How It Works

  • If there is potential fraud, you'll receive a text message.
  • If you do not respond to the text message, you'll receive an automated phone call.
  • Under no circumstances will you be asked for your account number or PIN!
  • Keep your contact information updated with us to ensure you can be reached.
  • Notify us in advance of foreign travel.

If You Get An Alert

  • If a text message is received, simply reply YES or NO to the text to confirm or deny the transaction. A phone call will be made if there is no response to the text message.
  • If a call is received, enter your zip code and follow the instructions, answering "yes" or "no" to validate recent transactions.
  • If the automated call reaches your voicemail, a message will be left containing a phone number and case code.
  • If you do not respond to the text message or the phone call, future transactions may be declined.
  • In the event of an unauthorized transaction, you will be transferred to a Call Center Analyst.

Protect Yourself

Monitor your account activity and contact us immediately if you identify any fraudulent transactions.

Avoid Sharing Your:

  • Address and phone number
  • Date of birth
  • Social Security number
  • Card/account number or expiration date
  • Note: Your PIN is private; never give it out under any circumstances

How to Spot a Fake Alert


FAKE: You receive a text message or phone call stating that your Debit Card or credit card has been suspended or closed unless you click a link, provide your card number, account number, PIN, or other personal information. This is a scam. Do not respond and hang up.


REAL: With SNBT's Fraud Detective service, you may receive legitimate texts an calls that alert you to suspicious activity. A text from SNBT will ONLY ask you to respond "Yes" or "No" regarding recent transactions. A call from SNBT will ONLY ask you to enter your zip code and ask about a specific transaction. Under NO CIRCUMSTANCES will you be asked to click a link or provide your card number or PIN.