Keeping Your Debit Card Safe
With our partners at Falcon Fraud, security is our highest priority.
Offering you peace of mind with Falcon Fraud Alerts
Blue Federal Credit Union is pleased to offer additional Falcon Fraud Protection services for your debit card.
Our goal is to help identify and prevent identity theft. If any transactions are unusual or outside of your normal spending patterns, you may receive communication from Falcon Fraud to confirm these transactions. If you have a Blue debit card with a cell phone number on file, Falcon Fraud will send you Fraud Alerts via text messages.
* If you do not have a cell phone number on file, Falcon Fraud will contact you at the email address or home phone number we have on file.
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If potential fraud is detected on your debit card, this will be the process by which you will be notified:
1. Text Alert
If suspicious activity is detected on your account, a text message will be sent to the cell phone number on file in your account. The text will contain information about the transaction in question including the last four digits on the card used, the dollar amount of the transaction and the name of the merchant the transaction took place.
Texts will be sent from a 6-digit short text number.
5 Minute wait
You will have 5 minutes to either reply "YES" if you authorized the transaction or "NO" if you did not authorize it. You will also have the option to opt out by replying "STOP".
2. Email
If 5 minutes passes with no response, an email will be sent from the Falcon Fraud team through CO-OP to the email address on file. The email will include a brief description of why the email was sent along with the information about the transaction in question including the last four digits of the card used, the dollar amount of the transaction and the name of the merchant the transaction took place.
5 Minute Wait
You will have 5 minutes to select one of two options within the email: 'All Transaction(s) Authorized' or 'One or More Transaction(s) NOT Authorized.' Please select the appropriate response.
3. Phone Call
If 5 minutes passes with no response, a phone call will be made to the mobile number on file first. If there is no answer, a phone call will be placed to the home number on file.
Frequently Asked Questions
No. Every member with a Blue debit card will receive the alerts. However, please log in to Online Banking to make sure your email and phone numbers are current.
If you do not recognize the transaction and reply “no,” a card services representative will follow up with you soon. You can also reach the Card Member Security Division anytime by calling 888-241-2440.
If you confirm that you made the transaction(s) by responding with "yes," you can continue using your card as you normally would.
If the transaction in question did not process, you will need to attempt it again.
No. This is offered to members for free.
*Messaging and data rates may apply.
If the phone number you have on file is not a mobile phone, we will contact you at that number, if no one answers, we will leave a voice message.
Yes. If you do not want to receive debit card fraud alerts, you may opt-out by contacting Card Member Security at 888-241-2440.
If you do not respond to the attempted communications from Falcon Fraud, your debit card will be blocked and your transactions will not be processed until you contact Card Member Security, 888-241-2440.
Messages will be sent from Falcon Fraud. Your reply will only be used to verify whether you conducted the transaction in question.
Important reminder: Blue will never contact you via phone, text, or email to request sensitive personal information such as your PIN or Online Banking password.
*Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of your carrier may interfere with message delivery for which the carrier is not responsible. Your cell phone carrier does not guarantee that alerts will be delivered.
