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Introducing smsGuardian at Covenant Bank

Identity Theft is one of the fastest growing crimes in the world.  Do you know that fraudulent use of your Debit Card can drain your account in real time?  Scary isn't it?  It's a fact that debit cards offer less security than credit cards, but we're happy to announce a new service available to our customers that may help prevent fraudulent activity, smsGuardian.  This service is tied to your debit card and will alert you via text of any suspcious or out of the norm transactions.*

Features of smsGuardian

You can receive text messages* when your Debit Card:

  • Purchase is greater than $500
  • Is used outside your home State                             
  • Is used outside the United States                            
  • Is used at a gas station                          
  • Is used but not swiped (online purchases)
  • If used more than 6 times within a 24 hour period
  • Is declined for any reason

If a transaction is legitimate, you can simply ignore the message. If the transaction is fraudulent, you can reply to the smsGuardian text with the code that you received and your Debit Card will be blocked from further use.

Signing up for smsGuardian

Simply click the "Register" icon on this page. It will direct you to an enrollment page. When you provide the necessary information and authorize us to activate the service, we will activate smsGuardian.  Enrollment lasts for one year - at the end of one year you will receive texts to re-enroll.


You may discontinue the receipt of smsGuardian Alerts immediately by texting the word STOP in reply to a Guardian Alert.  A duplicate alert could also be sent from our internal Fraud Support Group if we suspect unusual activity.  Fraud alerts are required whereas smsGuardian is optional.

*Message and Data Rates May Apply. 


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