smsGuardian is a service that uses text messages to enable you to monitor activity occurring on your account and to promptly respond to fraudulent activity. Standard message and data rates may apply.

If you visit the Website, you accept the terms and conditions of use.

Please read them carefully.

If you need help regarding the use of this service or your account, you may text the word HELP to 27576 or reply to an Alert message with the word HELP. You may also click on the “Service Usage Guide” link on the Website or call (888) 868-8611.

You may discontinue the receipt of Alerts immediately by texting the word STOP to 27576 or by replying STOP in reply to a smsGuardian Alert. You may also unsubscribe from this service entirely on the Website.

The cardholder will receive alerts sent to their cell phone (or other SMS text messaging device) for enrolled Visa, MasterCard, or ATM cards. The number of alerts they receive will be based on their card usage. Cardholders will not receive more than one message per transaction on each enrolled card.

Some mobile service providers require that we send a 30-day subscription reminder message to their customers participating in the smsGuardian program. Cardholders will receive an alert message every 30 days reminding them of the subscription if their mobile service provider is Sprint, Nextel, Boost, or Virgin. The alert message will display as: “Reminder: You have subscribed to Guardian transaction alerts for [FI Name]. Message and data rates may apply. Reply HELP for help. Reply STOP to cancel.”