on your phone. You will no longer receive fraud alerts via text 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.
Debit Card Text Alerts
How it works:
- When a suspicious transaction is identified on your debit card, you will receive a fraud alert text message on your mobile device.**
- Follow the instructions to reply to the text and confirm if the transaction is valid or not.
- If you reply to the text confirming that the transaction is not valid, you will receive another text asking you to call Fraud Detection at 1 (877) 253-8962 to report the fraudulent transaction and close the card. A block will be placed on your debit card to protect it from further fraudulent transactions until you call the number above.
- If you reply to the text confirming that the transaction is valid, your card will remain available for use.
- If you do not reply to the text, a pre-recorded voice call may be attempted at the mobile and home phone numbers listed on your account.
- To reply to the pre-recorded message left on your phone(s), please call the number provided in the message and provide your confirmation. If you do not respond to the text or calls, or if the phone numbers are invalid, a block may be placed on your debit card until the suspect activity has been verified.
There’s no need to register for fraud text alerts. As a member of VyStar Credit Union you are automatically eligible to receive fraud alerts via text message or phone. 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.
To opt-out of text alerts, reply "STOP" to any text alert. You will no longer receive fraud alerts via SMS message. To reactivate Fraud text alerts reply UNDO. You may also opt-out by calling the number provided on the back of your card and asking to be opted out of Fraud Text Alerts messages.
Debit Card Email Alerts
VyStar actively monitors members’ card transactions for suspicious activity and contacts them by phone if suspicious activity is detected. If you have a mobile phone number on file with us, VyStar will call your mobile phone to notify you if a suspicious transaction has been identified on your debit card account. If you do not have a mobile phone number associated with your account but have provided us with a home phone number, VyStar will call you at home to inform you about the potentially fraudulent activity.
How it works
- If VyStar is unable to reach you by phone—or if you have not provided a home or mobile phone number on your account—the new fraud alerts feature will notify you via email directly from our service provider, FISERV, about any suspect transactions.
- An automated email notification from noreply@enfactnotifications.com will include information about the suspicious activity and request for verification of the transactions in question.
- Contact information will be provided in the body of the email for you to respond.
- This feature is only available if we have your email address on file.
- Unlike account alerts, which help you manage your debit card account, you do not have to take any action to activate these new email fraud alerts. However, please ensure your contact information is accurate by using the steps provided below.
- Log in to Internet Banking.
- Click on “Settings/Service” in the upper-right corner.
- Then, click “Change Address/Telephone Number" under the "Personal Information" menu.
- Log in to Internet Banking.
- Click on “Settings/Service” in the upper-right corner.
- Then, click “Change Address/Telephone Number" under the "Personal Information" menu.
You can update your phone number(s) and email address by visiting your
local branch.
If you have any further questions about fraud alerts or any other fraud monitoring services provided, please do not hesitate to call us at (904) 777-6000 or toll-free at 1 (800) 445-6289 and speak with a VyStar representative.
*VyStar does not charge a fee for the fraud text alert service; however, standard text message and data charges may apply. If you are unsure about your mobile carrier’s rates, please contact your service provider.
**Message delivery can depend on the service area and wireless carrier.