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Anti-Fraud Debit Card Text Alerts

With our smsGuardian™ alert service, you will receive a text message every time your debit card is used for purchases that have an increased likelihood of fraud. If you receive this message and the purchase is legitimate, simply do nothing. If the transaction is fraudulent, respond to let us know and we’ll block your card and take action right away. If you do not reply to the text message within 12 hours, the transaction is considered legitimate and no further action will occur.

The following types of transactions will trigger alerts. Keep in mind, it does not necessarily mean your card has been used fraudulently, but you will receive a message each time these types of transactions occur.

  • International transactions
  • Fuel transactions
  • Authorizations greater than $200
  • 6 or more transactions in 24 hours
  • Card not present for transaction
  • Out-of-state transactions
  • Transactions with declined authorizations

There is no charge from the bank for this service.1 This program offers a one year enrollment period. At the end of the 12 month period, you will receive a text prompting you to enroll for another year.2

Enrollment Instructions:

  1. Click the "Sign Up Now" button below to enroll in the smsGuardian System.
  2. Enter a valid card number followed by the enrollment authentication criteria for the card.
  3. Agree to the Terms and Conditions.
  4. Setup a "Do Not Disturb" window in the Preferences/View Preferences tab.
  5. To enroll a device, go to the Device/Create Device tab (Note: up to two devices can be added per debit card).
  6. Enter the 10 digit mobile device number and click "Submit."
  7. Send the required message provided on the screen to 27576.
  8. The message you receive will include instructions on how to reply if the transaction was unauthorized.

Sign up now


1 While there is no charge from The Bank of Missouri, message and data rates may apply from your wireless carrier.
2 After initial sign-up to this service, you may discontinue the receipt of alerts immediately by texting the word STOP in reply to a Guardian Alert. Visit if you wish to unsubscribe entirely from this service after initial sign-up.

To view the Terms and Conditions of this program, please visit for information. Please be advised these alerts do not replace regular personal monitoring of your accounts. If you ever suspect a transaction may be fraudulent, contact us immediately at 888-547-6541.

External Link Disclaimer

You will be linking to another website not owned or operated by The Bank of Missouri. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri.

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Email Disclaimer

Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch.

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First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri.

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