Text message alerts: If our system detects unusual activity on your card, you will receive a text message with details about the suspected transaction. Legitimate EnFact text alerts will never include a link.
Do not click on any link in a text message claiming to be from EnFact. Authentic alerts will describe the suspicious transaction and ask you to reply directly with options such as “yes,” “no,” “help,” or “stop.”
EnFact alerts will always come from a 5-digit short code, not from a standard 10-digit phone number.
You will also receive a phone call, which is generated from random numbers. Make sure Horizon Bank has 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.
We may be call you:
If we suspect fraudulent activity on your debit card and cannot reach you by text, a Horizon Bank Fraud Detection advisor may call to verify your recent transactions. Your prompt response is important to help prevent potential fraud and avoid any restrictions on your card.
Our automated call system may ask you to confirm your identity and enter your 5-digit ZIP code using your phone keypad. You will not be asked to provide sensitive personal information.
If you indicate that a transaction is fraudulent, your call may be transferred to a representative who will ask additional questions to verify your identity before reviewing your transactions. You will also be given a toll-free number if you need further assistance.
To ensure we can contact you quickly if suspicious activity occurs, please keep your phone numbers (mobile, home, and work) and mailing address up to date.
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