smsGuardian® Service Details

smsGuardian
All Text Alerts

All smsGuardian® text alert messages will contain the following information:

    The institution short name, which is "BOLAF".
    The last four digits of the card number (i.e., "CARD 1234").
    The merchant name or ATM location (i.e., "at BESTMART").
    Most transactions will provide the transaction amount (i.e., "$123.45").
    All messages will provide an alphanumeric code (i.e., "AA1234NO") that the cardholder will text back if the transaction is fraudulent.

If a single transaction sets off more than one rule trigger, only the first rule triggered will be sent to the cardholder as a text alert. Only one text message will be sent per transaction.

If the transaction is legitimate, no action is required from the cardholder and the message can simply be ignored. However, if the transaction is fraudulent, the cardholder can reply to the smsGuardian® text, with the code that was received in the text message, and the cardholder's Debit Card will be blocked from further use.

We respect the cardholder's wish not to be bothered, so all alerts will be stored until the "Do Not Disturb" window is closed, at which point smsGuardian® will send all earlier alerts. This will allow the cardholder the ability to review the transaction and respond/ignore accordingly.. Since the alerts time out after 12 hours, the "Do Not Disturb" window cannot exceed 12 hours.

Other messages sent by the smsGuardian® service include reminder messages to the cardholder for subscription expiration, Help messages sent to devices when an inbound HELP request is sent, STOP (OPT-OUT) confirmation messages when the cardholder texts that he/she wishes to opt out of the service.

Transactions Greater Than $100

An smsGuardian® text message will be sent to the cardholder for all approved transactions greater than $100. The cardholder will not receive a text message on reversals, with the exception of merchants who do not send reversals using standard code.

The text message format for this type of transaction appears as follows:

"BOLAF Guardian Alert on card XXXX at ABC CO for $99999.99- Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."

Out of State Transactions

An smsGuardian® text message will be sent to the cardholder for all transactions that take place in a state other than the state the cardholder lives in. The cardholder will not receive a text message on reversals, with the exception of merchants who do not send reversals using standard code.

The text message format for this type of transaction appears as follows:

"BOLAF Guardian Alert on card XXXX in State = FLORIDA at ABC CO for $99999.99- Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."

Fuel Transactions (Gas Stations)

An smsGuardian® text message will be sent to the cardholder for all fuel transactions.

The text message format for this type of transaction appears as follows:

"BOLAF Guardian Alert on card XXXX at gas station ABC CO for $99999.99- Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."

- OR -

"BOLAF Guardian Alert on card XXXX for Fuel at ABC CO for $99999.99- Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."

Transactions Not Swiped (Card Not Present)

An smsGuardian® text message will be sent to the cardholder for all approved key-entered transactions (i.e., online purchases).

The text message format for this type of transaction appears as follows:

"BOLAF Guardian Alert on card XXXX - card # key entered at ABC CO for $99999.99- Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."

More Than 4 Transactions in 24 Hours

An smsGuardian® text message will be sent to the cardholder for more than 4 transactions that take place in a scrolling 24 hour time period.

The text message format for this type of transaction appears as follows:

"BOLAF Guardian Alert on card XXXX for 4+ transactions in 24hrs from ABC CO for $99999.99- Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."

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