Madison County Community Bank
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Madison County
Community Bank

301 E. Base St.
P.O. Box 834
Madison, FL 32341

850-973-2400

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SecurLOCK Debit Card Fraud Alerts


Madison County Community Bank is always looking for new ways to fight fraud faster.

Our enhanced fraud prevention tools allow us to contact you via text message, email and or phone call.

If a suspicious transaction occurs on your account, an SMS text will be generated with a simple "yes" or "no" to verify if the transaction is valid. If we cannot reach you via text, we will attempt to contact you by telephone call and email message. Please keep MCCB up to date with your latest contact information.

DEBIT CARD FRAUD ALERTS FAQs

We have already included you in these enhanced services as part of our fraud protection services if we have an up to date cell phone number and email address on file.

Transactions that we have identified as potential fraud trigger the alerts.

The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

Madison County Community Bank will send Fraud SMS text alerts from 328-74

Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 - 10 minutes of the initial call/text/email to validate activity.

The system will accept many common typo variations of the "yes" or "no" text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

No.

In other areas of business, we have calls only going out during certain hours so cardholders aren't being called after normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder's time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder's time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.

All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!

These customers have U.S. numbers, but are traveling overseas, possibly on a non-US carrier. We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.

Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is:

  1. Text
  2. Voice Call
  3. Email
Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder's time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder's time zone.

Communicate actions are triggered by today's existing fraud alerts through the Falcon system. If a mobile phone is on record, a text alert will be triggered first. All numbers on record that are identified as a mobile phone will be utilized. SecurLOCK Fraud Alerts has technology that allows it to determine if a phone number is a mobile or land line, so indicators within the processing platform are not required. If we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. If you select "Not Recognized", the call is transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting that you confirm the transactions are valid.