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Strengthen your defense against credit and debit card fraud

Enjoy this free fraud prevention tool that is as mobile as you are

As a Carolina Trust cardholder, you’ll receive real-time updates on your credit and debit card activity, so you can take steps to proactively detect and prevent fraud.

Automated Fraud Alerts can identify threats faster, notify you sooner, and equip you to take immediate action against fraud. Here’s how it works:

When you provide us with your current mobile number and email address, you will automatically receive automated alerts first to your mobile device using free Text Messaging. If you do not respond, we will then contact you via Pre-Recorded Digital Voice Phone Calls to your mobile and/or landline number provided. And if we still haven’t heard back from you, we will notify you of the questionable transaction to your email address on file. We will try several ways to contact you so that you can benefit from:

• Immediate alerts – when suspicious activity has been detected on your account.
• Two-way communication – take action as soon as you receive the alert by texting the provided command word or interacting with the automated phone system. You’ll be asked questions regarding your recent card activity.*
• Real-time support – fraud prevention agents are ready to assist you at any time to ensure you receive the best defense exactly when you need it.

*Please Note: We will never call and ask for confidential account information such as your entire account number or PIN.

Automated Fraud Alerts is just another free perk of being a Carolina Trust member and cardholder!

Frequently Asked Questions

If you are travelling within the U.S., you will receive phone calls, text messages and emails. If you are travelling internationally, you will receive emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside of the United States.

Any phone numbers that Carolina Trust has in your records may be sent alerts.

You can update your contact information by updating your account profile in digital banking, or by visiting a branch.

  • You can opt out of text alerts by replying “STOP” to the text message
  • You can opt out of phone calls when the alert system calls you.
  • Click on the Unsubscribe link in the email to stop the emails.
  • Contact our Call Center to ask to stop receiving fraud alerts.
  • Visit a branch to ask to stop receiving fraud alerts.

If you accidentally opted of out text alerts from a mobile phone, when the digital system calls to verify activity, the system will provide the opportunity to opt back into text alerts for the mobile phone. For all fraud alert types, please call the credit union to re­enable fraud alerts to an email address, a mobile phone or landline phone number. You can also visit a branch for assistance.

Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts, it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.

Upon confirming that a transaction is valid, you may retry the transaction immediately.

Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # to your specific fraud alert.

Call times follow the TCPA (Telephone Consumer Protection Act) rule of not occurring before 8 am and not after 9 pm in the cardholder’s respective time zone.

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