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:


Platinum Visa

Visa Debit


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

Your text message alerts might appear similar to these.

4 or More Transactions within a 24-Hour Time Period


Authorizations Greater than $100


Fuel Transactions


International Transactions

Declined Authorizations
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
1Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify First Financial Credit Union immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult ​First Financial.

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