SMS Guardian Alerts


Detect fraud on your debit card faster with The Bank of Elk River's newest text banking tool, SMS Guardian Alerts. Once enrolled in this free service, your account(s) will benefit from an added layer of security and you will enjoy peace of mind knowing you will receive real time alerts any time fraudulent activity is detected on your account.


How does it work?

Once you have signed up for SMS Guardian Alerts, you will receive text alerts when certain debit card transactions occur. The Bank of Elk River has set the following guidelines based on what is reminiscent of fraudulent activity:

  • International Transactions
  • Authorizations Greater than $200
  • Seven or More Transactions in a 24-hour period
  • Card not Present
  • Out of State Transactions
  • Declined Transactions

When any of the above conditions are met, SMS Guardian Alerts will send a text alert to your mobile device. An example of an alert looks like this: TBER Guardian Alert on Card 1234 in State = WA at BUSINESS NAME HERE for $325.00- Reply THISCODE99NO if unauthorized. Reply STOP to cancel alerts.

If the charge is accurate and is not fraudulent activity, you do not need to do anything - simply ignore the alert. If the charge is unauthorized, reply to the alert with the correct code. Your card will be blocked and you will be directed to contact The Bank for further instructions.


Additional Features:

  • Enable multiple devices per card to ease account monitoring
  • Determine when you receive text message alerts by designating a "Do Not Disturb" window
  • Opt out of receiving alerts at any time
  • Supported by all major phone carriers. For a complete list, read the Card Guardian Supported Carriers list.


To Enroll:

  • Visit the SMS Guardian Alerts webpage and follow the enrollment process. You will need your card number, the last four digits of your Social Security Number, and your zip code when signing up.
  • Enable your mobile device to receive alerts via the Devices tab.
  • Set your Do Not Disturb window as well as your time zone via the Preferences tab.


Still have questions?

Read our Frequently Asked Questions document regarding Guardian Alerts.


Message and data rates may apply. Those with Bank of Elk River MasterCard® debit cards are eligible for this service. You may discontinue this service at any time by texting the word STOP to 27576 or unsubscribe entirely on the enrollment website. Some mobile service providers will send a 30-day subscription reminder message to customers that participate in the program. For help regarding the use of this service or your account, you may reply to an Alert message with the word HELP, read the Service Usage Guide on the enrollment website, or call (888) 868-8611. View the Terms and Conditions from the enrollment website here.