SecurLOCK

A simple way to protect your card from fraud

We want you to use your 7 17 Visa® Credit Card with confidence, so we automatically provide SecurLOCK Fraud Alerts as a free service with our credit card. It's an efficient system that sends you a text message anytime a suspicious purchase is detected, whether you're using your card in Ohio or anywhere beyond.

We only ask you to verify if you made the purchase, and we will not ask for account or personal information. You'll receive a real-time, two-way SMS text for quicker fraud identification and prevention. Text messages will display a sender number of 328-74 and 7 17 Credit Union’s name (i.e. 7 17 CU).

If no text response is received after 30 minutes, an interactive voice notification will be sent. Members will be contacted by phone based on the cardholder numbers on file to include, mobile, home, and business.

Reminder: 7 17 will ONLY ask members to verify if they did make the purchase(s) or not, we will not ask for account or personal information.

Here's an example of how it works:

EXAMPLE Text Alert
Free Msg: 7 17 CU Fraud Dept: Suspicious txn on acct 1111: $209.99 WALMART. If authorized reply YES, otherwise NO. To Opt Out reply STOP.

If you respond “YES”
Free Msg: 7 17 CU Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.

If you respond “NO”
Free Msg: 7 17 CU Fraud Dept: Thank you for confirming this activity. We will call you or you can call us anytime at 800-369-4887. To Opt Out reply STOP.

If you respond “HELP”
Free Msg: 7 17 CU Fraud Dept: Received your msg. It is important we talk to you. Please call 800-369-4887 ASAP. To Opt Out reply STOP.

If you respond “STOP”
You will be opted–out of receiving fraud alerts.
 

FAQs

If I receive an alert, does that automatically block my account from further purchases?
The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

If I respond back that the transaction(s) are valid, will you automatically unblock my account?
Yes, though please keep in mind that it could take 5-10 minutes for a block to be removed in some situations.

If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?
Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5-10 minutes of the initial call or text to validate the transaction.

What if my “yes” or “no” text response has a typo?
The system will accept many common typo variations of the “yes" or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

Please note that text messages will be sent to members between 7 a.m. and 10 p.m. in the cardholder’s time zone; Calls will be made to members between 8 a.m. and 9 p.m. in the cardholder’s time zone.