Card Fraud & Digital Banking Alerts
Debit & Credit Card Automated Fraud Text Alerts
What is the purpose of Automated Fraud Alerts?
For your account security, we routinely monitor your card activity to identify transactions that may not be within your normal patterns. If we suspect a transaction may be fraud, we will mark that transaction for verification by you. Automated Fraud Text Alerts allow us to contact you in real time using electronic methods. Make sure your current mobile phone number is listed on your account and we will text you if a suspicious transaction or series of transactions occur. You’ll have the ability to immediately respond ‘Yes – this is Fraud’ or ‘No – this is not Fraud’ and we will take the appropriate action.
How does it work?
- A real time text message and/or pre-recorded voice call may be sent to your mobile device when there is a suspicious transaction(s) identified.
- Simply reply to the text to confirm whether or not you recognize the transaction(s).
- If you reply to the text that you do not recognize the transaction(s), you will receive a text response back asking you to call Fraud Detection at 1-888-918-7313 to report the fraudulent transaction(s) and close the card. A block will be placed on your card to protect you from further fraudulent transactions until you call us.
- If you reply to the text that you recognize the transaction(s), your card will remain available for use.
- If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted at your mobile device and home phone number listed on your account.
- If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presented during the call.
- To reply to the pre-recorded message left on your phone, please call the number provided in the message to tell us whether or not you recognize the transaction(s).
Do I have to register for Automated Fraud Text Alerts?
- No, by simply activating your card you are set up to receive.
- Verify that your current mobile phone number is listed on your account.
- Please check with your mobile carrier to ensure that you have ‘text messaging’ enabled on your mobile phone plan.
How much does it cost to use this service?
There is no charge to receive Automated Fraud Text Alerts.
What carriers currently participate in this service?
T-Mobile, Verizon Wireless, AT&T, Sprint, Interop – Appalachian Wireless, US Cellular Corp®, Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA, ALLTEL Communications Inc.
Is this service safe and secure?
Yes. Our first priority is to protect your personal information. We never ask for your account number, personal identification or other personal information via a text message. If you ever receive a text message asking for your member number, account numbers or other personal information, please do not respond.
What is the difference between Digital Banking Alerts and Automated Fraud Alerts?
- Alerts set up in digital banking do not include SMS Text Automated Fraud Alerts. Digital Banking alerts include balance and transaction alerts for all share types on your account. These alerts may be received by email or text.
- Automated fraud alerts will be sent to you in real time by SMS text if a suspect transaction is identified so you can immediately respond ‘Yes – this is Fraud’ or ‘No – this is not Fraud’ and we will take the appropriate action. These alerts will be received by SMS text from ‘72488’.
Debit & Credit Card Transaction Alerts
How do I register for card alerts?
- Go to kemba.org/alerts
- Click ‘Register /Manage’
- Enter the requested information
- Click ‘Next’
- Enter mobile phone number
- Click ‘Complete Registration’
What types of Card Transaction Alerts are available?
Once you have registered your Debit and/or Credit card(s) to receive real-time card transaction text alerts, you will have the option to set up specific transaction alerts:
- Purchases over a selected amount
- International purchase
- Desktop and phone purchases where the card is not physically present
- Declined transactions
Once you have completed setting up any additional card transaction alerts, you may want to review and adjust any share alerts set up in Digital Banking.
Is the site a secure site?
Yes, when you click on the link to go to the Alerts Registration site you will be directed to a secure site.
What information do I need to register my mobile phone number?
- Text Enabled Mobile Phone Number
- Card Number
- Zip Code (what is shown on your card statement)
- Card Expiration Date
Note: Verify the most current mobile number on your account is the same mobile number you will register.
What if I do not have text messaging?
Text messaging is required for this service. If your mobile phone is able to send and receive text messages, but you do not subscribe to the text feature, you will need to contact your mobile phone provider to add a text messaging feature to your phone plan.
If I am traveling outside of the U.S., can I receive text message alerts?
In order to receive SMS Fraud Alerts in a foreign country you will need to have a US phone number, your carrier must support foreign text message delivery and the country you are in must be part of the Global System for Mobile Network.
Can I add multiple phone numbers?
No. You can only enroll one mobile number per card.
If my mobile phone number changes, what do I need to do?
You will need to complete the registration process to register your new mobile number on the account.
How will I know my enrollment to receive text messaging was completed?
You will receive a SMS text message from ‘72488’/Card Alerts requesting:” Please reply YES to complete your registration”. You should add the text message short code ‘72488’ as a new contact in your phone so you will recognize any future card alerts text messages as valid.
What message do I receive after replying ‘YES’ to confirm successful text enrollment?
The message you will receive upon successful enrollment is: “Standard msg rates may apply. To cancel, reply STOP, for more information, reply HELP.”
How long should it take to receive a text message (SMS)?
• Typically responses arrive from ‘72488’/Card Alerts within one minute but timing may vary.
Are the text commands case-sensitive?
No. Commands can be sent as upper-case, lower-case or a mixture of both.
Why do I receive multiple messages with Pg1/2, Pg2/2?
Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.
What if I receive a new card to replace my already registered card?
If your card is replaced due to a reissue, a lost or stolen card, no update will be needed to continue to receive text alerts. Your registration for text alerts will apply to all current and reissued cards until you revoke your registration.
How do I opt-out of text alerts?
- To opt out, reply ‘STOP’ to a text alert.
- You may also unsubscribe by skipping the text instructions and simply contacting KEMBA at 614.235.2395 or 1800.282.6420, Option 3, to ask to be un-enrolled for Automated SMS/Text Fraud Alerts.
KEMBA's Digital Banking Alerts
What types of Digital Banking Alerts are available?
KEMBA’s Digital Banking offers balance, transaction, and user alerts.
What types of balance alerts are available?
Balance alerts can be setup for one or multiple shares and loans on your account. Options are:
- High balance alerts – notify you when your share or loan balance goes above your set threshold.
- Low balance alerts – notify you when your share or loan balance goes below your set threshold.
What types of transaction alerts are available?
Transaction alerts can be setup for one or multiple shares and loans on your account. Options are:
- Credit transaction alerts – notify you when you receive a credit (deposit) transaction with an amount above your set threshold.
- Debit transaction alerts – notify you when you receive a debit (withdrawal) transaction with an amount above your set threshold.
What types of user alerts are available?
For your account security, we provide user alerts to notify you when your profile information has been changed in Digital Banking or when there is a login from a new device. These alerts are automatically sent by email for the following Digital Banking activities:
- Email address changed
- Mobile phone changed
- Password changed
- Username changed
- Login from a new device
What are my options for receiving Digital Banking alerts?
- Balance and transaction alerts are optional and can be received through SMS text messaging, email notification, and in-app messaging (push notifications are for mobile only).
- For security purposes, user alerts will always be sent via email notifications by default. You can adjust your user alert settings so you can also receive user alerts by SMS text messaging and in-app messaging (push notifications are for mobile only).
- For SMS text messaging to work, your phone number must be listed as the mobile number in your profile.
How do I establish balance and transaction alerts?
- Log into KEMBA’s Digital Banking
- Click on the share or loan you would like to monitor with an alert.
- Click “Alert Preferences” in the available options.
- Add new Balance and Transaction Alerts by using “+ Add Alert.”
• Balance Alerts: Input an alert for when your share or loan balance is under or over a certain dollar amount.
• Transaction Alerts: Input an alert for a credit or debit over a specific dollar amount.
- Choose to receive your alert notification(s) by email, SMS text, and/or in-app messages.
- Click “Add alert.”
How do I update my user alert preferences?
- Log into KEMBA’s Digital Banking
- Scroll to the bottom of the Main Navigation Menu on the left side of Digital Banking (or open the main menu with the Mobile App).
- Click on your name at the bottom.
- Select “Settings.”
- Click on “User Alerts” within the menu.
- Select from the available user alerts, and toggle the switches to disable or enable SMS text or in-app messaging. User alerts will always be sent by email by default, and this method is not editable to protect your account security.
I have setup Digital Banking alerts to be sent by text. Why am I not receiving them?
In order for alerts to be sent via SMS text messaging, your phone number must be listed as the mobile number in your profile. To update your user profile:
- Log into KEMBA’s Digital Banking.
- Scroll to the bottom of the Main Navigation Menu on the left side of Digital Banking (or open the main menu within the Mobile App).
- Click on your name at the bottom.
- Select “Settings.”
- Click on “Profile” within the menu.
- Add or edit your mobile phone number.
- Click “Save” at the bottom.