Your Debit Card Has Added Security
Keeping your money safe is our top priority. That's why we are happy to provide a powerful layer of security for our debit card customers. As part of our enhanced debit card protection program, you now have an extra safeguard working around the clock to prevent fraud on your Decorah or Cresco Bank account. This service is automatic, free, and designed to give you greater peace of mind.
This article will walk you through how this new protection works. We will cover the instant text alerts, what to do if you receive one, and how our trusted partner, SHAZAM, helps us stop fraudulent activity in its tracks.
How Instant Text Alerts Protect You
In our increasingly digital world, speed is essential when it comes to stopping fraud. You will recceive a text message immediately if a potentially suspicious transaction is detected on your debit card. This allows you to verify activity in real-time, giving you direct control over your account's security.
What to Expect When You Get an Alert
If a transaction is flagged because it seems out of the ordinary, you will receive a text message from the number 72718. This alert will ask you to confirm or deny the activity.
Your response is simple:
- Reply "Yes" if you recognize the transaction and it was made by you. Once you confirm the activity is legitimate, you can continue using your debit card without any interruption.
- Reply "No" if you do not recognize the transaction and believe it is fraudulent. This immediate action is crucial for protecting your account.
What Happens if You Spot Fraud?
If you reply "No" to an alert, we take immediate action. First, your debit card will be automatically blocked to prevent any further unauthorized transactions. This is a critical step to secure your account instantly.
Shortly after, you will receive a follow-up text message. This text will let you know that a debit card fraud specialist from SHAZAM will be calling you. SHAZAM is our trusted debit card processor, and their expert team is trained to handle these situations. They will guide you through the next steps to fully secure your account and resolve the issue.
What If You Don't Receive a Text?
We understand that not everyone uses a mobile phone or can reply to a text right away. Our protection program has you covered in these scenarios as well.
If you don't respond to the initial text alert, or if the phone number on file for your account is a landline, SHAZAM will automatically try to reach you through a different method. You will receive an automated voice call from SHAZAM. This call serves the same purpose as the text: to help you verify recent card activity quickly.
Save These Numbers: Your Direct Line to Security
To ensure you never miss a critical alert, we strongly recommend adding these two numbers to your phone's contact list today.
- Text Alerts: 72718
- Automated Voice Calls: 855-219-5399
By saving these numbers, you can be confident that any communication you receive is from a legitimate source related to your debit card's security. It's a simple step that makes a big difference in preventing you from overlooking an important message.
Please note, if you receive a fraud alert via text message or phone call from any number other than those listed above, it is likely a scam. Fraudsters often attempt to impersonate your bank to gain your trust. Avoid clicking on any links included in such messages, block the sender's number, and never share your personal information under any circumstances.
Your Security is Automatic and Free
This enhanced layer of debit card protection is automatically enabled for all Decorah and Cresco Bank debit card holders. There are no forms to fill out and no fees to worry about. The text alerts are free to receive, though standard message and data rates from your mobile carrier may apply. We believe that a secure banking experience should be standard, and this service is part of our commitment to you.