Visa Fraud Alerts

Image with the text "Visa Fraud Alerts" with someone laying on a hammock looking at their phone at the Visa Fraud Alert on it.

Visa Fraud Alerts is a new, free service that allows Austin Telco Visa cardholders to be notified of suspected fraud activity via two way text message immediately. If you have an Austin Telco Visa card and have a valid cell phone number on file, you are automatically enrolled in Visa Fraud Alerts. Cardholders can receive and reply to text messages without incurring charges from their wireless carrier. This card protection service includes Austin Telco business and personal cardholders.

How It Works

Members will receive a text message that includes the transaction that caused a fraud case to be created. You will then need to respond to the text message with a 'Yes' if the transaction was authorized by you or a 'No' if the transaction was not authorized by you. If you respond with a 'No' you will receive a text message letting you know that a fraud specialist will call you. If no response is received from the member, a second text will be sent followed by a voice call to the cell phone number on file in an attempt to reach the member.

Example of Visa Fraud Text Alerts
(32874) FreeMsg: Austin Telco FCU: Possible unauthorized txn on acct ending in 1234: $53.94 processed by Foods Inc. If authorized reply YES, otherwise reply NO. To Opt Out of alerts, reply STOP.

Opting Out

You can opt out any time by:

  • Texting 'STOP' to 32874.
  • Replying 'STOP' to a text fraud alert.
  • Contacting Austin Telco Card Services during regular business hours at 512-407-3181.

Updating Cell Phone Number

Austin Telco needs to have a valid cell phone number on file for you to receive Visa Fraud Alerts. You can update your cell phone number by:

  • Log into Online Banking, select the gear icon at the top right corner of the screen, under My Profile select 'Change Phone Numbers', update the field 'Mobile Phone'. Once completed click 'Submit'.
  • Come into one of our 24 locations with a valid ID and request that your mobile phone number be updated.

Due to security reasons, we cannot update your cell phone number over the phone.


Will I be charged by Austin Telco FCU or my cell phone carrier?
There will be no charge from Austin Telco or your phone carrier for this service.
What Austin Telco cards can I enroll in Visa Fraut Text Alerts?
All Austin Telco Visa Credit and Debit cards are eligible for this service. ATM cards are not eligible and cannot enroll.

 Fraud Alerts Program overview

Messaging frequency depends on account activity. For more information, TEXT HELP to 32874. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device.

For Fraud Alerts support, call Card Services during regular business hours at 512-407-3181. By giving us your mobile number, you agree that Fraud Alerts text messaging to notify you of suspected incidents of financial or identity fraud. HELP instructions: Text HELP to 32874 for help or call 512-407-3181.
STOP instructions: Text STOP to 32874 to cancel

Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of your carrier may interfere with messages delivery for which the carrier is not responsible. Your cell phone carrier does not guarantee that alerts will be delivered.

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