Credit & Debit Cards
A text message and/or pre-recorded voice call may be sent to your mobile device when there is a suspicious transaction(s) identified. Simply reply to the text to confirm whether you recognize the transaction(s). If you do not recognize the transaction(s), you will receive a text asking you to call 888-918-7313 for further assistance. There will be a block placed on your card to protect you from further fraud until you call us. If you reply to the text that you recognize the transaction(s), your card will remain available for use.
If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted to your mobile device and home number listed on your account. If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presented during the call. An email will also be sent to the address on file to confirm transactions on the account. You can also call us at any time to validate the transactions or if you have any concerns about the message you received.
SMS stands for Short Message Service and is also commonly referred to as a “text message.” With an SMS, you can send a message of up to 160 characters to another device. Longer messages will automatically be split up into several parts. Most mobile phones support this type of text messaging.
There’s no cost to use the automated fraud alerts service. Southeast Financial pays for all costs associated with sending and delivering the SMS fraud alert messages to your mobile device. This service is provided to you free of charge.
Yes! Your security is our priority! Our fraud alert messages will simply ask you to reply Y or N to confirm charges. We will never ask for your account number, card number, PIN number, or any other personal information via
text message. If you ever receive a text message asking for any personal or identifying information, please do not respond. Call Southeast Financial at 800-521-9653 immediately to report the fraudulent text message.
Falcon Credit & Debit Card Fraud Monitoring
No. Falcon monitors all Southeast Financial credit and debit cards for fraudulent activity. No enrollment is required.
No. All Southeast Financial credit and debit cards are covered by this service at no cost to the cardholder.
Visa Purchase Alerts
The advantages of Purchase Alerts are that they:
- Let you monitor your card's signature-based purchase transactions in near-real-time
- Offer you peace of mind by providing timely information that helps you monitor your Visa card for suspicious activity.
- Give you a tool to help you manage your money.
You can enroll in Purchase Alerts at no charge from Southeast Financial. Standard mobile text and data charges apply for SMS alerts.
- Threshold transaction: An alert is sent if a purchase amount is greater than a preset dollar amount.
- Card-not-present transaction: An alert is sent if a purchase is made without having to physically present the card at the point of sale, such as when a purchase is made online or by phone.
- International transaction: An alert is sent if a purchase is made outside the country that issued the Visa card.
- Gasoline transaction: An alert is sent if a purchase is made at a gas station (i.e., fuel, car wash)
- Declined transaction: An alert is sent if a purchase is made and subsequently declined for any reason.
EMV Chip Cards
You don't need to do anything to upgrade to an EMV credit or debit card.
All non-chip debit cards were reissued with new debit cards containing the EMV chip in early 2016.
All non-chip credit cards will be replaced with credit cards containing the EMV chip as they expire.
If you have a Visa Credit Card, you may request a new card before your current card expires, but you'll need to pay a $10 reissue fee. Otherwise, you'll receive your new card shortly before your existing card expires.
Because your new card will have a new card number, you'll need to call the PIN change line, 1-866-985-2273, to set up your PIN. You may use the same PIN as you used previously with your old card or pick a new one. The choice is yours, but it's important that you call to set it up in order to use your card when a PIN is required.
Using your EMV Chip card takes 3 simple steps:
- Insert your card into the bottom of the card reader.
- Follow the on-screen instructions to complete your transaction.
- Remove your card from the card reader when prompted.
EMV cards store payment information in a secure chip rather than on a magnetic stripe, and the personalization of EMV cards is done using issuer-specific keys. Unlike a magnetic stripe card, it is virtually impossible to create a counterfeit EMV card that can be used to conduct an EMV payment transaction successfully.
EMV has been implemented in more than 80 countries around the world, with approximately 1.5 billion EMV cards issued globally and 21.9 million POS terminals accepting EMV cards at the end of 2011. The U.S. payments infrastructure is now moving to EMV with incentives and requirements for issuers, acquirers/processors and merchants to adopt EMV.
The United States is one of the last countries to migrate to EMV. In 2011 and 2012, American Express, Discover, MasterCard and Visa all announced their plans for moving to an EMV-based payments infrastructure in the U.S.