HVSB Fraud Protection Information

Keeping your accounts and information secure and confidential is one of Huron Valley State Bank’s important responsibilities. In our continuing efforts to keep your debit and credit card protected we have an alert system available.

Debit Card Protection

Your debit card has a system in place to alert you of potential fraud. When something suspicious is detected, you will receive an automatic email notification, with the option to reply with "fraud" or "no fraud" through a secured link. One minute after the email, you will receive a text alert, which also has the "fraud" or "no fraud" option. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. If you confirm fraud, you will be connected to a fraud analyst.

It is important that we have your current email address and cell phone number on file. The next time you are at the bank, please verify your contact information with us.

Also, there is an additional level of security available to you through our free Guardian SMS text alert program for your debit card. If you are enrolled, you will receive an alert after the following activity:

  • Purchases greater than $300
  • Purchases that occur out of state
  • 5 or more transactions in 24 hours
  • Fuel or service station transactions

If the transaction is legitimate, you need not reply. If it is fraudulent, you may reply by text and your card will be blocked from further activity. To enroll in this additional layer of fraud detection go to https://www.cardguardian.com/CardGuardian/signon.do?fid=FF

You will need to provide your card number, last four digits of social security number and zip code. Then you will be asked to send a text message from your phone to opt-in to the service. This opt-in is a crucial part of the process to communicate to the fraud center that you wish to receive alerts.

You may discontinue the receipt of Alerts by texting the word STOP in reply to a Guardian Alert.

*Message and data rates may apply.

Credit Card

There is also a text alert program for your Huron Valley State Bank credit card. By signing in to your account and providing your mobile number, it will automatically setup the fraud alerts.

Upon a suspicious transaction, Elan can send a text message to the mobile device asking if the transaction is legitimate while placing a temporary block on the card.

As a card member, you can then reply yes or no. If it is legitimate the block is immediately removed and you can continue to use your card.

To do this click here

  1. Login to your account
  2. Click on profile
  3. Select update contact information
  4. Answer the security question
  5. Verify the information
  6. Enter your mobile number
  7. Select as the "preferred method"
  8. Review the information for accuracy
  9. Submit

You can also setup various alerts through the alerts feature. These include:

  • Online statement available
  • Balance exceeds a certain amount
  • Payment is due
  • Payment is posted
  • Payment is overdue
  • A credit is posted
  • A debit is posted


*Message and data rates may apply.