Automated Debit Card Fraud Detection
Monson Savings Bank takes fraud seriously and has taken proactive steps to protect your bank accounts by monitoring your debit card and ATM transactions for potentially fraudulent activity through an Automated Debit Card Fraud Detection Service.
You may receive phone call and text message alerts.
If fraudulent debit card use is suspected, you may be called or texted by the Automated Debit Card Fraud Detection Service to validate the legitimacy of your transactions. Your participation in responding to our call or text is critical to prevent potential risk and avoid restrictions we may place on the use of your debit card.
Text Fraud Alerts from 37268
Automated Debit Card Fraud Detection text alerts are available as part of our ongoing fraud monitoring program, to allow you to instantly keep tabs on suspicious card activity. With text fraud alerts, if our system detects suspicious activity on your Monson Savings Bank debit card, you’ll receive a text message.
How it Works:
- You Receive a Text Message: Text messages will generate from the short code 37268 that will include the bank's name and the transaction(s) in question.
- You Verify and Confirm or Decline Transaction: You'll be able to verify transactions and confirm/decline the transaction by responding to the text thread with the required responses of “yes” or “no”.
- If you reply “yes”, the fraud monitoring program will mark the transaction as legitimate, and you can carry on with your purchase or payment by initiating another transaction.
- If you reply "no", and indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up.
- If you reply “yes”, the fraud monitoring program will mark the transaction as legitimate, and you can carry on with your purchase or payment by initiating another transaction.
Want to receive text alerts? If we have your mobile phone number on file, you don’t have to do anything to take advantage of this service.* It’s really that easy. If there is suspicious activity, we’ll send a text alert right away. If you need to verify or update your mobile phone number give us a call at 413-267-4646.
Phone Call Fraud Alerts
Automated Debit Card Fraud Detection phone calls are available as part of our ongoing fraud monitoring program and utilizes the latest fraud technology and measures to fight fraud attempts.
How it Works:
- You Receive an Automated Phone Call: The automated call center may call you if it detects a transaction on your debit card that it considers suspicious.
- Verify Your Recent Transactions: Our automated call center will ask you to verify recent transaction activity on your card. Follow the prompts.
- Verify Your Identity and Zip: You will be asked to verify your identity and provide your 5-digit ZIP code. You'll be able to respond via your touchtone keypad.
- You Receive a Toll-Free Number: You'll also be provided a toll-free number to call should you have additional questions.
If you receive a voicemail from the automated call center, please return this call as soon as possible using the secure phone number 833-735-1894 or 833-735-1892 for the Fraud Detection Message Center
What is fraudulent activity?
Potentially fraudulent activity may include a sudden change in location (such as when a card is used unexpectedly outside the state of residency or in a foreign country), a sudden string of costly purchases, or any pattern associated with emerging fraud trends around the world.
*Monson Savings Bank does not charge for this service. However, message and data rates, which are typically charged by your data provider, may apply. You may opt out of the service at any time by replying "STOP" to the short code 32768.
Keep Your Contact Information Up to Date
To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers (home, work, and cell), home address, and email address.
If you have any questions about either of our fraud alert services, please call our main customer service line at (413) 267-4646 during business hours and we will be happy to assist you.
Explore Our Security Center to Stay Informed
Visit our Security Center that is designed to empower you with the knowledge and tools needed to stay safe in today’s digital world. Through a focus on recognition, education, and prevention, we help you recognize and respond to threats like identity theft, fraud, and scams.
