Text Banking and Email Alerts Can Help Prevent Fraud

By Renee Tangen, Deposit Services Manager, Bell State Bank & Trust

You can take steps to help reduce the risk of fraud. Signing up for text banking alerts through Bell State Bank & Trust is one way to help catch a fraudster. Text banking allows you to receive quick account updates by text message. Another way to track your account activity is by signing up for email alerts.

With Mobile Text Banking, you can:

  • Check balances
  • Transfer funds
  • See your transaction history
  • Receive alerts for situations such as posted overdrafts or low balance

For more information, read our Frequently Asked Questions (FAQ) page.

If Fraudulent Activity Appears on Your Account

If fraudulent activity appears on your account, you will receive a call from our fraud detection department. If we can’t get a hold of you, our fraud department will leave you a message. In the time that this voicemail is left for you, more fraudulent charges could occur. The fastest way to know if you are a victim of fraud is to have text message or email alerts set up on your account(s).

Set Up Text Message and Email Alerts

You are able to set up a text message and/or email alert for each of your accounts in Personal Online Banking, found on our website: www.bellbanks.com. Lets say you set up a mobile text alert if your account has a withdrawal more than $100. Anytime a purchase of $100 goes through, you will receive a mobile text alert to notify you of this purchase. If a fraudster steals your debit card information, goes online, and buys something for $500, you will receive a text message directly after the purchase to notify you of this. You could immediately call our Customer Service Call Center at 701.298.1550. We would then block your debit card, unless our fraud detection center had already done so.

Set Up Alerts Now!

Log in to Personal Online Banking and select the Mobile & Alerts tab and enroll your mobile phone number. Follow these simple steps:

  1. Click on “Add New Mobile Phone.”
  2. Select “Text banking.” If you would like to sign up for other services, you can do that from here too. Click “Continue.”
  3. Enter your mobile phone number. Click “Continue.”
  4. You will be sent an activation code by text message to your phone. Enter this in the “Activation Code” box and click “Activate.”
  5.  You are enrolled and you’re ready to start banking from your cell phone! Please see quick codes below.

Statistics show about 50% of fraud is found by the cardholder. Signing up for mobile text and/or email alerts could help you possibly catch a fraudster.

Message and data rates may apply for mobile text banking. To get help, send a text message that says HELP to 46728. To stop receiving messages, send a text message that says STOP to 46728.

2 Responses to this post...

  • Carol A. Beede on Sep 4, 2011 at 2:47 pm #

    I have been text banking on my cell ever since it started and all of a sudden I cannot get into my account. Has there been changes I am not aware of? I keep getting error #728 -invalid number, please us 10 digit mobile number or valid short code.

  • Bell State Bank & Trust on Sep 6, 2011 at 10:06 am #

    Carol, please give our personal internet banking support team a call at 701.298.1539 and we would be happy to help you with your text banking issue. In order to fully fix the problem, we need to speak with you. Thanks.

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