Card Alert: A powerful way to protect
your FirstPlus debit card from fraud
Our fraud detection systems are on the job 24/7, monitoring your debit card transactions for suspicious activity. Now, we've stepped up the fight against fraud by adding a new layer of protection. If potentially fraudulent transactions are detected on your card account, we'll contact you immediately by sending a text message to your cell phone or a voice message to your home phone. All FirstPlus debit card holders are automatically covered.
For fraud detection purposes, we look for:
Purchases that fall outside your normal buying patterns
Purchases made at times or locations that are unusual for you
Purchases that match known fraud trends
Getting in touch with you quickly is critical to stopping fraud. Because 91% of American adults have a cell phone, our first line of defense in the event of suspicious card activity is to send you a text message. If we don't have your mobile number or you don't have a cell phone, a voice message will be sent to your home phone.
FREQUENTLY ASKED QUESTIONS
Card Alert Text Message Notifications
What number will I see if I get a Card Alert text message?
What will the message say?
Example of a Card Alert text: FreeMsg: First Financial Bank Fraud Dept: Possible unauthorized txn on acct ending in 1234: $56.78 processed by Julie's Jewelry Store. If authorized, reply YES, otherwise reply NO
What happens when I reply to the text?
If you reply YES, here's an example of the reply from us: FreeMsg: First Financial Bank Fraud Dept: You have confirmed a purchase of $56.78 at Julie's Jewelry Store. We apologize for any inconvenience. Your acct can now be used without concern.
If you reply NO, you'll receive this message: FreeMsg: First Financial Bank Fraud Department: Thank you for your reply. A fraud specialist will call you immediately to protect your account. Please answer this important call.
What if I don't reply right away?
If you don't reply to the Card Alert text after a short period of time (usually 15 minutes), a voice message will be sent. If there is no reply to the voice message, we will send another text in about one hour, followed by a second voice message. After multiple attempts to contact you, a letter will be sent by U.S. Mail.
Is there a cost to me for the text message?
Verizon, AT&T, Sprint and T-Mobile support "Free To End User" texting. If you have mobile service with one of these companies, there is no cost to you to receive Card Alert texts. If you have mobile service with another carrier, we will send a voice message to your phone.
Depending on your cell phone plan, there may be a charge for texting a reply to the Card Alert text message. Check your plan for details.
What if I don't want to receive Card Alert text messages?
If you would like to opt out, simply reply with STOP.
If I use my FirstPlus Check Card when traveling, will that trigger Card Alerts?
If you are traveling in the U.S. or to a foreign country for an extended period of time, call us prior to departure and we'll make our monitoring more flexible during that time.
Card Alert Voice Message Notifications
What number will I see on my caller ID if I get a Card Alert voice message?
What will the voice message say?
Example of a Card Alert voice message: This is the fraud prevention department at First Financial Bank calling for Joe Cardholder or Jane Cardholder. We need to verify some recent activity on your FirstPlus Check Card ending in 1234. In order to prevent possible difficulties using your card, it is important that you call us back at your earliest convenience, toll free, at 800-889-5280. You may call us back 24 hours a day, 7 days a week.
Is there a cost to me for the voice message?
In most cases, there is no charge for a phone call to a landline. If the voice message goes to your cell phone, it would count against the minutes in your plan and, depending on the plan, there may be a charge for the call.
Similarly, when you call back from a landline, there is no charge for a toll free call. If you call back from your cell phone, depending on the plan, there may be a charge.
Help Us Protect You
Please keep us up to date with your current mobile and home phone numbers. To update your information, call our Customer Contact Center at 812-238-6000 or 800-511-0045. Hours are Monday through Friday from 8 a.m. to 6 p.m. and Saturday from 8 a.m. to 1 p.m. Eastern Time. We can also answer any questions you may have about the Card Alert Notification service.
If you prefer to update your phone numbers online, please use the form below. We request the last four digits of your Social Security number so we can verify your identity in case of duplicate customer names or other questions.