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Fraud Protection

smsGuardian from Members Exchange is fraud prevention made simple. If you have a Members Exchange Visa® Credit Card or Debit Card, you can now enroll in the new smsGuardian anti-fraud text alert notification service, which sends transaction alerts directly to your mobile phone or other SMS-enabled device.

Enroll in SMSGuardian

How smsGuardian Works

smsGuardian monitors your credit card transactions and will send you a text alert if a purchase is made under the following circumstances:

  • A physical credit card is not presented
  • An authorization is greater than $500.00
  • 8 or more transactions are attempted within 24 hours

When a purchase that meets the above monitoring criteria is made with your card, a text will be sent to you for review. If you think a particular transaction is fraudulent, reply immediately, and an smsGuardian fraud analyst will block the card and follow up with you by phone. This added layer of security enables fraudulent activity to be identified and stopped immediately, which significantly reduces the likelihood that subsequent unauthorized transactions will occur.

If you receive this message and the purchase is legitimate, simply do nothing. If you suspect the purchase is fraudulent, reply with the code on the text message and your card will be blocked. (If you do not reply to the text message within 12 hours, the transaction will be considered legitimate and no further action will occur.)

Cardholder Protection Made Easy

  • Two-way text communication (data charges may apply)
  • Enroll up to ten devices per web account
  • Do-Not-Disturb window capability
  • One year enrollment period
  • All major carriers supported*

The smsGuardian service can be cancelled anytime by replying with the message STOP.