Mobile Fraud Alert Service

Fraud happens fast and it's not always easy to react as fast as you would like, until now. Zions Bank welcomes you to a fast, free[cite::172::cite] way to help protect yourself from potentially fraudulent card purchases through automatic alerts to many potentially fraudulent transactions.

HOW Mobile Fraud Alert Service WORKS

If Zions Bank detects something suspicious on your Zions Bank® credit or debit card, a text message is sent to your mobile phone asking if the transaction is fraudulent[cite::114::cite]. All you have to do is text back “Y” or “N.” “N” if the purchase is not fraudulent. “Y” if it is. If you text “Y” to tell us it’s not your purchase, we’ll text you a number to call to validate outstanding charges, prevent further purchases and start the process of getting you a new card — helping to protect you, your account and your peace of mind.

It’s that simple and quick. And it works with any Zions Bank® credit card or debit card.

The Mobile Fraud Alert Service Enrollment

React to fraud fast and better protect yourself, your account and your peace of mind quickly and easily. All you have to do is reply with a “Y” or a “N” to a text message. We’ll take care of the rest!

Review the steps below to see how easy it is to register and use the Mobile Fraud Alert Service. Remember to enroll each of your credit and debit card numbers separately.


Registering is quick and easy. Simply click the 'Register Now' button at the top of the page, then:

1. Enter in your mobile phone number (no dashes)
2. Confirm your mobile phone number
3. Using no spaces, enter your Zions Bank® Visa® or MasterCard® credit or debit card number
4. Click ‘Continue’

Accept the Terms and Conditions

1. Select ‘I have read and agree to the Terms and Conditions’
2. Click ‘Continue’ 

Enter Your Card Information

1. Enter the ZIP code for your card’s billing address
2. Enter the 3-digit CSV code from the back of your card
3. Enter the expiration date of your card (MMYY format)
4. Click ‘Submit’

Confirm Enrollment

1. To confirm your enrollment, respond "Y" to the text message sent to your mobile phone from 89806.

That’s it! You’re now registered to receive Mobile Fraud Alert Service from Zions Bank. And anytime we see something suspicious on your enrolled account number, we’ll text a fraud alert to your mobile phone. All you have to do is text back an “N” if the purchase is valid or a “Y” if the purchase isn’t valid. If you text “Y” to tell us it’s not your purchase, we’ll close your card immediately, order a new one and prevent any further fraud.

Need help? Call the number on the text message or the number listed on the back of your card anytime.

Frequently asked questions

Zions Bank doesn’t charge for the Mobile Fraud Alert Service. However, standard text message and data rates from your mobile phone carrier may apply. Please check with your mobile carrier to ensure that you have text messaging with your monthly mobile phone plan.

  1. Go to the online registration page anytime.
  2. Enter the requested information.
  3. Agree to the Fraud Alert Service Terms and Conditions.
  4. Select Submit.
  5. Respond with "Y" to the text message sent to your mobile phone to complete registration.

T-Mobile®, Verizon Wireless®, AT&T®, Sprint®, Boost® Mobile, Cricket® Wireless, Virgin Mobile USA, ALLTEL® Communications Inc., Interop - Appalachian Wireless, US Cellular® and Cincinnati BellSM all currently participate. (This list is current upon publication, but subject to change without notice.)

Typically, alerts arrive in a few minutes, but timing may vary based on your mobile provider and accessibility to mobile network. If a charge occurs before 9 a.m., you won’t receive a text until after 9 a.m. on that day. If a charge occurs after 8 p.m., you won’t receive a text until after 9 a.m. the following day. In some cases, your card may be blocked from being used for further transactions until you can be contacted. You can reach us 24 hours a day at 888-758-5349 if you have concerns or problems with your card.

The hours during which you’ll receive a text are 9 a.m. to 8 p.m. You will not receive a text between or be contacted between 8 p.m. and 9 a.m. This timeframe is based on the time zone of your mobile device area code. If a charge that we suspect may be fraud occurs outside of the 9 a.m. to 8 p.m. timeframe, we won’t send you a text or try to call you until after 9 a.m. the following day.

Your mobile phone may be blocked from receiving third-party text messages. Contact your carrier to see if this applies to you and ask them to remove the block from your phone.

Text messaging is required for this service. If your mobile phone can send and receive text messages, but you don’t currently subscribe to text messaging, you’ll want to contact your mobile phone carrier to have text messaging added to your mobile phone plan.

Messages can only be sent by U.S. carriers and will only be received within the U.S. If a transaction is flagged as suspicious, you’ll be sent a text message, but you may not receive it if you’re outside of the U.S. Some messages on U.S. carriers may be received while traveling; however receipt depends on your carrier's coverage area.

It’s always a good practice to inform us of your travel plans by calling 888-758-5349 prior to traveling outside of the U.S. Doing so will help avoid having legitimate charges flagged as potentially fraudulent. In some cases your card may be blocked from further transactions until you can be contacted.

No. Commands can be sent as uppercase, lowercase or a mixture of both.

No. Only one mobile phone number can be associated with each card number. However, you can associate the same phone number with more than one credit card number.

In order to receive alerts on your new number, you need to reregister your card(s) using your new phone number. Your old number will be unenrolled when you do this.

Some mobile phones can only display 160 characters per text. Longer texts require multiple messages to send the complete content of a message to these phones.

In some cases, you may receive these alerts out of order. Please be sure to wait and review all messages before responding.

You will never be asked to text your account number; personal identification, such as your birth date or Social Security number; or other personal information, such as your mother's maiden name or address to us by text. If you receive a text message asking for your account numbers or other personal information, do not respond and contact Customer Service at 800-509-0806.

Send a text that says “STOP” to 89806 or reply “STOP” to any Fraud Alert message. This will cancel any further alerts for the card number associated with the phone number where you received the text. You’ll also receive an opt-out confirmation.

No. Mobile Fraud Alert doesn’t replace Visa Card Alerts. Visa Crad Alerts let you monitor your card transactions based on your selection criteria. Mobile Fraud Alert Service notifies you when there might be suspicious activity on your account as flagged by our Fraud Detection System.

Visa Card Alerts are a one-way[cite::112::cite] text communication that sends you notifications based on criteria that you select (i.e., international transactions, online transactions, transactions above “x” dollars, etc.). They are available only with Visa credit and debit cards.

Mobile fraud alerts are a two-way[cite::113::cite] text communication generated by our internal Fraud Detection System based on what the bank sees as a possible suspicious transaction. The Mobile Fraud Alert lets you reply to the alert with a text message, which communicates with our Fraud Detection System, saving you the time of having to contact Customer Service about legitimate activity. Mobile fraud alerts are available with both Visa credit and debit cards and MasterCard® credit cards.

Mobile Fraud Alert Service can give you a higher level of possible fraud prevention and faster time-to-resolution. With Fraud Alerts, when the bank suspects fraudulent activity, your account is suspended until we confirm the activity is valid and authorized by you. This can be done quickly using Mobile Fraud Alert, which as a two-way2 text communication system sends you a text message that you can quickly respond to in order to verify a purchase as legitimate or fraudulent. It can give you faster notification and potential response time than with a phone call.

Card Alerts are a one-way[cite::112::cite] text communication that sends you notification by phone or text (based on your choice) on purchase criteria you select (i.e. international transactions, online transactions or transactions above “x” dollars, etc.) You can’t respond to a Card Alert using a text message. You have to call the bank.

Mobile Fraud Alert Service is an excellent addition to Visa Purchase Alerts and adds any activity the bank may notice in addition to the criteria you select with your Card Alerts. Additionally, they are available with both Visa and MasterCard credit cards where CardAlerts are available only with Visa cards.

Our Fraud Detection System uses multiple strategies driven by current fraud trends. We look at many variables when determining that a transaction is suspicious and potentially fraudulent (for example, the number, dollar amount and rate of transactions, merchant type and location). We also monitor prior account usage patterns, for example a transaction that is presented from a geographical location not consistent with other account transactions.

In some cases, the characteristics of multiple transactions may raise suspicion. So, the fraud alert text message you receive may ask about more than one transaction.

Yes, if we do not receive a reply text back from you within 30 minutes, we will call you at the phone number we have on file during our customer service hours of 9 a.m.–8 p.m., based on the time zone of your area code.

The alert notification system is set up to send you a text that includes the three most recent transactions on your account that have yet to post. The most recent transaction that was pending, prior to your enrollment, prompted the fraud alert message to be sent. If any of the three transactions are suspicious, please reply accordingly to the message.

Some merchants preauthorize transactions before the purchase is actually made. This is very common with pay-at-the-pump gas transactions and restaurants. In these instances, your mobile fraud alert text message is showing the preauthorization amount designated by the merchant instead of the actual transactions amount. This preauthorization amount will not be posted to your account.

If you confirm that one or more transactions are fraudulent, we’ll text you a number to call to validate outstanding charges, prevent further fraud and start the process of getting you a new card. When you receive your new card, you’ll need to reregister your mobile phone number with the new card number in order to continue receiving text messages about potential fraudulent activity on your new card number.

If your phone is no longer in your possession, register your new phone number or request to be removed from texting service until you have a new phone number. If we’re unable to contact you regarding a fraud alert by text message, or we don’t receive a response, we will try calling you at home. If we can’t reach you, your account will be closed.

Registration is a two-step process. First, go to the web site, fill out the requested information and accept the Terms and Conditions. A text message is then sent to the mobile number you registered with. You must respond "Y" to that text message to complete registration. If you don’t respond to the first text after 24 hours, a second text is sent. After an additional 24 hours, if there is still no response, the enrollment registration process is stopped.