EnFact Debit Card Fraud Protection Alerts

EnFact Debit Card Detection - learn more about alerts

EnFact, our fraud monitoring system, is constantly working to detect suspicious activity on your debit card.  When suspicious activity is detected, EnFact will contact you to verify pending transactions. This quick detection of unusual activity provides you with an extra layer of security, so you can rest assured we’ve got you covered. It's important to respond to these notifications so that we can work together to keep your accounts secure.

EnFact FAQs

What numbers will EnFact call or text me from?

Text message alerts from 20733
Automated phone calls from 
Save these numbers to your contacts so you don't miss any alerts. Make sure Horizon Bank we have your current contact information so you can be reached if fraudulent activity is suspected.

Always let Horizon Bank know when you plan to travel. This helps to avoid potential blocks on your debit card. We recommend always carrying multiple forms of payment with you just in case.


How do text alerts work?

Once enrolled, you may receive a text if unusual activity is detected on your account. The text alert will come from 20733. Simply follow the text message prompts and respond.

If you recognize the transaction, you should reply “YES” and your card would continue operating as normal.  

If you do not recognize the transaction, you should reply “NO” and your card would have a temporary hold placed.  You may be instructed to call us to further review any additional activity.

What should I do if contacted?
  • Confirm or deny transactions.
  • If transactions are legitimate your card will be cleared and the transaction will be processed.
  • If transactions are fraud, you will be asked to contact your local branch to start the dispute process.
What kind of activity might be considered suspicious?
  • Your card was used to make a purchase out-of-state (be sure to tell us if you're traveling, so we can flag your card.)
  • Your card was used to make a transaction with a larger dollar amount, or a series of larger dollar amounts, than you typically spend.
  • Your card was used to make a purchase at a store you haven't frequented or visited in the past.
  • Your card was used out-of-state or at a retailer you don't frequent and your PIN number was entered wrong.
  • Keep in mind that you may not receive a call each time you find yourself in one of these situations. EnFact predicts the probability of fraud  by comparing current transactions to current fraud trends, and reaches out when something seems suspicious.
Your Enfact Enrollment Text

Your new Horizon Bank Debit card comes with the option for turning on text alerts to notify you if suspicious activity is detected on your account. Shortly after receiving your Horizon Bank Debit card, you will receive an activation text message.  The text alert will come from 20733. Simply reply YES to enroll in EnFact.

What questions will be asked?

In order to identify yourself, you will be asked some basic information.

You may be asked things like:

1.         Your Name
2.         The last 4 Digits of your Social Security Number  (but never your full SSN)
3.         A case number

Here are items you would NEVER be asked to provide and would be a sign of a fraudulent caller.
1.         Your full card number information, including the 3 digit code from the back of the card
2.         Your Personal Identification Number (PIN) information
3.         Your full Social Security Number
4.         Any secret password information

Contact your local branch or call customer service at 888-873-2640 if you want to enroll.

Receive text message to protect your debit card from fraud with Enfact