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Advice

Hand holding a cell phone showing Horizon Bank fraud alert text

Spot Potential Fraud with 24/7 Text Alerts

We are continually building and refining our technology to stay ahead of financial scams, and in this current climate we need to be particularly careful. We are now  providing additional protection for your debit card with our fraud detection program called EnFact, so that you can spot potential fraud with 24/7 text alerts.
 

Through EnFact we now offer our debit cardholders real time text alerts for potentially fraudulent charges.  This quick detection of unusual debit card transactions provides you with an extra layer of account security, so you can rest assured that we’ve got you covered.
 

How does it work?

If a charge on your account seems suspicious, our system sends a text message with details about the suspected transaction.  Simply respond YES to confirm the transaction, or NO to flag it. If it’s flagged as a fraudulent charge, you’ll receive another message for follow-up. 
 

What happens if it is discovered that my card information actually has been compromised?

In the event that you confirm fraud has taken place, your card will be blocked or restricted to prevent additional fraudulent transactions from posting, and Horizon Bank will cancel your card.
 

From there, you'll need to contact EnFact at 844-682-4502 to verify that no fraudulent transactions have cleared your account. If fraudulent transactions have cleared, you will be asked to fill out a fraud form. Horizon is able to print you a new debit card.

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