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Debit Card Fraud Monitoring

Fraud detection and alerts for your debit card.

Debit card fraud notifications

Protecting your debit card from fraud requires constant monitoring. CB&T provides automated fraud detection and alerts for your debit card, over and above what you receive with your SecurLOCK Equip App. If we suspect fraudulent transactions are taking place on your card, we will contact you immediately so that future transactions can be avoided.

What We Monitor

Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations or purchase patterns that are consistent with previously identified fraud trends.

 

How We Contact You

How we contact you will depend on whether the phone numbers we have on file are landlines or mobile devices. If a mobile phone number exists, you will receive an SMS/text message. Otherwise, a voice message is sent.

The valid numbers that will appear on your caller ID:

  • Telephone Call: 1-855-961-1602
  • Text Message: 86975

You may want to add these numbers to your contacts to ensure any message you receive is from the Community Bank & Trust Fraud Department. 

Receiving a Text Message

  • The text message will arrive from a five-digit code (86975) and contain our name, "Community Bank & Trust Fraud Dept," the dollar amount of the transaction and the merchant name.
  • You will be asked to reply with "Yes if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
  • A "No" reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted by a fraud specialist to protect your account. Please answer this important call.
  • Do not reply to the text message with any personal or confidential card information.
  • To opt-out of Community Bank & Trust Fraud Alerts, reply "STOP" to the message. An unsubscribe message will not be sent confirming the cancellation, and no more fraud alert text messages will be sent.

While this service is included with your debit card, normal message and data rates may apply.

Sample Text Messages

Example of a fraud text alert
  • If YES reply received: Free Msg: Community Bank & Trust Fraud Dept: You have confirmed a purchase of $209.99 at Walmart. We apologize for any inconvenience. Your acct can now be used without concern.
  • If NO reply received: Free Msg: Community Bank & Trust Fraud Dept: Thank you for your reply. A fraud specialist will call you immediately to protect your account. Please answer this important call.

Remember: Community Bank & Trust will never call, text or email you requesting your personal information, including card numbers, passwords or PIN. If you receive a suspicious phone call or email asking for your personal or confidential information - do not respond. Immediately contact us at 254-753-1521.