In addition to fee-free banking, we know one of the biggest reasons our members choose Amplify is our commitment to member security. In this article, we will share important information about our fraud monitoring system and how you can work with Amplify to keep your debit card safe.

Key Takeaways:

• Amplify has fraud alerts on potentially fraudulent debit card transactions.
• If we detect suspected fraud, we will notify you right away by email, followed by a text message and a phone call. 
• In cases of suspected fraud, your card may be restricted, and your transaction denied.

Why did I receive a notification about my debit card?

To better protect our cardholders, Amplify has enhanced its fraud prevention controls. If a transaction on your debit card appears potentially suspicious, you may receive a notification asking you to confirm the transaction is authorized.

What factors can lead to a charge being identified as fraud?

• Outside your normal geographical region
• Outside normal spending habits
• Foreign Merchants
• High Risk Merchants

What will these notifications look like?

Our fraud monitoring team begins outreach as soon as a potentially fraudulent transaction is identified. In some cases, your debit card may be temporarily restricted, and the transaction may be declined to prevent further unauthorized activity. In all cases, please contact our fraud team to confirm or deny the charges. 

Notifications are initiated 24/7, beginning with an email. If no response is received, outreach will escalate as outlined below:  

• Email Notification
  • Email will be sent 24 hours a day.
  • From:  noreply@enfactnotifications.com
  • Subject: Fraud Notification on your Amplify Credit Union Debit card
• SMS Text Message
  • SMS messages will be sent between 8:00 AM and 9:00 PM CST based on the area code of the number on file.
• Voice Call
  • Voice calls will be sent between 8:00 AM and 9:00 PM CST based on the area code of the number on file.

Travel-Related Debit Card Restrictions

If you are already traveling outside your normal geographical region and have not provided Amplify with a travel notification, your debit card may be temporarily restricted to help prevent fraud. If you do not have international calling enabled, you may not receive text messages or phone calls related to fraud monitoring.

If you experience difficulty using your debit card while traveling, the fastest way to resolve the issue is to use Amplify Card Controls within Online Banking to review your card activity and add a travel notification. Card Controls provide immediate, self-service access to manage your debit card while you're on the go. For more information, refer to the Amplify Card: Card Controls page.

If further assistance is needed, you may also contact us through the Chat feature within Online Banking.