East River FCU is pleased to announce enhanced fraud protection for all debit cardholders.
Previously, when fraud was detected on a debit card, cardholders would receive an automated voice call. Beginning August 1st, members will have the option to enroll in fraud alerts via text message that will be sent immediately when the fraud is detected. If a cardholder does not respond to the message, they will receive an automated voice call. Examples of the enrollment message and the various text messages are shown below.
Debit card users are also encouraged to download and enroll in CardValet™, an app that allows for monitoring debit card activity and features on and off controls. Click here for more information.
Message examples:
When a fraud case is created, notification will start with the following two-way text:
|
Message Type |
Sample Text |
Case Creation Text
Sent when fraud case is
created after cardholder
has enrolled to receive text
messaging. |
FreeMSG East River FCU Fraud Center 8772735740
$125.46 on card 1234 at Macy’s. If valid reply YES,
fraud NO. To Opt Out, STOP. |
Based on the cardholder’s reply they will receive one of these messages:
|
Message Type |
Sample Text |
Cardholder replies no to
case creation text |
FreeMSG East River FCU Fraud Center 8772538962
Your response has placed a block on the card.
Call us immediately at 8772538962, avail 24/7. To Opt Out reply STOP. |
Cardholder replies yes and
the card is in an active
status. |
FreeMSG East River FCU Fraud Center 8772538962
Thank you for confirming this activity.
You may continue to use your card.
To Opt Out reply STOP. |
Cardholder replies yes and
the card is in a restricted
status. |
FreeMSG East River FCU Fraud Center 8772538962
Thx for confirming. Block on card is being removed.
Sorry for any inconvenience. To Opt Out reply STOP. |
After card restriction is lifted. |
FreeMSG East River FCU Fraud Center 8772538962
Block on card has been removed.
We'll continue to monitor for unusual activity.
To Opt Out reply STOP. |
If problem is encountered
while trying to lift the card restriction. |
FreeMSG East River FCU Fraud Center 8772538962
We’re unable to remove the block on the card.
Call us immediately at 8772538962, avail 24/7.
To Opt Out reply STOP. |
If the cardholder has a question at any point in the enrollment process or during the fraud notifications they have the following options available to them:
|
Message Type |
Sample Text |
Help (within 72 hours) |
FreeMSG East River FCU Fraud Center 8772538962
Call 1-844-544-3265 for help, reply STOP to cancel
Fraud Alert text Msgs. |
Help (after 72 hours) |
FreeMSG: Your fraud alert has expired from the automated system.
Please call 1-844-544-3265 for further assistance.
Reply STOP to cancel texting. |
Stop |
FreeMSG East River FCU Fraud Center 8772538962
Per your request you will no longer receive Fraud text alerts.
To reactivate Fraud text alerts reply UNDO |
Undo |
FreeMSG East River FCU Fraud Center 8772538962
Thank you. You will continue to receive Fraud texts alerts.
To Opt Out reply STOP. |
Message when text received
other than specific words requested. |
FreeMSG Sorry but your reply was not understood.
Please try again or reply HELP if you need further help. |
If the text is not responded to, the notification process will continue with the next communication channel – voice or email.