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Protect Your First Financial Cards

In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud.

Here’s how it works:

  1. When potential fraud is detected, you will receive an automatic email notification from First Financial Credit Union, with the option to reply with “fraud” or “no fraud.”
  2. One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, which also has the “fraud” or “no fraud” option. (*SEE BELOW)
  3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.

Remember – our messages will never ask for your PIN or account number.

Sign up for our smsGuardian™ service and you’ll start receiving text messages about certain activity on your First Financial Platinum Visa Credit or Debit Cards. After enrolling in the service, you will be alerted when the following activity occurs: Platinum Visa:


placeholder cell Platinum Visa Visa Debit ATM
Alert Type
  • 4 or more transactions within a 24-hour period
  • Authorizations greater than $100
  • Fuel transactions
  • International transactions
  • Declined Authorizations
  • All approved & declined transactions
  • Fuel transactions
  • Authorizations greater than $5
  • Declined authorizations

Examples of smsGuardian™ in Action

Your text message alerts might appear similar to these.

All highlighted fields will be automatically populated with the information indicated in the descriptions below:

For greater security when shopping online, activate your FFCU Platinum Visa or Debit Card with Verified by Visa. Verified by Visa protects Visa cards with personal passwords, giving cardholders reassurance that only they can use their Visa cards online. We offer this free service to our valued members to help you prevent unauthorized use of your Platinum Visa or Debit Card online.

Covers U.S.-issued cards only. Verified by Visa requires online activation and is for use only at participating online merchants. Contact FFCU for additional details or visit
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.
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