In our continuing efforts to keep your money safe, we have launched an improved alert system to guard against fraud.

Here's how it works:

If potential fraud is detected at the time a purchase is being made using your Texas Trust Mastercard^® debit card or credit card, you will be contacted:

• First, an email notification will be sent. You will have the option to reply with “fraud” or “no fraud.”
  • If you recognize the purchase, reply “no fraud.”
  • Alternatively, if you do not recognize the purchase, reply “fraud.”
• If you do not respond within one minute of the email being sent, you will receive a text alert with the same "fraud" or "no fraud" response options.
• If no response is received, you will then receive automated phone calls in this order: cell phone, home phone, work phone. You will have the same response options.
  • The call will also give you the option to speak with a fraud analyst at the Fraud Center.

Remember: Our messages will never ask for your PIN or account number.

Actions to take now:

• Add (800) 417-4592 to your phone contacts and label it "TXTCU Fraud Center"; it will display on your phone should you receive a call from this number.
• Update your email address and phone numbers on file with the credit union:
• Primary account members
  • Log on to Online Banking
  • Go to "Additional Services"
  • Choose "My Profile Address"
• Joint account members
  • The Primary account member must log on to Online Banking
  • Send a secure message in the Message Center, located at the top right of your Online Banking screen.
• Alternatively, the primary account holder may use the mobile app to send a Mobile Secure Message, visit a branch, or call the credit union’s Member Service Center at (972) 263-5171.

What happens if I respond "fraud":

• Your debit or credit card will be blocked.
• You should contact the credit union as soon as possible to complete the proper dispute paperwork and have a new card issued.

What happens if I respond "no fraud":

• Your debit or credit card will be available for continued use and no additional action is required.

What happens if I do not respond to the email, text, or phone calls:

• Your debit or credit card will be blocked.
• You should contact the credit union as soon as possible
  • To unblock the card if no fraud has occurred.
  • To complete the proper dispute paperwork and have a new card issued, if fraud has occurred.

What else should I know:

• With Mastercard^® Zero Liability you have peace of mind knowing you won’t be responsible for unauthorized purchases. This coverage extends to purchases made in a store, over the telephone, or online. Zero Liability is provided under the following conditions: Your account is in good standing, you have exercised reasonable care in safeguarding your card, and you have not reported two or more unauthorized events in the past 12 months.
• With your Checking20 account, you receive FREE ID Protection that provides monitoring and detection, resolution and recovery, credit reports from all 3 credit bureaus, access to your credit score, and more. Make sure you are fully utilizing this valuable program! (Not yet registered? Contact the credit union today for registration information.)