SMS Guardian

Protecting your Visa® Debit Card...

For Your Peace of Mind SMS Text Alert Fraud Prevention

It’s fraud prevention made simple. If you have an Ann Arbor State Bank Visa® 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.  Here’s how it works: When a purchase that meets the monitoring criteria is made with your debit card, a text will be sent to you for review.  If you think a particular transaction is fraudulent, reply immediately. A 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, do nothing.  If the purchase is fraud, 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 is considered legitimate and no further action will occur.   

Features and Benefits for our cardholder(s):

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

The smsGuardian service can be cancelled anytime by replying with the message “STOP” (without quotes). You may unsubscribe from this service entirely on the website.

When you enroll in the service, the system monitors debit card usage for the following types of transactions: 

  • *International Transactions
  • *Authorizations Greater than $200.00
  • *8 or more Transactions in 24 hours
  • *Card Not Present
  • *Out of State Transactions
  • *Declined Authorizations

*If one of these transactions occurs with your debit card, you will receive a text message alert. 

Enroll today by clicking here

Additional terms and conditions apply, click on the link above to view.  Mobile service provider message and data rates may apply.  Cardholders will not receive more than one message per transaction on each enrolled card.

*Some mobile service providers require that every 30 days a message reminding you of your participation in this program.  If you need help regarding this service, please call (888) 868-8611.