Tools For Fraud Prevention

Preventing fraud on your accounts.

F&A is committed to your account safety and we have a collection of tools designed to prevent fraud. Learn more about each one.

Card Lock 

This program lets you use your mobile device or computer to switch your F&A credit or debit cards off and on as needed. It’s great for fraud prevention and puts your mind at ease if you temporarily misplace your card. For details, go to

Real Time Alerts1 

This service sends a text message to your phone seconds after purchases. It can help you to identify unauthorized charges fast and is available on both F&A debit and credit cards. Plus it’s easy to enroll through Online Banking.

EMV Chips

All F&A debit and credit cards contain anti-fraud EMV chip technology. The embedded chip creates a single-use code that helps reduce fraud and makes card counterfeiting much more difficult.

Virtual Card2

Receive a separate virtual card number, expiration date and CVV security code, all tied to your existing F&A credit or debit card account. Register your virtual card with merchants who charge your card automatically – if your physical card is lost or stolen, your automatic payments won’t be affected. To get your Virtual Card, just contact us.

Fraud Center

The telephone number for the Fraud Center is 800-417-4592. Be sure to add it to your phone’s contacts, so if you get a call from this number, you know it’s from the Fraud Center.

Learn more about our fraud prevention tools at in the Fraud & ID Theft section under About, or call 800-222-1226.

1The authorized amount may vary at restaurants and gas stations depending on the amount they put through for the authorization. F&A does not charge a fee for this service. Real Time Alerts are sent to you as a text message and standard text messaging rates apply. Check with your wireless carrier. Authorizations will be sent to you as they are received by F&A, which can be any time during the day or night, and may be dependent on your service availability. F&A is not responsible for an alert not being sent or received. You may also cancel whenever you choose. You must be joint/co-borrower to link a card.

2Note: we have experienced issues with using Virtual Cards at State Farm and Spectrum. Recurring payments may need to be kept on your physical card for some merchants.