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CNB Debit Card Fraud Protection

Canandaigua National Bank & Trust is committed to providing a secure environment for all of your banking needs. Our investment in security includes protection for your debit card transactions online and at merchant locations. With that in mind, we are excited to introduce the latest feature in our fraud monitoring and detection services – EnFactSM text notification.

Our fraud monitoring system is constantly working to detect suspicious activity on your CNB Mastercard® Debit Card. When suspicious activity is detected, you will be contacted via text message to verify pending transactions. Messages are sent from the 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 notifications 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 number on file, you will be contacted by phone.

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.

Please note: Fraud Alert Text Notifications are not subject to text messaging fees.

As a reminder, please contact us anytime you are planning to go out of town -- whether it's for business or pleasure. If you will be using your debit card while traveling, contact us to let us know the dates and destination, and we add a note to your account that you will be traveling. This quick call to CNB can prevent your card from being flagged when being used away from home.

The quick detection of potential fraud is an added layer of security CNB provides our customers. To take full advantage of our fraud text alert service, it is important that we always have your current contact information on file. If it has been a while since you last updated your mobile phone number, now is a great time to call our Customer Service Representatives at 585-394-4260 to verify your contact information.

For more information about EnfactSM visit CNBank.com/TextAlert.