ATM/Debit Card Protection

Criminals are always on the move, looking for new ways to acquire protected information. At Meadows Bank, we recognize that the game is always changing and the fight against fraud requires not only vigilance but a wide range of flexible tools for monitoring your ATM/Debit Card.
 
 

Fraud Center

A critical aspect of risk management is the ability for us and our fraud analysts to respond immediately to trends or indications of impending fraud. Instant response stops crime in its tracks, rather than leaving you helpless as incidents continue to occur. Sophisticated fraud software which identifies key transaction behavior for each cardholder and recognizes potential fraud, is paired with live monitoring by expert fraud analysts.
 
If a suspicious transaction is detected, a fraud analyst will attempt to contact the cardholder on all phone numbers provided. Your card will be suspended immediately if fraud is confirmed, and/or if you do not respond to the contact by the analyst.
 
You are automatically covered by Fraud Center protection when you obtain an ATM/Debit Card from Meadows Bank. If you prefer not to have such stringent fraud protection, you may want to consider one of our more flexible anti-fraud services described below.  Fraud Center Phone Number:  800.237.8990.
 
 

smsGuardian

smsGuardian is a fraud protection text alert service1, sending alerts directly to ATM/Debit Card holders via text message.
 
Cardholders will establish parameters for when they receive alerts. Alerts can be sent for all transactions, or a choice of one or more of the following transaction alert options: international, fuel, authorizations greater than $100, three or more transactions in 24 hours, card not present, out of state, and declined authorizations.
 
When a transaction triggers an alert, the smsGuardian system sends a text message to all enrolled mobile devices. If the alert is for an authorized transaction that you made, no action on your part is required. If the transaction is not legitimate, you should immediately reply following the instructions you receive in the text message. A unique code will be provided that you will use when replying to the text. When you confirm unauthorized activity, the information is immediately routed to a fraud analyst for card blocking and follow up, reducing the time window in which subsequent unauthorized transactions could take place.
 
• Sends alerts about suspicious card activity directly to cardholders via text message.
• Routes notification of fraud to analysts for card blocking and follow up.
• Sends alerts for all transactions or a choice of pre-defined options.
• Supports all major phone service carriers.
• Generates monthly reports that detail account access, confirm enrollments, and list alert messages sent.
• Notifies cardholders prior to expiration and enables a text based renewal.
• Enables members to enroll up to 10 mobile numbers per card.
• Supports “do not disturb” times when messages can be queued and sent later.
 
 
 

MyCardRules

MyCardRules is an easy-to-use mobile app that lets you set card controls, add restrictions and receive transaction alerts1 on all your Meadows Bank ATM/Debit cards. Have you ever misplaced a card? MyCardRules lets you turn off the card while you look for it. Once you find the card and are ready to use it, turn it back on. How nice would it be to get a notification as soon as your card is used for a large online purchase? MyCardRules delivers alerts directly to your compatible iOS or Android mobile device and lets you select the criteria used to generate the alerts. Set your alert preferences right from the app.
 
Just download the MyCardRules app from Google Play™ or the App Store®. Then you can set a wide range of controls and alerts on all your cards. For example, you can:
 
• Turn your card on and off.
• Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type.
• Get instant alerts on certain types of transactions, like when a transaction is declined.
• Set a specific region where the card can be used or restrict usage based on your mobile device’s location.
• Set parental controls and monitoring.
 
Alerts will show up just like any other notifications you get on your mobile device.
 
Knowing that you’ve set rules, restrictions and alerts that meet your specific spending preferences adds another layer of fraud detection and prevention, and gives you added peace of mind. You have complete control of how, when, where – and WHO uses your cards.
 
Download the MyCardRules App Now
 
 Apple App Store Icon  Google Play Store Icon
 
For more information on the various fraud detection and prevention programs, please contact us at hereforyou@meadowsbank.com.
 
1 Message and data rates may apply. Please contact your wireless provider for more details.
Person using a debit card on a laptop

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We’re committed to stopping online threats and preventing financial fraud.