Debit card fraud is a major problem around the world. In an effort to protect our customers and reduce fraud we have implemented FFIBAlerts. FFIBAlerts establish faster communication between you and First Florida Integrity Bank to help prevent unauthorized access to your account.
How the FFIBAlerts Notification System Works:
1. Enrollment - For your security, we continuously monitor debit card transactions for possible fraudulent activity. Enrollment is free and automatic. You only need to choose your preferred method of communication – email, telephone, or text message. To enroll in text messaging you will text – FFIBANK (not case sensitive) to 47334. You will be automatically enrolled in email or telephone, your choice!
2. Notification - If your debit card is used for a transaction which shares characteristics commonly associated with fraudulent transactions, we will contact you by email, telephone, or text message notification. Text messaging and emails will be sent 24 hours a day, 7 days a week. Telephone contact will be made between the hours of 8am and 8pm, 7 days a week.
3. Authorization - To prevent disruption of your card use, review the purchase details and reply by text message acknowledging if the transaction is authorized or unauthorized (fraudulent) or you may contact us by phone at 239-348-8000 or toll free 844-438-3669 after hours and weekends. We will block your debit card in an effort to prevent additional fraudulent activity from occurring.
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Frequently asked questions regarding the usage of FFIBAlerts.
1) What does the FFIBAlerts service do for me?
We monitor transactions on your debit card for potential fraud. When we identify a transaction that may be fraud, we verify that transaction with you. In certain situations, we may block further use of your debit card until we receive confirmation from you that the requested transaction was legitimate. FFIBAlerts service establishes faster communication between you and FFIB and thereby un-blocking your debit card more quickly. We recommend that you opt in for text alerts since it is the fastest way to reach you when you are away from home and using your debit card.
2) How do I register to receive FFIBAlerts?
No registration is necessary. You will automatically be enrolled to receive email alerts and automated phone alerts to the primary phone number on your account. We must have your current email address, primary phone and mobile phone numbers to ensure that we can reach you promptly regarding suspicious activity on your debit card. To receive text alerts, we need your consent. Follow this step:
Step – Verify by text
Text FFIBANK (not case sensitive) to 47334
You will receive a confirmation message that you are registered to receive text alerts.
3) What makes a transaction appear as suspicious and generate a debit card fraud alert?
Our debit card fraud notification service encompasses multiple strategies driven by current fraud trends. We examine many variables (i.e. the dollar amount, the rate of transaction, and the merchant type and location, etc.) to determine if a transaction is suspicious and potentially fraudulent. We also monitor prior account usage patterns (i.e. geographical locations consistent with your other account transactions). In some cases, the characteristics of multiple transactions may raise suspicion and you may receive fraud alerts for more than one debit card transaction.
4) How will I be notified if I have suspicious transactions on my debit card?
FFIBAlerts service will block your debit card, then simultaneously send an email and either call the phone number listed under the account or send a text to the registered mobile phone number. As an added layer of security, you will receive an email for each text alert. This is a secondary precautionary communication and you only need to reply if you did not respond to the text.
5) What if the debit card transaction is fraudulent? Can I still use my debit card?
No, the debit card will not be available for further use. We will block your debit card immediately.
6) Will I receive notification of all my transactions?
Yes, you will receive a text message for each transaction. You will be given the option to notify us if the transaction was authorized or unauthorized by responding with a Yes or No (not case sensitive). It is recommended that you answer each text so that we have an idea of your usage patterns.
7) How long should it take to receive a debit card alert?
Typically, text alerts arrive within a few minutes, but timing may vary based on your internet service, mobile phone provider and accessibility to a mobile network. In some cases, your debit card may be blocked from further transactions until we are able to verify the transaction is legitimate. You can contact us at 2239-348-8000 or toll free 844-438-3669 after hours and weekends if you have questions or concerns with your debit card.
8) I enrolled for text alerts. Why didn’t I receive a text message to complete my registration?
Your mobile phone may be blocked from receiving third-party text messages. Contact your mobile carrier to see if this block applies to you and ask them to remove it from your mobile phone so you can register.
9) What if I don’t have text messaging service on my mobile phone?
Text messaging service is required to receive text alerts from FFIBAlerts. If your mobile phone is able to send and receive text messages, but you do not currently subscribe to this service, you will need to contact your mobile phone provider to add the text messaging feature to your mobile phone plan. You will receive automated calls from First Florida Integrity Bank to the phone on your account. Once you successfully register for text alerts you will no longer receive automated calls. Please call us at 239-348-8000 or toll free 844-438-3669 after hours and weekends to ensure that we have the correct contact information.
10) If I am traveling outside the U.S., can I receive text alerts?
Messages can only be sent via U.S. carriers and will only be receivable in the U.S. If a transaction is flagged as suspicious, we will send a text, but it may not be received while you are outside of the U.S. Some messages on U.S. carriers may be received while traveling outside of the U.S., however it will depend on the carrier’s coverage area. You will still receive an email notifying you as well. It is always a good practice to inform us of your travel plans by notifying a personal banker or completing the form online prior to traveling outside of the U.S. Doing so will help avoid legitimate charges being flagged as potentially fraudulent. In some cases, your debit card may be blocked from further transactions until we are able to contact you.
11) What mobile carriers currently participate in FFIBAlerts?
AT&T®, Sprint®, Nextel®, Boost®, Verizon Wireless®, U.S. Cellular®, T--‐Mobile®, Alltel®, Virgin Mobile USA®. This list is subject to change without notice.
12) How much does it cost to use the FFIBAlerts?
First Florida Integrity Bank does not charge for this service. However, standard text message and data rates assessed by your mobile carrier may apply if you opt in for text alerts. Please check with your mobile carrier to ensure that you have ‘text messages’ on you monthly mobile phone plan.
13) Are my text responses case-sensitive?
No. You can send text responses as upper-case, lower-case or a mixture of both.
14) Can I add multiple mobile phone numbers?
No. Only one mobile phone number can be linked to a single debit card number.
15) If my mobile phone number changes, what do I need to do?
Please call us with your new contact information at 239-348-8000 or toll free 844-438-3669 after hours and weekends or visit any First Florida Integrity Bank office. In order to receive text alerts on your new mobile number, you need to register for text alerts again with your new mobile number. You’re previous mobile number will no longer be enrolled when you take this action.
16) Why do I receive multiple text messages with Pg 1/2, Pg 2/2?
Text messages are unique in that some mobile phone carriers can only hold 160 characters per text. Some commands require multiple text messages to return all of the necessary information. In some cases, you may receive these alerts out of order. Please review all text messages before responding.
17) Do I have to text my personal information?
First Florida Integrity Bank will never ask you to text us your account number, personal identification such as your birthdate or social security number, or any other personal information such as your mother’s maiden name or your address. If you ever receive a text message asking for your account number or other personal information, please do not respond to it and contact us at 239-348-8000 immediately.
18) How do I unsubscribe to text alerts?
Text the word STOP to 47334 or reply STOP to any Debit Card Fraud Alerts message that you receive. This will cancel any further alerts to your mobile number. Please remember that this may affect your daily point of sale limit. Please refer to the account disclosure or our website. You will receive an opt-out confirmation. First Florida Integrity Bank will still send an email and call your primary number with an automated message to notify you of suspicious activity.
19) Why was the transaction amount in my Debit Card Fraud Alert greater than my actual purchase amount?
Some merchants pre-authorize transactions before the purchase is actually made. This is very common with pay-at-the-pump gas transactions and restaurants. In these instance, your alert will show the pre-authorization amount designated by the merchant instead of the actual purchase amount. This pre-authorization amount will not be posted to your account.
20) What if my debit card has fraud?
If you confirm that your debit card has fraudulent activity, the debit card is blocked. When you receive your new debit card, you will automatically receive email and phone call alerts, but you will need to register again to receive text alerts.
21) What do I do if my mobile phone is lost or stolen?
If your phone is no longer in possession, please contact us at 239-348-8000 or toll free 844-438-3669 after hours and weekends to request that mobile number to be removed from text alerts.