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Text Fraud Alerts

Get Alerts to Detect Fraud!

Text Fraud Alerts is a free service that helps protect you by immediately alerting you of potential fraud on your Texas Bay Mastercard® Debit Card through real-time engagement.

How It Works

It’s simple.  A text message will be sent to your mobile phone when there is a suspicious transaction identified on your Texas Bay Mastercard® Debit Card.

  • You simply reply “Yes” or “No”
  • If you text “Yes”, your card will remain available for use.
  • If you text “No” to tell us it’s not your purchase, we will text you a number to call or you may call Texas Bay anytime at 877-253-8964 to validate outstanding charges, prevent any further fraud, and start the process of getting you a new card.

If we do not hear from you, we’ll attempt to verify the transaction by phone.

Enjoy the Benefits

  • Text Fraud Alerts makes it faster and easier to detect fraud on your card.
  • Minimizes fraud exposure window.
  • This fraud protection service is completely FREE to you!

SMS text is free to members with mobile service. Other usage costs may apply based on your wireless carrier.

Get Started

All Texas Bay Debit Card accounts are automatically enrolled in Text Fraud Alerts. You will receive an introductory text message that offers the opportunity to opt-in to future alerts of fraudulent transactions occurring on your account.

Please make sure your mobile phone number and email address are up-to-date at Texas Bay. To submit a new mobile phone number or email address, please log into Texas Bay Online Banking and update your information today.

How to Update Your Mobile Phone Number & Email

  1. Go to TexasBayCU.org and log into online banking
  2. Select the Account Services tab at the top
  3. Select My Profile to change or add phone numbers and emails
  4. For the mobile phone number, be sure to check “Can receive text messages”
  5. You will be required to enter your password to confirm

If you enrolled but decide to opt out, please contact us by phone or visit any branch location.


Please remember, Texas Bay Credit Union employees will not ask you for personal information in an email or text message (SMS) and will not initiate a call to you on the phone requesting personal information (member number, account numbers, credit card number, or debit card number, etc.) without you contacting us first for service.

Be vigilant and avoid Fraud!