WelcomeWelcome LoginSecurLock Communicate is a security service providing two-way SMS text capabilities for quicker fraud identification and prevention for German American credit card holders. It also includes interactive voice and email fraud notifications if no response is received via text or phone call. This service delivers fraud alerts to our card holders quickly and allows you to respond to fraud alerts in a more efficient manner. We will only ask you to verify if the transaction(s) are valid. We will not ask for account or personal information. Please be sure that you have the most current telephone number, cell phone number, and email address on file with us to avoid any notification delays from the fraud management system. You may contact our Customer Care Team at (800)482-1314 to ensure your contact information is current.
SecurLOCK Communicate SMS Alert
Free Msg: German American Bank Fraud Dept: Suspicious txn on acct 1111: $201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.
SMS Response to "YES"
Free Msg: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.
SMS Response to "NO"
Free Msg: German American Bank Fraud Dept: Thank you. We will call you or you can call us anytime at 800-369-4887. To Opt Out reply STOP.
*Standard rates and fees from your wireless carrier may apply.
From: FraudServices at FinancialInstitutionName dot com
Subject: URGENT: Your Card Has Been Suspended Due To Recent Account Activity
Your Credit Card Ending in 0000
Dear (Cardholder's Name):
As part of our commitment to protecting the security of your account, we continuously monitor for possible fraudulent activity. We need to verify that you, or someone authorized to use your account, attempted the following transaction(s) on your account ending in 0000:
| Merchant | Amount | Date | Time | Location |
|---|---|---|---|---|
| TRIGGER | $440.01 | 04/01/2016 | 08:01 AM | MILWAUKEE, WI |
| WALMART | $504.95 | 04/01/2016 | 10:02 AM | MILWAUKEE, WI |
| WALMART | $104.95 | 04/01/2016 | 9:31 AM | MILWAUKEE, WI |
| WALMART | $54.95 | 04/01/2016 | 09:01 AM | MILWAUKEE, WI |
| WALMART | $304.95 | 04/01/2016 | 08:01 AM | MILWAUKEE, WI |
If the dollar amount if not identical to what is shown on a transaction receipt, this may be due to a preauthorization which has not yet posted to your account.
The merchant location for internet transactions may be different than you expect as they are often cleared through a centralized billing location.
If you have already spoken with us about these transactions, then no further action is required.
| Please click on one of the two statements below that best represent the transactions above: | |
|---|---|
All Transaction(s) Authorized | One or More Transaction(s) NOT Authorized |
NOTE:
Your satisfaction is very important to us and we appreciate your prompt attention to this matter. If you have any questions about the content of this email, please don't hesitate to contact us at 800-369-4887 from the U.S. and Canada. If you prefer, use the phone number on the back of you card. Internationally, you can reach us collect at 727-227-2447 and we will accept the international collect call changes. For your convenience, we are available to take your call 24 hours a day, 7 days a week.
Thank you for being a valued customer.
Sincerely,
German American Bank Fraud Service Center
Please do not respond to this email, this mailbox is not monitored. It is only used for sending Fraud Alert Email notifications.
FAQs: Answers to common questions about SecurLOCK Communicate
In our continued efforts to protect you, our customer, German American is pleased to offer a fraud alert management system for credit card holders through SecurLOCK Communicate. With this system, you may begin receiving text messages and/or phone calls and emails asking you to confirm if suspicious transactions are valid. We will only ask you to verify if the transaction(s) are valid. We will not ask for account or personal information. Please be sure that you have the most current telephone number, cell phone number, and email address on file with us to avoid any delays in notification from the fraud management system. You may contact our Customer Care Team at (800)482-1314 or fill out the Contact Us form to ensure your contact information is current.
Standard rates and fees from your wireless carrier may apply.
We have calls only going out during certain hours so cardholders aren’t being called after normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.
Standard rates and fees from your wireless carrier may apply.
All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!
Standard rates and fees from your wireless carrier may apply.
We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.
Standard rates and fees from your wireless carrier may apply.
We have already included you in these enhanced services as part of our fraud protection services.
Standard rates and fees from your wireless carrier may apply.
Transactions that we have identified as potential fraud trigger the alerts.
Standard rates and fees from your wireless carrier may apply.
The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.
Standard rates and fees from your wireless carrier may apply.
Yes, though please keep in mind that it could take 5 –10 minutes for a block to be removed in some situations.
Standard rates and fees from your wireless carrier may apply.
Yes, if you contacted us to indicate you will be traveling during a specific timeframe, a travel note will be placed on your account for that timeframe and transactions will be processed as they are today. We highly recommend contacting us if you plan on traveling to ensure you are not inconvenienced. Please remember our goal is to stop fraud, and fraud may still present during your travel dates.
Standard rates and fees from your wireless carrier may apply.
Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 –10 minutes of the initial call/text/email to validate activity.
Standard rates and fees from your wireless carrier may apply.
The system will accept many common typo variations of the "yes" or "no" text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.
Standard rates and fees from your wireless carrier may apply.
No.
Standard rates and fees from your wireless carrier may apply.
Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is:
Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.
Standard rates and fees from your wireless carrier may apply.
Communicate actions are triggered by today’s existing fraud alerts through the Falcon system. If a mobile phone is on record, a text alert will be triggered first. All numbers on record, that are identified as a mobile phone, will be utilized. Communicate has technology that allows it to determine if a phone number is a mobile or land line, so indicators within the processing platform are not required. If we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. If you select "Not Recognized," the call is transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting that you confirm the transactions are valid.
Standard rates and fees from your wireless carrier may apply.
We offer credit cards for personal and business customers that offer great rates, local service from the German American Credit Card team, and we even offer cards that earn rewards! Learn more.
 | Looking for tips to manage your credit card responsibly? Check out this 5-minute Credit Cards course in our Financial Learning Center. |
