Debit Card Fraud Alerts: What to Expect
One of the most common questions we hear from members is about fraud alerts—especially when a debit card suddenly stops working after responding to a message asking, “Did you make this purchase?”
Here’s a simple breakdown of what’s happening, why it matters, and what comes next.
Why You May Receive a Fraud Alert
Our fraud monitoring system watches for transactions that don’t match your normal spending patterns, such as:
Unusual locations
Large or unexpected purchases
Rapid or repeated activity
When something looks off, you’ll receive a message asking you to confirm whether you made the transaction. This added step helps stop potential fraud early.
What Happens If You Reply “No”
If you respond that you did not make the transaction, the following happens automatically:
Your debit card is shut down right away
This helps prevent any additional questionable transactions
A replacement debit card is issued immediately
The new card is mailed to the address on file
Delivery typically takes 5–7 business days
This process helps limit further disruption and stops fraud from continuing.
Need a Card Faster? Instant Printing Is Available
If you’re traveling, have an upcoming event, or need a debit card right away, instant card printing is available at every Signet branch.
With in-branch card printing:
You leave with a working debit card the same day
Your card includes contactless (tap-to-pay) functionality
Some fees may apply
Our team can help you decide the best option based on your situation.
Why Fraud Alerts Matter
Fraud alerts are designed to help:
Add an extra layer of protection to your account
Stop fraud quickly if it occurs
Protect both members and the credit union from fraudulent activity
Think of them as a quick check-in that helps keep everything running smoothly.
We’re Here to Help
If you ever have questions about a fraud alert, card replacement, or next steps, our team is happy to help—whether in person, by phone, or through digital banking.
At Signet Federal Credit Union, our goal is to keep things simple, clear, and member-focused.
Debit Card Fraud Alerts: Frequently Asked Questions
Why did I receive a fraud alert?
Fraud alerts are triggered when a transaction doesn’t match your typical spending patterns, such as location, amount, or activity.
What happens if I reply “Yes”?
If you confirm the transaction was yours, your card stays active and no further action is needed.
What happens if I reply “No”?
Your debit card is shut down immediately
Additional questionable transactions are blocked
A replacement card is issued right away
The new card is mailed to the address on file
Delivery usually takes 5–7 business days
Will my card stop working right away?
Yes. Once you reply “No,” your card stops working immediately to prevent further activity.
What if I need a new card the same day?
Instant debit card printing is available at every Signet branch.
Same-day working card
Contactless (tap-to-pay) included
Some fees may apply
Can I still access my account while waiting for my new card?
Yes. Your account remains active, and you can continue using online and mobile banking.
What should I do if I’m unsure how to respond to a fraud alert?
Contact your local branch or reach out through digital banking. Our team will walk you through the next steps.
Can fraud alerts be avoided?
Not always, but keeping your contact information up to date and notifying us of travel plans can help reduce unnecessary alerts.