If suspicious transactions are detected, cardholders will be sent a text message to all phone numbers supporting text messaging with the option to Confirm Fraud or Confirm No Fraud.

Please note:

  • Texts are delivered between 7:00 a.m. to 9:00 p.m. local time.
  • Free for cardholders to use. However, your mobile provider's standard rates for sending and receiving text messages still apply.
  • Cardholders are automatically opted into the service – no enrollment is required.
  • Cardholders may opt-out at any time by responding STOP to a text message.

Below are images of example texts:

If there is no response to the text, you will receive a phone call from the fraud center. Please note:

  • Calls are placed between 8:00 a.m. and 9:00 p.m. local time.
  • Cardholders can confirm transactions within an automatic system or speak to a fraud analyst.
  • Cardholders will be asked to verify the billing zip code.
  • Cardholder is connected to a fraud analyst if fraudulent activity is confirmed.

While First Liberty Bank's debit card fraud prevention system will legitimately initiate a phone call to debit card holders regarding suspicious activity on their debit cards, cardholders will never be asked for their card number, PIN or account number if the call is legitimate. No sensitive information is requested. The analysts will identify themselves by name, state they are calling on behalf of First Liberty Bank, and only ask for confirmation of specific activity on a debit card.

It is essential to notify customer service at First Liberty Bank when you will be out of town, even in the U.S., or if you foresee any debit card activity that is not typical for your account. Also, it is important to notify us if your contact information changes. If the fraud analyst cannot reach you, your account will be put on hold until we can confirm the charges to your account.

If you need to report a lost or stolen debit card or have any concerns about unusual activity on any of your accounts, please call this number immediately: 1-866-546-8273, 24 hours a day, seven days a week, 365 days a year. Remember, the longer you delay, the more time the thief has to make charges on your account.

A few tips to help you protect your personal information from telephone or email phishing scams are listed below:

Computer Security Tips:

  • Protect your computer through the use of anti-virus software and firewall protection.
  • When banking online, ensure your browser address bar reads before you begin the login process.
  • Never respond to an email requesting that you provide personal information to verify an account or to reactivate that account or service.
  • Remember, First Liberty Bank does not contact customers via email requesting a customer to provide secure personal information, such as a PIN or password.

Telephone Security Tips:

  • If you receive an email regarding your debit card or account activity, immediately contact First Liberty Bank at 405-608-4500.
  • Do not provide your secure personal information to an unsolicited caller.
  • Never respond to a phone call or voice mail service asking you to verify account information or reactivate a bank service.