Frequently Asked Questions
- How do I enroll in fraud alerts?
- How will I be alerted of a suspicious transaction on my card?
- How long should it take to receive a text message (SMS)?
- How often will I receive a text message (SMS)?
- Should I respond to a fraud alert?
- What will the text message alert look like?
- If I receive an alert, does that automatically block my account from further purchases?
- Will I be charged for fraud alert texts?
- Can I opt out of receiving fraud alert messages by text?
Q:
How do I enroll in fraud alerts?
A:
If your mobile phone number is on file, you are automatically enrolled and will start receiving fraud alerts by text message.
Q:
How will I be alerted of a suspicious transaction on my card?
A:
Fraud text alerts are delivered by SMS/text message. If you do not respond to the first text message within 5 minutes, an email will be sent to the email address associated with that card. If there is no response to the email within 5 minutes, a fraud prevention specialist will attempt to call you. (Please note: Do NOT reply to the email sent, instead click the link within the email.)
Q:
How long should it take to receive a text message (SMS)?
A:
Text messages arrive within a minute, but timing may vary.
Q:
How often will I receive a text message (SMS)?
A:
Messaging frequency depends on account activity. Text messages and emails are sent 24/7. Phone calls are only made from 8AM-9PM (time based on zip code of card holder).
Q:
Should I respond to a fraud alert?
A:
Yes. For your account security, it is important to respond to fraud alerts. This allows us to take immediate action to protect your account (if the charge was indeed fraudulent) or allow your account to be available for future transactions (if the transaction was authorized). If you don’t respond to any of the calls or text messages, it may disrupt your ability to make purchases with your card.
Q:
What will the text message alert look like?
A:
The text message will contain the following:
The last 4 digits of the card number used, amount of the transaction, and name of the merchant making the charge.
Reply YES – if the transaction is authorized (you recognize the charge)
You will receive a second text message thanking you for confirming the transaction and letting you know the account is safe for continued use.
Reply NO – if the transaction is NOT authorized (you are unsure or do not recognize the charge)
Your card will be immediately blocked and a fraud prevention specialist will call you to confirm your reply. Contact our Member Service Center at (800) 328-5328 for help regarding next steps. Please remember that Logix will never request personal or sensitive information via an SMS Text.
Q:
If I receive an alert, does that automatically block my account from further purchases?
A:
The majority of accounts with suspected fraud will be blocked, just as they are today.
Q:
Will I be charged for fraud alert texts?
A:
No. However, your phone's message and data rates may apply.
Q:
Can I opt out of receiving fraud alert messages by text?
A:
Yes. If you receive a fraud alert by text, please first confirm if the transaction was authorized. Next, simply respond “STOP” to the text message.
By opting out, you will continue to receive fraud alerts by phone call. If opted out by accident, you can opt back in by providing first name, last name, last 4 of card, phone number and/or email address to our Member Service Center at (800) 328-5328.
Fraud Text Alerts - There's no charge assessed by Logix Federal Credit Union, but message and data rates may apply. Please contact your carrier for details. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations.