Let smsGuardian® add a new level of fraud protection to your debit card. This “short message service” program will send a text to the device of your choice when transactions meet certain requirements. (Please note that message and data rates may apply.) The number of messages you receive is based on your card usage and you will receive only one message per transaction on your card.
Here’s how the system works. When you are enrolled, you will receive a text message each time your debit card is used for:
- International and out-of-state transactions
- Fuel purchases
- Purchases of more than $100
- 3 or more transactions in 24 hours
- Online or phone transactions
- Declined authorizations
You can review the text upon receipt and have up to 12 hours to respond. Of course, in the event that fraud has taken place, it is better if you respond as soon as possible. If you used the card for the transaction in question, there is nothing you need to do. If you did not make the transaction, simply reply to the text message as directed which notifies risk management at smsGuardian®. A fraud case is opened, and you will receive a text advising that your card has been blocked from further use. (Please contact South Atlantic Bank to obtain a new card.)
The “Do-Not-Disturb” feature allows you to receive texts when it is most convenient for you. For example, if you do not wish to receive messages from 11 p.m. to 6 a.m., you can set “Do-Not-Disturb” to deliver messages after 6 a.m. Click on the “Preferences” tab to set this function.
Help, if you ever need it with this service, is easy to find. All you need to do is reply to a text from smsGuardian® with the word HELP. You may also visit our “Service Usage Guide” link, or call (888) 868-8611.
This new service is available free to our customers and includes as many cards and devices you need to enroll.
To enroll in smsGuardian
Need to enroll in smsGuardian? You will be redirected to the smsGuardian website. Please review the terms and conditions provided and then enroll your debit card(s).
To cancel or opt out of the smsGuardian
To cancel or opt out of the service at any time, text the word STOP in reply to an alert or directly to 27576. Visit the smsGuardian® website to unsubscribe (click on the “Devices” tab to delete a device). Your card is not considered unenrolled until ALL devices have been deleted.