Some activities that may prompt an automatic block on your card include:

  • Suddenly using your ATM/Debit card in a different state
  • Having a sudden string of costly purchases
  • Frequent transactions at certain types of businesses
  • Any pattern associated with new fraud trends around the world


If fraud is suspected, we will proactively implement the following:

  • If you have a cell phone number on file with FSB, you will receive a text message with details about the suspected transaction. All you will have to do is respond to the text to confirm the transaction. If you indicate the transaction as fraud, then another text message will be sent containing a number to call for follow-up. FSB will block your ATM/Debit card from use to prevent further fraud.
    • Sample text: FreeMSG FSB Fraud Center 877-253-8964 $125.46 on card 1234 at Macy’s. If valid reply YES, fraud NO. To Opt Out, STOP.
  • If you do not respond to the text message or choose to opt-out of the text message service, our Fraud Prevention Center will contact you by phone regarding the suspicious transactions on your ATM or debit card. If the transaction is legitimate, the block will be released. If we can’t reach you, we will leave a message with a case number.

If you received a message from our Fraud Prevention Center, please call 1.800.262.2024 and provide the case number.

To opt-out of FSB’s fraud monitoring text service, please contact us at 1.800.372.4445 or visit an FSB office near you or respond stop when you receive your initial fraud text notification.

Further protect yourself by turning your card off/on with your mobile device using our CardValet app.