Fraud Alerts
Credit Card Text Alerts
If you have a VyStar Visa® credit 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.
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 notification letter will be sent to you in the mail.
Enrolling your card for text notification doesn’t just keep you informed; it’s also fast and easy. To sign up your mobile device for fraud text alerts, simply follow these steps:
- Log in to Internet Banking.
- Click on your credit card, from the Overview screen. You will be redirected to the credit card website.
- Select “Fraud Alerts” under the “Communications” tab at the top of the screen.
- Follow the on-screen instructions to register.
- During the final step of the registration process, you will receive a validation text message that you must reply to in order to complete your registration.
If you choose to discontinue receiving fraud text alerts, you can reply “STOP” to the text message on your phone. You will then receive a text advising that you will be removed from the list within 30 days.
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 or calling us at (904) 777-6000 or 1 (800) 445-6289.
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.