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Debit Card Fraud Protection

Your CNB Mastercard® Debit Card is protected by a fraud detection program called EnFactSM that monitors debit card and ATM transactions for potentially fraudulent activity. For your protection, you may receive a text, email, or phone call to verify a transaction or to further authenticate you.

Fraud Text Notifications:

  • Fraud text notifications will be sent to the cardholder from 37268.
  • The text will contain the merchant name and dollar amount for review.
  • Simply confirm or deny the validity of the transaction by replying YES or NO.
  • Valid transactions will require no further action.
  • Suspected fraudulent transactions will result in a request that you contact us.
  • If a text response is not received within 15 minutes, or if we do not have a text-enabled phone number on file, you will be contacted by phone.

One-Time Passcode at Online Checkout:

  • Online transactions may require verification at checkout with a one-time passcode.
  • One-time passcode text messages will be sent to the cardholder from 33072. Email messages will be sent from [email protected].
  • Once received, enter the one-time passcode as requested at checkout to complete your purchase. 

Travel Notifications

If you will be using your debit card while traveling, please contact us to let us know the dates and destination, so that we can provide this information to Fraud Prevention Services in order to prevent your card from being blocked due to "out of the ordinary transactions."   You can add Travel Notifications using Manage My Debit Card.

Contact Information

We strongly encourage you to verify your contact information to ensure that you are able to be reached in the event of suspected fraudulent activity. Please visit your local Canandaigua National Bank & Trust bank office and speak to a representative, or send a secure message within Online Banking containing your current information. In the subject line of the message, please indicate: Current Contact Information. Or you can call our Customer Call Center at (585) 394-4260.