There are many benefits of opting into fraud alerts. With alerts turned ON: A suspicious transaction will be blocked. ​ You get notified right away via text. If it’s your transaction, reply “Yes” and you can try the transaction again. ​ If you reply “No,” we’ll immediately lock your card to protect your account. If you previously opted out of alerts, you need to opt in to receive fraud alerts. Be sure to verify the phone number we have for you on your record is a valid mobile number that can receive text messages.