EnFact Debit Card Fraud Protection

Once enrolled, you may receive a text if unusual activity is detected on your account. The text alert will come from 37268. 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.

Text message alerts from 37268
Automated phone calls from 877-337-6075

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.

• 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.

• 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.