Debit Card Fraud Protection with smsGuardian | ABC Bank

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Debit Card Fraud Protection with smsGuardian

smsGuardian is a service that uses text messages to enable you to monitor activity occurring on your account and to respond immediately to fraudulent activity. Once you have our MasterCardTM debit card or ATM card you can sign up to receive text message alerts as a complimentary service from American Bank of Commerce (message and data rates may apply). This program offers another layer of security that helps protect your account.

How it works

When a transaction meets certain criteria, a text alert is sent to the enrolled phone number. If the transaction is authorized, there is no response needed from the cardholder. If the transaction is unauthorized the cardholder can respond to have the card blocked immediately. This allows you to prevent further unauthorized access in a matter of seconds! The transactions that will generate alerts are:

  • International Transactions
  • Transactions with an authorization amount greater than $300
  • 6 or more transactions in 24 hours
  • Transactions where the card is not present or the card number is manually keyed
  • Declined Authorizations


Enrollment is initiated online. The system will need some basic information, including your card number to get started. Before alerts can be sent, you must confirm your enrollment by successfully texting your enrollment code provided by the smsGuardian website when setting up a device. For assistance you may click on the “Service Usage Guide” link on the smsGuardian Website or call (888) 868‐8611.

Sign Up Today