Be Informed! Set up alerts to know what card transactions are being authorized.
Credit Union of Denver has an outstanding MasterCard® program that includes Debit, Credit, Secured and HELOC cards. We continue to adopt new ways to minimize the impact of card and account fraud for our members. C·U·D MasterCard’s are chipped with EMV Chip technology and they now come with alerts.
What is it?
Member Card Alerts is a new service available to C·U·D Debit and Credit card holders that enables you to be notified of certain types of account activities. Links are located below for each type of cards protected. You can elect to have alerts sent to you via email and/or text messaging (keep in mind your phone plan to know if there are extra charges involved) for any or all of the following reasons:
- Purchases over an amount of your choosing
- Online purchases – Card is not present at time of purchase
- International transactions – (email alerts only when traveling)
- Declined purchases
Bonus: Setting up alerts is a great way to monitor your accounts without having to login!
Why it’s important
Setting up alerts will be helpful when determining if one of your cards has become compromised. Once you have identified the possibility of an unauthorized transaction, you can give us a call and we can determine the best plan of action for your situation.
You can set up notifications to receive email or text message alerts for the following activities on your card (for maximum security it is important to set up each of the following alerts):
- Individual Transaction Amount Thresholds
- International Transactions – (email alerts only when traveling)
- Card-Not-Present Transactions (Telephone or Online Orders)
- Authorization Declined
Registration is easy
- Enter your card number
- Review and accept the Terms and Conditions
- Answer Security Questions of expiration date and zip code
- Choose a Nickname to help differentiate between notifications from multiple cards
- Choose a Default Destination to receive your notification – email or text message
- Click on Add New Alert
- Select an Alert – for maximum security, please select each of the 4 available alerts
Once the alerts have been set up you will begin to receive the following alerts:
Email Message Alert: (sample of Credit message)
From: “Card Alerts” <CARDALERTS@alerts.smsservicesnow.com> Date: July 12, 2017 at 1:20:26 PM MDT To: your home email address Subject: Notification from CREDIT UNION OF DENVER Reply-To: CARDALERTS@alerts.smsservicesnow.com
The following alert has triggered on your CUD credit card account based on alerting options which you have selected. A transaction at or over your alert threshold amount of 1.00 was made on your CUD credit card account at WHOLEFDS BMR 102 at 14:20 CT. If this is an unauthorized transaction, please contact us immediately at 866-820-5890.
Thank you, CREDIT UNION OF DENVER
Text Message – Debit
Text Message – Credit
If fraudulent transactions are detected please report the activity to the following phone numbers:
- Debit – 1.888.918.7746
- Credit & HELOC – 1.866.820.5890
Frequently Asked Questions C·U·D Card Alerts
How much does it cost to use this service?
If you elect to receive e-mail consumer-selected alerts, there is no cost to you. If you elect to receive SMS consumer selected alerts, alerts will be sent to your mobile phone via text message and standard text message and data rates assessed by your mobile carrier may apply. Please check with your mobile carrier to ensure that you own an SMS capable mobile handset that is registered on a carrier network and elected for a data plan that includes use of the mobile handset’s SMS capabilities. Acceptance of messages received is the sole liability and responsibility of the cardholder.
What if I do not have text messaging on my mobile phone?
Text messaging capabilities on your mobile phone is required to receive SMS consumer-selected alerts. If your mobile phone is able to send and receive text messages, but you do not subscribe to this service, you will need to contact your mobile phone provider to add a text messaging feature to your phone plan. As an alternative, you may want to select the email alert option.
How do I register for credit and debit alerts?
For credit and/or debit card alerts, you can register your card(s) through links on our card and checking pages on our website or through “My MasterCard” access link, you can find on our home page at cudenver.com.
- Click ‘Register or Return’
- Enter the requested information
- Select any alerts you would like to receive
- Click submit
- You will receive a text message to complete your registration and you must reply yes.
What carriers currently participate in this service?
T-Mobile, Verizon Wireless, AT&T, Sprint, Interop – Appalachian Wireless, US Cellular Corp® , Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA, ALLTEL Communications Inc.
How long should it take to receive an alert?
Typically, responses arrive within one minute, but timing may vary. You may experience delays or failures in delivery of an alert because of any of the following circumstances: (1) merchant delay in processing a transaction; (2) delays and/or failures attributable to network operators and telecommunications providers; (3) if your mobile device is off or out of operating range of a carrier with an appropriate signal for SMS and/or data services; (4) a variety of other wireless service and coverage conditions; (5) active or passive filtering of e-mail messages; and (6) insufficient space in the email account that is to receive email messages.
I enrolled in the service on-line and never received a text message to complete my registration?
Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone.
If I am traveling outside of the U.S., can I receive text message alerts?
No. Text message alerts can only be sent via U.S. carriers and will only be receivable in the U.S. If you live or travel outside of the U.S., you will need to specify an email address to begin receiving alerts to that email address.
Can I add multiple phone numbers?
Yes. If you are an authorized user, you can enroll as many mobile numbers and email addresses for an account as you wish. You may create a unique 10 character alphanumeric registration nickname per registration to assist you in identifying the card for which the alert is triggered.
What if my card is lost or stolen?
In most cases, your existing alert settings will be transferred to your new card number. Please review your settings online to ensure you continue receiving text messages or emails about potential fraudulent activity.
Why do I receive multiple messages with page 1 of 2, page 2 of 2?
Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.
Is this service safe and secure?
Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your member number, account numbers or other personal information, DO NOT RESPOND!
If my mobile phone number or email changes, what do I need to do?
In order to receive alerts to your new phone number or through e-mail, you will need to re-register your card with the new mobile number or email by changing them within your saved registration.
How do I unsubscribe?
Send a text that says STOP to 26499 for debit alerts, or 57526 for credit alerts. You will receive an opt-out confirmation.
You can also unsubscribe to this service by deactivating your registration on this site.
Can I register for different alerts on my mobile numbers versus my email addresses?
Yes, you will need to create 2 distinct registrations, one for each destination.
How do I confirm alerts I’ve registered to my mobile numbers and email addresses?
Click ‘Register or Return’. Enter the requested information. Review the alerts selected. If changes are needed, proceed with what you’d like to change. Click ‘Submit’. If no changes, Click ‘Home’ or exit browser.
If you need additional assistance, please contact us at 303.963.1340, 800.279.3288 or through our secure mail.