Fraud Education

The following tips can help keep your account information and identity secure.

ABOUT Recent News of Equifax Breach

ABOUT Recent News of Equifax Breach

Anti Fraud Text Alert Notification Sytem: smsGuardian


What is smsGuardian?
o An anti-fraud text alert notification system for debit and credit cards.
o Sends transaction alerts directly to a cardholder’s mobile phone or other SMS-enabled device.

What happens when the cardholder responds to the text?
o If fraud: information is immediately routed to a Fraud Analyst for card blocking and follow-up, reducing the time window in which subsequent unauthorized transactions could take place.
o If not fraud: no response is necessary from the cardholder.

Who decides what transactions trigger the text message alert?
 LFCU chose what type of transactions to trigger a text message alert. They are:

  • International Authorizations
  • Authorizations Greater than $300.00
  • Six (6) or More Transactions in 24 hrs
  • Card Not Present Authorizations

Will all LFCU cardholders be enrolled automatically in this service?
o No. smsGuardian is being offered as an optional service to our cardholders.

How do LFCU cardholders sign-up?
o Cardholders can choose to participate by enrolling their mobile numbers (up to 10) in a secure website. Enroll in smsGuardian. 
o Cardholders will need to verify their DOB, last four digits of their SSN, and Expiration Date of their card.
o Cardholders can control their respective time zone and “Do Not Disturb” times where messages are queued and sent outside the quiet period.
o This service is available for the following carriers listed HERE.
o Message and Data Rates May Apply.

How do LFCU cardholders discontinue the service?
o Texting the word STOP to 27576 or by replying STOP in reply to a smsGuardian Alert.
o Visiting the smsGuardian website.

You need additional help? Who do you contact?
o Text the word HELP to 27576 or reply to an Alert message with the word HELP.
o Click on the “Service Usage Guide” link on the smsGuardian website, once you have enrolled.
o Call (888) 868-8611.

Securing Your Identity

Securing your Account Information & Identity

Keeping your account safe

  • Use a complex password and memorize the password. Do not write down your passwords
    or store them in your browsers or other computer programs.
  • Do not reply to suspicious emails, text messages, phone calls or voice messages.
  • Do not use online banking on public or shared computers.
  • Always sign off when you have completed your transactions in your online account

Keeping your computer safe

  • Always use firewall and anti-virus software on your computer. Keep your computer up to
    date with the latest virus definitions and software patches.
  • Never download software from unknown sources such as a pop up or email.
    Keeping your identity safe
  • Never share personal information by telephone or email.
  • Review your monthly statements for fraudulent activity.

Keeping your identity safe

  • Review your credit reports annually for erroneous information. You can receive your
    credit report for free at


LFCU's Card Monitoring Service

Fraud Prevention Service

In our continuing efforts to keep your Lebanon Federal Credit Union accounts secure, we’ve
improved our alert system for potential fraud. Currently LFCU’s card monitoring service notifies
members by email and telephone alerts. Starting June 8th, text messaging will also be used to
alert members of potential fraud.
Here’s how it works:

  1. When potential fraud is detected, you will receive an automatic email notification from
    Lebanon Federal Credit Union, with the option to reply with “Fraud” or “No Fraud.”
  2. One minute after the email, you will receive a text alert from 32874 between 7am and
    9pm, which also has the “Fraud” or “No Fraud” option.
  3. If there is no response received from you, five minutes after the text alert, you will
    receive automatic phone calls to confirm or deny fraud.
    Remember – our messages will never ask for your PIN or account number.
    Verification of Zip Code or phone number may be required.
    Any questions, please call 717.272.2210.