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Inspire FCU Debit Card Fraud Alerts

Inspire FCU protects you from fraud and helps you take immediate action by keeping safe what you value most.

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Lost or Stolen Card?

To Report a Lost or Stolen Debit Mastercard® Dial: 215.788.5270

How We Keep You Safe

We are constantly monitoring debit card transactions for patterns or abnormalities in order to identify and prevent fraud on your account. Inspire FCU is committed to providing our members the best fraud-fighting tools to strengthen our defenses and help our members take immediate action against fraud. Should we identify suspicious transactions on your card, we will attempt to contact you about the activity via text message, email, or phone call to verify if the transaction was authorized by you.
How the Fraud Alerts work:

  • You will receive a notification of a suspected fraudulent transaction via text message, e-mail, or phone call.

  • You will reply YES (authorized) or NO (not authorized) to the text,e-mail or phone call for the transaction in question.

  • If the transaction is authorized (YES) please reattempt the transaction for approval.

  • If you do not recognize the transaction and reply NO, Inspire FCU will attempt to connect you with an Inspire FCU representative that will verify your recent transactions, close your current card, and assist in getting a new card issued to you.

Important Reminder

Inspire FCU will never contact you via phone, text, or email to request that you provide sensitive personal or account information such as your full debit card number, PIN or Online Banking password. As always Inspire FCU highly recommends you monitor your account for suspicious activity. In order for us to help protect your account, please contact us at 215-788-5270 or visit your local branch with any transaction or activity you do not recognize.

Frequently Asked Questions
What number will the SMS/Text messages come from?

Texts from our fraud monitoring service will appear on your device from the short number 73985. Upon receiving the text message, all you need to do to confirm the transaction is valid is reply with YES. If you didn’t authorize the transaction, reply with NO. Keep in mind that your reply will only be used to verify if you conducted the transaction in question. It won’t authorize us to attempt the same transaction again if it was blocked the first time. After confirming the transactions is valid, you may attempt the transaction again.

What email will the Email Notifications come from?
Emails from our fraud monitoring system will come from Card Fraud Operations (noreply@fraud.inspirefcu.org). Upon receiving the email notifications, all you need to do to confirm the transaction is valid is reply with YES. If you didn’t authorize the transaction, reply with NO. Keep in mind that your reply will only be used to verify if you conducted the transaction in question. It won’t authorize us to attempt the same transaction again if it was blocked the first time. After confirming the transactions is valid, you may attempt the transaction again.
What phone number will the Phone Notifications come from?
Phone calls from our fraud monitoring service will appear on your caller ID as 1-833-995-1218. Upon receiving the phone call, please follow the prompts provided to confirm the transaction is valid or fraudulent. Keep in mind that your reply will only be used to verify if you conducted the transaction in question. It won’t authorize us to attempt the same transaction again if it was blocked the first time. After confirming the transactions is valid, you may attempt the transaction again.
Do I need to do anything to be eligible for this service?
No. Every consumer member with an Inspire FCU debit card will receive the alerts. However, you should confirm that the phone number and email we have on file for you is correct. You can verify the email and phone number we have on file for you by contacting our 24/7 call center at 215-788-5270 or by visiting one of our convenient branch locations.
How do I respond to an alert? (SMS/Text or Email)
If the transaction was authorized reply YES, confirming that you did authorize the transaction. If the transaction was unauthorized reply NO.
What happens if I respond NO?
If you do not recognize the transaction and reply NO, you will be connected with an Inspire FCU representative. They will verify your recent transactions, close your current card, and assist in getting a new card issued to you.
What happens if I respond to the message with YES?

If you verify you made the transaction, you can continue using your card as you normally would. If the suspicious transaction was blocked, you’ll need to reattempt it.

Is there a fee to receive alerts?
No. Like many Inspire FCU services, this is offered to members for free. Please note, messaging and data rates may apply from your provider.
How do I update my cell phone number and email to receive alerts?

You can update the email and phone number by contacting our 24/7 member service center at 215-788-5270 or by visiting one of our convenient branch locations.

When will I receive an alert?
If a suspicious transaction is detected on your debit card, you will receive a text message and email within moments from when a transaction is attempted. If you do not respond to either the text message or the email, you will receive a call within approximately 5 minutes.
How long do I have to respond?

It is important that you respond as quickly as possible. Delays in your response may affect your ability to use the card for future transactions. If you experience any interruptions with your debit card, please contact us at 215-788-5270.

Is this service safe and secure?
Yes. Our first priority is to protect your personal information. Inspire will never ask for your account or debit card number, personal identification, or other personal information via text message or email. If you ever receive a text message or email asking for your member number, account or debit card number(s), or other personal information, please do not respond. Call our Member Service Center at 215-788-5270 immediately to report the fraudulent messages.
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3 Friends Lane
Newtown, PA 18940

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Routing Number: 231379775
NMLS Number: 491584

Phone

215.788.5270

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*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
**APY = Annual Percentage Yield.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U. S. Government Agency. Inspire FCU is an equal opportunity housing lender.

We may provide links to third party partners, independent from Inspire FCU. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of Inspire Federal Credit Union.

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