Email and Text Banking 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 accounts.

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: Let’s 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.

6 Responses to this post...

  • Shirley Bolme on Jun 16, 2014 at 1:51 pm #

    None of the information says that I can set up to receive e-mail from you when my bank statements are ready. Can this be done?


  • jlarson on Jun 16, 2014 at 3:30 pm #


    Thank you for the great question! We also have the option available to set up an email alert when a monthly online statement is available. After logging into personal online banking, go to the Mobile & Alerts tab and select “My Alerts.” The first section of the “My Alerts” page is the Account Alerts. If you select “Add New Account Alert” it will generate options. The dropdown “Alert me when” has an option that says, “Online Statement available.” You can then select the account and whether you would like the alert emailed or texted.

    As always, if you have any other questions, please stop by one of our branches, or call our Customer Service Department at 701-298-1550.

  • Shirley Bolme on Jun 17, 2014 at 9:48 am #

    Instructions did not work. Mobile and alerts tab opened a blank page.

    Please return to sending my bank statements by regular mail.

    Thank you.

  • jlarson on Jun 19, 2014 at 2:08 pm #

    We have had a few questions regarding the Mobile & Alerts tab not working for users. If your Internet Explorer recently went through an update, it can cause some viewing issues with certain areas of our online banking. Here are the steps to fix this issue:
    1. Click on the Mobile & Alerts tab. Press your ALT key and the letter “T” key to open your Tools settings.
    2. Go to the Compatibility View Settings option.
    3. You will see our web address,, in the “Add this website” field, Click on the Add button next to that box. Now click the Close button.
    (The screen may automatically refresh but if it does not, log out of your online banking and then log back on and click on the Mobile & Alerts tab again.)

    We apologize for this inconvenience. Our internet support department is working on this issue. Feel free to stop by any one of our branches and a personal banker can help you set up email and text banking alerts. Thank you for your patience.

  • ca jones on Oct 2, 2015 at 5:05 pm #

    Can I arrange to have an email sent for -every- transaction–even serviec charges, if you don’t mind.

  • Bell State Bank & Trust on Oct 6, 2015 at 1:59 pm #

    Great question. Yes, you can set up account alerts in online banking for many types of transactions including service fees. If you would like to set up an alert for all withdrawals though, go to the Mobile & Alerts tab in personal online banking. Then choose the My Alerts tab. From there you may add an alert to be sent to you when any “withdrawal is greater than” a certain dollar amount and you can set that at $1.00 if you like. You may also set up an alert for deposits coming into your account if you wish. If you would like any assistance, please call our online support team at 800-450-1529 from 7am to 11pm, 7 days a week.

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