Available Criteria for Purchase Alerts Notifications
Select from available criteria and decide what activity you want to receive alerts on. Plus, choose how to receive Purchase Alerts — as text messages (SMS) and/or as email messages.
- Gas station and convenience store charges — it's not uncommon for lost or stolen cards to be used at gas stations as a means of quickly accessing an account
- Declined transactions
- Transactions in other countries
- Online, phone or mail purchases (known as "card not present" purchases)
- Purchases that exceed an amount you determine
Enrolling is Easy
- Log in to your Online Banking account
- Select "Purchase Alerts" under the Services tab
- Follow the online instructions
Learn More About Purchase Alerts
See frequently asked questions below for details and answers to common questions.
Learn More About Mobile Card Fraud Alert Service
Mobile Card Fraud Alert Service[cite::103::cite] is a free service that complements Purchase Alerts. It automatically sends you a text when something suspicious is detected on your Visa or MasterCard® credit or debit card. React to fraud fast and close your account if needed.
Frequently Asked Questions
Purchase Alerts are messages sent to your email or mobile phone to help you manage and track your signature-based Visa® credit and/or debit card transactions. Alerts provide near real-time[cite::112::cite] notification of transaction activity based on your alert settings. You select from preset alerts and specify the settings for the alerts you want to receive (for example, the option to be notified when a transaction exceeds a specific value). Information in the alert includes the amount of the transaction, the merchant name and location (if available), and the last 4 digits of the Visa card used. Alerts can be sent to an e-mail address or to a mobile phone as an SMS text message.
No. Mobile Card Fraud Alert Service doesn’t replace Visa Purchase Alerts. Purchase Alerts let you monitor your card transactions based on your selected criteria. Mobile Card Fraud Alert Service notifies you when there might be suspicious activity on your account as flagged by our Fraud Detection System.
Visa Purchase 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’re available only with Visa credit and debit cards.
Mobile Fraud Alert is 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 Card 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 activity. Mobile Fraud Alerts are available with both Visa and MasterCard® credit and debit cards.
Mobile Card Fraud Alert Service gives you a higher level of 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 Card Fraud Alert Service, which as a two-way[cite::113::cite] text communication system sends you a text that you can quickly respond to in order to verify a purchase as legitimate or fraudulent. It gives you faster notification and potential response time than with a phone call.
Purchase 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 Purchase Alert using a text message. You have to call the bank.
Fraud Alerts are an excellent addition to Visa Purchase Alerts and add any activity the bank may notice in addition to the criteria you select with your Purchase Alerts. Additionally, they are available with both Visa and MasterCard credit cards where Purchase Alerts are available only with Visa cards.
The benefits of Purchase Alerts are that they:
- Let you monitor your card's signature-based purchase transactions in near-real-time[cite::113::cite].
- Offer you peace of mind by providing timely information that helps you monitor your Visa card for suspicious activity.
- Give you a tool to help you manage your money.
You can enroll most Visa credit and debit cards[cite::118::cite]. For debit cards, Purchase Alerts are not available for purchases that require a PIN. You can enroll your card if you’re sharing an account; the primary account holder on the card designates the Purchase Alert settings. Purchase Alerts are available for business credit cards as well. Note: Purchase Alerts are not available on business purchasing cards or commercial cards at this time.
Yes. Purchase Alerts can be sent to up to two cardholders on the same account. One cardholder receives an SMS message and one cardholder receives the e-mail alert message. The primary account holder designates the mobile number that receives the SMS message alert and the e-mail account that receives the e-mail alert.
Yes. Two debit cardholders who share the same account can each receive Purchase Alerts. Each cardholder logs in to their Zions® Online Banking account to enroll in Purchase Alerts, customize their Purchase Alert choices and designate if they wants to receive SMS alert or e-mail messages.
Yes3. Purchase Alerts can be sent to business cardholders with the exception of purchase cards and commercial cards. Only the company system administrator (CSA), however, can set up or manage Purchase Alerts. The CSA can set up and manage Purchase Alerts by logging in to Online Banking.
The following alerts are available:
- Threshold transaction: An alert is sent if a purchase amount is greater than a preset dollar amount.
- Card-not-present transaction: An alert is sent if a purchase is made without having to physically present the card at the point of sale, such as when a purchase is made online or by phone.
- International transaction: An alert is sent if a purchase is made outside the country that issued the Visa card.
- Gasoline transaction: An alert is sent if a purchase is made at a gas station (i.e., fuel, car wash)
- Declined transaction: An alert is sent if a purchase is made and subsequently declined for any reason.
Step-by-step instructions for enrolling in Purchase Alert are:
- Log in to your Online Banking account
- Navigate to the Services tab (for consumer accounts)
- Select Purchase Alerts
- Select the card(s) for which you want to set up alerts
- Review enrollment information and accept the Terms and Conditions
- Enter the mobile number and/or email address where you want to receive alerts
- Select the alert options you want to receive
- Click "Save updates" to save your settings
Yes. You can change the threshold transaction amount at any time by following these steps:
- Log in to your Online Banking account
- Select the Services Tab
- Select Purchase Alerts
- Select the card(s) you want to customize the threshold transaction amount for
- Customize the threshold transaction amount in the transaction amount window
- Click "Save updates" to save your settings
For email alert messages, you receive an email in your email inbox.
SMS alert messages are handled by your mobile phone in the same way as any other message that is received while you’re on a call: it will trigger the handset setting that you have set up (i.e., tone, vibration or other related features). Your call shouldn’t be interrupted.
In the US, you can receive Purchase Alerts on your mobile phone as long as your mobile carrier supports the service, you have a wireless service plan that allows for the receipt of text messages and you have adequate wireless data service coverage in your area at the time the alert is being delivered to your mobile phone. Mobile carriers supporting the service include, without limitation, Verizon Wireless, AT&T Wireless, Sprint and T-Mobile USA. If you have a different mobile carrier, or are unsure of the details of your wireless service, ask your mobile carrier for information.
Depending on your wireless service plan, standard text messaging rates from your mobile carrier may apply to SMS alert messages. You should consult your plan. If you have any questions about whether you’re charged for standard text messages, please contact your mobile carrier's Customer Service department.
Go to the alerts web site and register your new phone number. You’ll be sent a validation code via SMS message. You’ll need to enter this validation code on the alerts web site. After successfully validating your new mobile phone number, all existing triggers will apply, and you’ll continue to receive alerts as before.
If you change your mobile phone number, you’ll need to go to the mobile/email preference page of the alerts web site and register the new number. You’ll be sent a validation code via SMS message. You’ll need to enter this validation code on the alerts web site. After successfully validating your new mobile phone number, all existing triggers will apply and you’ll continue to receive alerts as before.
If you change mobile carriers, but keep your mobile phone number, you still have to confirm that you want to continue receiving alerts via SMS. You’ll be prompted via SMS message to confirm that you want to continue receiving alerts on that phone number under the new carrier. If you respond “yes” to the text message, alerts will continue to be sent to your mobile phone. Otherwise, you’ll need to visit the mobile/email preferences page to update your mobile phone number. You must complete the process of receiving a validation code via SMS message and entering it on the alerts web site to confirm the new carrier and continue to receive alerts.
Yes. Simply add the authorized user’s mobile phone number and email address when you register as the primary cardholder. Note: If you remove the authorized user from your account after you’ve registered him/her for alerts, deleting his/her information from the registration page will stop him/her from continuing to receive alerts.
No. You receive only one alert per transaction based on the alert type priority:
- Declined transaction
- Gasoline purchase transaction
- International transaction
- Card not present transaction
- Threshold transaction
Yes, you can have email alert messages delivered to your mobile phone, but only if:
- You choose to receive email alert messages and provide a valid email address during the enrollment process
- You own a mobile phone that is able to receive email messages
If you’ve enrolled for the Purchase Alerts via email, the alerts service gives you the flexibility to customize email alert messages and:
- Choose “HTML” to receive emails with formatted text and graphics
- Choose “rich text” to receive emails with formatted text but no graphics
- Choose “plain text” to receive emails in plain text only, (no formatting or graphics)
If you’ve only enrolled for the Purchase Alerts via SMS messages, you don't need to worry about email formats, as your bank will not send you alerts via email.
To opt-out of receiving alerts at any time, take one of the following actions:
- Uncheck all the boxes on the Manage Alerts page of the alerts web site. You’ll still be enrolled in the service, but won’t receive alerts. If you want to start receiving alerts again, simply return to the alerts web site and select your options.
- Opt out of the service using the Opt-Out page of the alerts web site. You’ll stop receiving alerts and be officially unenrolled from the service. If you want to start receiving alerts again, you’ll need to re-enroll.
Check to see if the unfamiliar transaction is one of the following:
- A large purchase that was divided into smaller transactions.
- An aggregated charge (several small purchases combined into one, such as buying several $0.99 songs online).
- A purchase initiated by an authorized cardholder who has the same Visa card number.
- An authorization charge from a restaurant or hotel.
If you still can't identify the transaction, call the number on the back of your Visa card to report the activity as quickly as possible.
This rarely occurs, but can happen if a merchant:
- Is a portal, meaning the merchant sells merchandise from other merchants (i.e., Amazon.com). If you purchased multiple items, each merchant may charge separately for its portion.
- Bills taxes separately from the total sale, as airlines often do.
- Has to resend the transaction information to Visa because the initial authorization expired.
- Requests an initial authorization amount of $1 or some other small amount to verify that your account is valid.
If you experience this problem repeatedly, call the number on the back of your Visa card.
Occasionally an alert is delayed if a merchant doesn't immediately submit your transaction information to Visa for processing. The merchant may be waiting until your order ships to do so or may not have immediate access to a power source for transmitting data.
Certain transactions may trigger an initial authorization amount of $1 or some other small amount to verify that your Visa card is valid. You’ll probably receive a second alert for the actual purchase amount when you submit your online purchase. Note that you will only be charged for the actual amount of your purchase.
Some online merchants may request an initial authorization amount of $1 or some other small amount to verify that your account is valid. Alerts are triggered based on the initial authorization amount, so in this case you will probably receive a second alert for the actual purchase amount when the merchant submits your online purchase. Note that you’ll only be charged for the actual amount of your purchase.
Alerts are not sent if the:
- Dollar amount of your transaction is lower than the amount you specified for your alerts.
- Merchant processes transactions through the bank's system instead of Visa's system.
- Merchant hasn’t yet submitted the transaction information to Visa.
- Your mobile carrier drops the message.
- Your mobile phone remains out of the coverage area at the time Visa pushes out the alert and the phone remains out of coverage for a period of time after that.
- Your mobile carrier blocks the SMS messages, or your phone plan doesn’t include SMS message service.
Some businesses, such as restaurants, hotels and rental car companies, send an estimated transaction amount to Visa for an initial authorization. If the estimated amount meets the transaction amount threshold that you’ve set up, Visa sends you an alert to let you know that your card has been used without specifying the amount.