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SMS Guardian Fraud Alerts
Electronic Banking SMS Guardian Fraud Alerts

Stop Fraud in its Tracks

Protect Yourself from Merchant and Consumer Fraud Compromises with SMS Guardian from Athens Federal text alert fraud prevention for your peace of mind.

As always, your security is a priority at Athens Federal. Sign up for FREE SMS Guardian Service and you will receive text messages regarding transaction activity on your Athens Federal debit card. You can enroll any Athens Federal debit card for this service and you may choose to receive text alerts on up to 10 different SMS (Short Message Service) or text message enabled devices.

Feeling safer already? Click here to enroll now. It's quick, easy and FREE!

Alerts will be sent if the following transactions occur on the card you enrolled:

  • Single authorizations greater than a specified amount
  • More than a specified number of transactions in a 24-hour period
  • Online or other "Card not present" transactions
  • International or out-of-state transactions (Out-of-state transactions are triggered based on your address in our system)
Following is an example of an alert:
Guardian Alert on card 1234 at XYZ Store for $500.00. Reply AA1234NO if unauthorized. Reply STOP to cancel alerts.

If you receive this message and the purchase is legitimate, do nothing. If the purchase is fraudulent, reply with the code included in the message and your card will be immediately blocked. You will have up to 12 hours from the original text alert to reply. This service can be cancelled anytime by replying with the message "STOP."

Enrollment enables the service for one year. Prior to expiration, you will be notified and will be able to text a reply to renew. Changing mobile service providers may require you to reenroll your mobile device. The cell phone or mobile device must have the ability to send and receive text messages and the use of "short codes" must not be blocked. Standard text messaging rates may apply; please contact your mobile service provider for details.

Frequently Asked Questions about SMS Guardian


"Manage Cards"
An On/Off Switch for your Peace of Mind

Reduce the likelihood of fraud on your AFCB debit card with the card management feature on the AFCB Mobile App. Temporarily suspend your card when not in use or if your card is misplaced, and immediately reactivate it in the app. Suspending your card tells us not to authorize new purchases, withdrawals or balance transfers until you reactivate your card. If you forget to turn it back on and try to use the card, you will receive an immediate text alert. This will also let you know if someone else is trying to use that suspended card number.