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smsGuardian FAQs

Click on the questions below to find out more.
Yes, we do not provide full cardholder information in any of the communications. Only the last 4-digits of the card number will be provided. This service is PCI compliant.
Nothing. If no confirmed fraud response is received from a cardholder in 12 hours, the text message times out. If the cardholder does not respond to non-fraud texts, it will be considered a good transaction.
Yes, because these are two different products and it is possible that the cardholder could receive a text message and a call. The call may come from PRISM analyst. PRISM analysts will also have the ability to know when a cardholder has received a text alert on a transaction. Analysts will work the fraud case as a result of the text, hard block the card, and notify the Bank. An analyst that works the case will be able to review the card and see that the card has been blocked due to fraud and work accordingly.
The text will reference ASB followed by Guardian alert.
The text response is placed in the highest priority to the Risk Management/Fraud Department. The next available analyst will hard block the card. The analyst will go through the appropriate channels of notifying the Bank of the fraud and working the case.
Yes, a renewal notification will be sent to the device (i.e. cell phone) six days prior to the expiration. Three renewal text message attempts will be made before the device is set to expire. If the cardholder does not respond, the device will be removed from smsGuardian® upon expiration. If a cardholder renews the device multiple times, it will extend an additional year for each extra click. So if a cardholder wants to renew for 5 years, the cardholder will click the renewal button 5 times. When the cardholder clicks renew, they also have to send a message each time to the system similar to the original enrollment text message. They will give the 27576 short code to send a message similar to RENEW CWSEIA, for each time they renew. In this example they would reply to the short code 5 times.

Some mobile service providers require that we send a 30-day subscription reminder message to their customers participating in the smsGuardian® program. Cardholders will receive an alert message every 30 days reminding them of the subscription if their mobile service provider is Sprint, Nextel, Boost, or Virgin. The alert message will display as “Reminder: You have subscribed to Guardian transaction alerts for (Alden State Bank). Message and data rates may apply. Reply HELP for help. Reply STOP to cancel.”
No, Alden State Bank is assuming this cost for enrollments, editing devices or preferences, and re-enrolling in the service.
Yes, a message will be sent once the do-not-disturb window is off. If a cardholder has the do-not-disturb set from 11:00 pm to 6:00 am and one or more alerts are created during this time frame, the alert messages will be sent to the cardholder starting at 6:00 am, when the cardholder is accepting text alerts.
No, smsGuardian® is used to alert cardholders about their cardholder activity and possible fraud.
If you need help regarding the use of this service, you may reply to an alert message with the word “HELP” (without quotes) or by calling (888) 868-8611.



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