We are committed to providing members with the best tools to strengthen your defenses and take immediate action against unauthorized transactions. Should we identify any suspicious transactions on your account, we will attempt to contact you about the activity via SMS (text), voice message or email to determine if you authorized the transaction.

Our SMS text alerts only require a simple yes (Y) or no (N) reply. For your protection, you will be unable to use your card(s) until we receive a response to the alert. If you reply N you did not authorize the transaction, you will be prompted to call the fraud detection department at (888) 918-7313. If you aren’t certain whether the message is authentic, please contact us at (800) 552-4745.

To learn more about automated alerts, please review the following Frequently Asked Questions (FAQs).

text message and/or pre-recorded voice call may be sent to your mobile device when a suspicious transaction(s) is identified.

Text: Simply reply to the text (Y) to confirm if you recognize the transaction(s). If you do not recognize the transaction(s), reply (N) and then you will receive a text asking you to call (888) 918-7313 for further assistance. Your card will be deactivated to protect you from further fraud until you call us. If you reply to the text that you recognize the transaction(s), your card will automatically be available for use.

Voice call: If you do not reply to the text within 30 minutes, a pre-recorded voice call will be attempted to your mobile device and home number listed on your account. If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presented during the call.

Email: If no response to text or voice call is received, an email will be sent to the address on file.

SMS stands for Short Message Service and is also commonly referred to as a “text message.”

There’s no need to register for automated fraud alerts. As a member of TCU, you are automatically eligible to receive fraud alerts via SMS text, phone or email. Please make sure to review and update your account contact information either through online banking or at your local service center to ensure you’ll receive alerts should there be any suspicious transactions on your account.

Yes! Your security is our highest 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 any of these channels. If you ever receive a request asking for any personal or identifying information, please do not respond. Call TCU at (800) 552-4745 immediately.

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 TCU account.

SMS text 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. Voice messages will come from (800) 328-2071 for credit cards and (800) 272-9446 for debit cards.

Please review and update your account contact information either through online banking or at your local service center to ensure you’ll receive alerts should there be any suspicious transactions on your account. You will still receive alerts through the other channels (email and home phone) as long as your contact information is up to date. Accurate contact information is important so we can reach you in the event we identify suspicious transactions on your account.

Most SMS text 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 text messages are paid by TCU and you will not be charged for any text message alerts.

Simply follow the instructions for opting out of the card fraud alerts through the channel the alert was received:

  • Text alert - reply STOP to any text alert
  • Voice message alert – follow the prompts on the voice call to opt out
  • Email alert – click “unsubscribe” at the bottom of the email

If you recognize the transactions in the fraud alert, simply reply “Y” to confirm you authorized the transactions. Your card will automatically be reinstated and can be used to complete your purchases.

No. Commands can be sent as upper-case, lower-case or a mixture of both.