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smsGuardian Text Alerts

Cardholder Protection Providing SMS Text Alert Fraud Prevention for Your Peace of Mind

At First National Bank of St. Ignace, we are always looking for the best possible ways to protect our customers and their money.  Simply enroll your FNB of St. Ignace MasterCard Debit Card in the new smsGuardian anti-fraud text alert notification service, which sends transaction alerts directly to your mobile phone or other SMS-enabled device. 


What is SMS?
(SMS) Short Message Service is a text messaging service component of phone, web, or mobile communication systems, using standardized communication protocol that allows the exchange of short text messages between fixed line or mobile phone devices. 


Here’s how it works:
When a purchase that meets the monitoring criteria defined by FNB of St. Ignace is made with your debit card, a text will be sent to you for review.  If you think a particular transaction is fraudulent, reply immediately.  A smsGuardian fraud analyst will block the card and follow up with you by phone.  This added layer of security enables fraudulent activity to be identified and stopped immediately, which significantly reduces the likelihood that subsequent unauthorized transactions will occur.  If you receive this message and the purchase is legitimate, do nothing.  If the purchase is fraud, reply with the code provided within the text message and your card will be blocked.  If you do not reply to the text message within 12 hours, the transaction is considered legitimate and no
further action will occur.


Features and Benefits for our cardholder(s):

  • Two-way text communication
  • Can enroll up to ten devices per web account
  • Do-Not-Disturb window capability
  • One year enrollment period
  • All major phone carriers supported 

The smsGuardian Text Alert service can be canceled anytime by replying with the message STOP.  You may also unsubscribe from this service entirely on the website.  Cardholders can also discontinue alerts by texting the word STOP to 27576.


When you enroll in the service, the system monitors debit card usage for the following types of transactions:

  • International Transactions
  • Authorizations Greater than $100.00
  • 5 or more Transactions in 24 hours
  • Card Not Present Transactions
  • Out of State Transactions
  • Declined Transactions

Note:  If one of the above listed types of transactions occur with your debit card, you will receive a text message alert.

Enroll today by clicking here!

Additional terms and conditions apply – click on the link above to view.  Mobile service provider message and data rates may apply.  Cardholders will not receive more than one message per transaction on each enrolled card.

If you need help regarding the use of this service or your account, you may reply to an alert message with the word HELP, click on the "Service Usage Guide" link on the webiste or call (888)868-8611.

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