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The Peoples Bank

Card Guardian

The Peoples Bank Card Guardian service is an anti-fraud alert program for our debit card customers. With this service, customers will receive text message alerts on their mobile device to help prevent potential fraudulent activity. Customers can reply to text message alerts to report unauthorized transactions, which the Bank will then investigate.

Features & Benefits

  • Two-way text communication (data charges may apply, check with your cellular service provider)
  • Can enroll up to ten mobile devices
  • Manage when text message alerts are sent
  • One year enrollment period
  • All major phone carriers supported

Any debit card issued by The Peoples Bank is eligible for enrollment.  To enroll in this beneficial service simply click the "Card Guardian Enrollment" link below the Enrollment Instructions.

 

Enrollment Instructions:

  1. Submit your debit card number and you will then be prompted to provide your zip code and the last 4-digits of your Social Security Number.
  2. Agree to the Terms and Conditions.
  3. To enroll a mobile device, go to the Device / Create Device tab.
  4. Enter the mobile device’s 10-digit phone number and click Submit.
  5. Text the required information to 27576.

Card Guardian Enrollment

 

The following types of transactions will generate a text message alert.

  • International Transactions
  • Fuel Transactions
  • Authorizations Greater than $200
  • 5 or More Transactions in 24-Hours
  • Card unavailable (card not present)
  • Out of State Transactions

When a debit card purchase meets the monitoring criteria defined above, a text message alert will be sent to you for review. If the purchase is legitimateno action is required by you.  If you think this transaction is fraudulent, reply immediately as instructed. At this point, a Card Guardian Fraud Analyst will block the card and contact you by phone. This added layer of security identifies potential fraudulent activity immediately, which significantly reduces the likelihood of future unauthorized transactions.  If you do not reply to the text message alert within 12-hours, the transaction is considered legitimate and no further action is required.


Card Guardian Frequently Asked Questions

 

I used my spouse's Social Security Number (SSN) because the account is in his/her name and the SSN is not working.

You must use the cardholder's SSN.

I have received a new card from the bank, do I need to register that card?

If the card number did not change then Card Guardian will continue to send alerts.  If the debit card has a new number then you will have to re-register the new card number to activate alerts for that card..  

Is there a charge for The Peoples Bank Card Guardian Service.

No, The Peoples Bank provides this service at no additional charge to our customers. (Message and Data Rates May Apply.  Please check with your cellular service provider.)

I’m getting text message alerts now, but they are not fraud, what do I do?

You will receive a text message alert anytime a transaction meets one of the alert criteria. You do not have to do anything if the transaction is valid.  If you think a transaction is fraudulent, reply immediately as instructed. At this point, a Card Guardian Fraud Analyst will block the card and contact you by phone.

What happens if the cardholder doesn’t reply to a text message alert?

Nothing.  If you do not reply to the text message alert within 12-hours, the transaction is considered legitimate and no further action is required.

How do I identify a Card Guardian text message alert?

You will receive a text message from “27576” beginning with the phrase "PEOBK Guardian Alert."

If a cardholder indicates possible fraud in a response to a text message alert, what happens next?

A Card Guardian Fraud Analyst will block the card and contact you by phone.  You will no longer be able to use the debit card.  You must visit the nearest branch of The Peoples Bank to order a new debit card.

Do cardholders receive renewal notifications?

Yes, the Card Guardian service is renewed annually and a reminder text message will be sent to you with renewal instructions. 


Some mobile service providers require a 30-day subscription reminder message to their customers participating in The Peoples Bank Card Guardian Alert program. The text message will display as “Reminder: You have subscribed to Card Guardian transaction alerts from The Peoples Bank. Message and data rates may apply. Reply HELP for help. Reply STOP to cancel.”