Do I need to enroll in this service?
No. Any ATM or Debit Card associated with your account(s) will automatically be enrolled in this service.
Is there a fee for this service?
No. This is a completely free service offered to our customers. In fact, you won't be charged text message fees by your carriers either, because First National Bank will pay for every message.
What FNB number will be used to send these messages?
The SMS short code FNB will use to send these messages is 37268. This is important for you to know so that you can verify it is truly FNB sending these messages. As a reminder, FNB will never contact you via phone or text to request that you provide or confirm sensitive personal information such as card numbers, account numbers, PINs, or passwords.
When are text messages sent?
Text messages are sent between the hours of 8:00 AM and 9:00 PM, based on the cardholder's local time according to the area code we have on file. This is because we understand that many cardholders do not want to receive messages in the middle of the night. If suspicious activity is detected overnight, your card will still be temporarily blocked and you will receive the message in the morning.
What commands can I send to 37268?
|| To confirm you made the purchase.
|| To indicate you did not make the purchase.
|| To receive additional information or to speak with an agent.
|| To stop future text messages from being sent. Please note, this will not prevent us from using other methods to contact you regarding suspicious activity on your account.
|| To resume receiving future text messages.
What if I don’t have my mobile phone and you suspect that a fraudulent transaction has been attempted – how will you contact me?
If we attempt to contact you via SMS text messaging and do not receive a response, we will attempt to call you using a phone number listed on your account.
If I receive a fraud alert and respond that the transaction was not fraudulent, how long will it take for my card to be unblocked?
Your card will be unblocked within minutes so you can resume normal usage.
If I reply "Yes" that I performed the transaction, is the initial transaction still declined?
Yes. To prevent the suspicious charge from processing, we must decline the transaction and block the card to prevent additional potentially fraudulent activity. Once you validate that you performed the transaction, your card is unblocked within minutes and you can initiate the transaction again.
Do I need to be enrolled in Online Banking or Mobile Banking to take advantage of this service?
No. Any ATM or Debit Card associated with your account(s) will automatically be enrolled in the Fraud Alert service, even if you do not use Online Banking or Mobile Banking. However, we highly recommend that you enroll in these services to conveniently monitor your account activity and take advantage of additional security features such as Account Alerts and CardGuard. Learn more below.