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Are you curious how much money you’ll save with a Texas Trust auto or home loan? Worried about saving for college? Visit our Advice site for access to interactive calculators, polls, quizzes, and articles to help build your brighter financial future.

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Card Fraud Monitoring

Your Debit and Credit Card Accounts Are Now Safer!

 Card Fraud Monitoring

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.


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 member may use the Mobile Banking 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.
  • With Card Controls on the Mobile Banking App, the primary account member can temporarily freeze, or permanently cancel, their debit and credit cards. You can also request a new card to be issued with the Mobile Banking App.

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.)



© 2016 Texas Trust Credit Union. All rights reserved. The Fraud Monitoring Service is subject to change without notice. MasterCard is a registered trademark of MasterCard International Incorporated. Zero Liability is a feature of US-issued MasterCard cards.


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© Content copyright 2013, Texas Trust Credit Union.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Pursuant to Texas Credit Union Department Rule 91.315, documents relating to Texas Trust's finances and management are available by calling 972.263.5171. All member service issues please call 972.263.5171. USA Patriot Act Requires IDENTITY VERIFICATION for all new accounts. Some links in this site may direct you outside of the Texas Trust Credit Union website. Texas Trust is not responsible for the content displayed on these other websites.