SMS Guardian | Mutual Security Credit Union

Control your account in real-time.

With smsGuardian™ service* you’ll receive real-time account and debit card alerts directly via text message. The alerts serve as an early warning system for potential fraudulent activity and help you better manage and track your spending.

Young female checking account via mobile phone

How it Works

Real-time text alerts from smsGuardian™ provide account and debit card transaction information. If you identify unauthorized activity, the information is immediately sent to a fraud analyst who will block your card, to prevent additional unauthorized charges, and follow-up with you.

You’ll receive notifications for:

Purchases above $300
International transactions
Out-of-state transactions
Declined transactions

*While MSCU does not charge you to use our smsGuardian™ service, standard text message rates may apply. Please check with your service provider and plan for your text message rates. MSCU Cardholders are responsible for reporting any suspicious or fraudulent activity to the Credit Union. If you have a lost, stolen, or replacement debit card, you will need to enroll your new card in smsGuardian™. Enrollments are effective and applicable for a period of one year. You will be notified prior to expiration of your smsGuardian™ account and may text a reply to renew.

smsGuardian™

Real-time text alerts to monitor your account and debit card activity.

Control your account in real-time.

How it Works

Take the Next Step to Protect Your Account.