Fraud alerts help protect your personal debit & credit cards

To protect your time and money, we have fraud alert features to help keep your cards safe from fraud.

How personal debit card text alerts work:

• If we detect suspicious activity on your personal debit card, we'll send you a text alert.
• Yes or No questions will help us determine whether a transaction on your debit card is valid or if it's fraud.
• Debit card text alerts will come from 23-618.

How personal credit card text alerts work:

• If we detect suspicious activity on your personal credit card, we'll send you a text alert. The text will ask you to reply with Valid if it’s a transaction you recognize. If you don’t recognize the transaction, reply with Fraud.
• Credit card fraud text alerts will come from (844) 617-6450.

Learn more (PDF)

What we will do when we're trying to verify a transaction:

• For debit card transactions, we will:
  • Ask you to verify a purchase with a Yes or No response, but we won't ask you to click a link (note: if you identify a transaction as fraudulent, your debit card will be cancelled to prevent further fraud).
• For credit card transactions, we will:
  • Ask you to verify a purchase with a Valid or Fraud reply, but we won’t ask you to click a link (note: if you identify a transaction as fraudulent, your credit card activity will be restricted, and we’ll ask you to call for a replacement card).
  • Also send you an email.

 

What we will never do:

• Ask for your personal info by text message or an unsecured email
• Send you a link or contact you out of the blue to ask for personal info like account numbers,
  PIN codes, passwords, birthdates or full social security numbers.
• Pressure you to act quickly or threaten to close your account

 

Know how to protect yourself:

• When in doubt, don't engage.
  • Instead, contact a trusted Arvest customer service source. In some instances, if you 
    initiate contact with us, we may ask you to provide info to verify your identity.
• Always think twice before clicking a link or opening an attachment.
• Check your account balance and transactions often to help quickly spot suspicious activity.
• Make sure your contact info is current so we can reach you if necessary.

 

Remember, if someone claiming to be from Arvest contacts you out of the blue and is pressuring you for personal info, to act quickly or threatens you, it's likely a scam. 

Don't respond; instead, contact us at (866) 952-9523 or reportfraud@arvest.com. 

Keep your contact info up to date in the way that works best for you:

How to Update Your Personal Debit Card Info (PDF)

How one-time passcodes work

• To complete certain online transactions with your personal debit card, we'll send you a one-time passcode by text or email.
• Once you receive it, enter the code into the designated box and click "Submit" to complete your transaction. 

One-time passcodes will come from (877) 866-8298 or noreply@otp.arvest.com. 

Personal Debit Card Fraud Alerts Program Overview

This section pertains to text alerts only. One-time passcodes do not apply to this overview.

Messaging frequency depends on account activity. 
For more information, text HELP to 23618. 

Cancellation Process:

To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device.

Support Services:

For Fraud Alerts support, call (866) 440-9346.

Agreement:

By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud. 

HELP instructions:

Text HELP to 23618 for help or call (866) 440-9346.

STOP instructions: 

Text STOP to 23618 to cancel.

Learn more about how to protect yourself from fraud by visiting our fraud awareness page.