SMS Guardian FAQ
Full cardholder information is not included in SMS Guardian text messages. The service is compliant with information security regulations.
Nothing. If no confirmed fraud response is received from you, the text message will time out after 12 hours.
Yes, because these are two different products that protect you from debit card fraud, so if a transaction is suspected to be fraudulent by our Fraud Center, you may receive your typical SMS Guardian text and a call from a representative.
The text will reference “Guardian” as the sender and will also include Athens Federal’s short name (AFCB). Once you receive a message, we recommend that you save the number from which the message is received in your phone’s contacts as “AFCB Card Alerts” or something similar that you will recognize as a legitimate sender.
SMS Guardian’s incoming text messages are placed in the highest priority queue in the Fraud Center. Responses are reviewed and blocks are placed as soon as possible.
Yes, you may enable the “Do Not Disturb” option for a specific period of time (up to 12 hours) and alerts will not be sent. When the time period is over, text alerts will be sent, including any created during the “Do Not Disturb” window. “Do Not Disturb” can be enabled during the enrollment process or from your account "Preferences" tab.
Yes, a renewal notification will be sent to the device six days prior to expiration. Three renewal text message attempts will be made before the device is set to expire. If the cardholder does not respond, the device will be removed from SMS Guardian upon expiration.
No, SMS Guardian is used only to alert you about card activity and possible fraud.
Please enroll in Athens Federal Mobile Banking to manage your account from your mobile device – simply log into your online account at www.athensfederal.com >> Click Options >> Mobile Settings >> Mobile Web Settings and follow the prompts on the screen to enroll.