Accelerated. Automated.

Q: How does it work?
A 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 do not recognize the transaction(s), you will receive a text asking you to call 888-918-7313 for further assistance. There will be a block placed on your card to protect you from further fraud 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 to your mobile device and home number listed on your account. Should 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. An email will also be sent to the address on file to confirm transactions on the account. You can also call us at any time to validate the transactions or if you have any concerns about the message you received.

Q: How do I register?
There’s no need to register for automated fraud alerts. As a member of Harvester Financial you are automatically eligible to receive fraud alerts via SMS, phone or email. Please make sure to review and update your contact information so that you will receive alerts should there be any suspicious transactions on your account.

Q: How much does it cost to use this service?
There’s no cost to use the automated fraud alerts service. Harvester Financial pays for all costs associated with sending and delivering the SMS fraud alert messages to your mobile device. This service is provided to you free of charge.

Q: Is this service safe and secure?
Yes! Your security is our first priority! Our fraud alert messages will simply ask you to reply Y or N to confirm charges. We will never ask for your account number, card number, PIN number, or any other personal information via text message. If you ever receive a text message asking for any personal or identifying information, please do not respond. Call Harvester Financial at 1.800.326.2279 immediately to report the fraudulent text message.

Q: What if I do not have text messaging?
You will still receive automated fraud alerts via phone and email. A text messaging plan is not required, but is a great way to receive fraud alerts about your Harvester Financial account.

Q: What number will the fraud alert come from?
SMS fraud alerts will come from 919-37. You may want to save this number in your contacts with a name you will recognize for future alerts. We recommend ‘CU Fraud Alerts’. Fraud alert messages sent from this number will also be labeled with the Harvester Financial Credit Union’s name.

Q: If my mobile number changes, what do I do?
Please update your contact information as soon as possible so that alerts will be sent to the proper number on file. You will still receive alerts on your home phone number or email, if that information is on file. Accurate contact information is important so that we can reach you in the event we identify suspicious transactions on your account.

Q: What happens if the transaction in question in the fraud alert is legitimate?
If you recognize all of the transactions present in the fraud alert. Simply reply “Y”, to confirm the activity as valid. Your card will automatically be unblocked and no further action is required. You may now complete any purchases that may have been declined.

Q: How do I opt-out of text alerts?
To opt-out of text alerts, simply reply STOP to any text alert. You will no longer receive fraud alerts via SMS message. You may also opt-out by calling the number provided on the back of your card and asking to be opted out of Automated Fraud Alerts messages.

The Automated Fraud Alerts system will make multiple attempts to contact you if fraud is suspected on your account.

1. The Automated Fraud Alerts system will first send a text message from 91937 to your mobile phone. The message will ask you to review the suspected activity. If you do not respond within 30 minutes of receiving the message, the AFA System will then attempt to contact you by phone.
2. A digital call will be made to the mobile phone number provided to validate the activity. If the call is answered, you will be guided by digital voice through the transaction verification process.  If fraudulent transactions are found, you will be connected to a live agent, who will assist you in filing a lost or stolen card report.
3. The digital voice system will attempt to call the home phone number on file if you are unavailable at your mobile number and will leave a message on the home voice mail/answering machine if the phone call goes unanswered.
4. If no response is received within 3 hours after the voice message is left, an additional AFA digital voice system call will be made to your home number.
5. If the Automated Fraud Alerts system is unable to reach you and verify the transactions, your card will be temporarily frozen and you will then need to contact the credit union for further assistance with your account.
6. During the Automated Fraud Alerts verification process, an email will also be sent to the email address on file.