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Debit Card Fraud Protection

Canandaigua National Bank & Trust is pleased to announce the latest feature in our commitment to debit card security and fraud detection. Customers with a CNB Mastercard® Debit Card are automatically protected by EnFactSM – a Fraud Detection Program that monitors debit card and ATM transactions for potentially fraudulent activity. CNB debit card customers are notified via text message if suspicious activity is identified. Fraud messages are received from CNB Debit Notifications Fraud Center (37268) and will allow you to confirm or deny the validity of the transaction in question by simply replying YES or NO.

For your protection:

  • Fraud text notifications will contain the merchant name and dollar amount for review.
  • Confirm or deny the validity of the transaction by replying YES or NO.
  • Valid transactions will require no further action.
  • Fraudulent transactions will result in additional communications from the CNB Debit Notifications Fraud Center related to the status of your debit card.
  • 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.

Please note: Fraud Alert Text Notifications are not subject to text messaging fees. If you do not wish to receive text notifications, you may opt out by simply replying STOP when the text message is received. You will continue to receive phone calls regarding suspected fraudulent activity.

To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times by contacting the Customer Call Center at (585) 394-4260.

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."  

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.

You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. That's because the debit cards we issue are protected by EnFact.