Debit Card Security

smsGuardian Text Alerts  -  Click here to enroll now!

Did you know that debit card fraud is one of the fastest growing crimes in the country? We are committed to keeping your account information safe. That's why we're proud to introduce a new service called smsGuardian. You will be notified via text when certain transactions occur.

Subscribers will receive a text message alert for the following transactions:

  • International
  • Fuel Transactions
  • Any transaction greater than $400
  • Eight (8) or more transactions in a 24 hour period
  • Card not present
  • Out of State
  • Declined Transactions

If the transaction is valid, you can simply disregard the text message.  If the transaction is unauthorized, you would reply to the message exactly as instructed in the text.  Your debit card will be blocked immediately from any other fraudulent activity.  Contact your local branch during business hours to order a new card.

There is no charge for this service; however, message and data rates may apply.  Complete Terms of Service are located on the enrollment page.

Enrolling is easy.  Simply click on this link Click here to enroll now! and you will be directed to the enrollment page.  Enrollment is good for one year.  You will be notified prior to your subscription expiration so you can renew without disruption to your text alert service. You may discontinue the text alerts at any time by texting the word "STOP" in a reply to a Guardian Alert or to 27576.



Falcon is a state of the art monitoring system we employ to help protect your Third Coast Bank ATM/Debit cards from fraud. With Falcon, your card activity is monitored 24 hours a day, 7 days a week, 365 days a year by experienced Fraud Analysts who will alert you of suspicious activity.

How it works for you:

When fraud is suspected, one of our skilled analysts will attempt to contact you right away.  Your card will be disabled if fraud is confirmed, and if you're not available, your card will be placed on a special "watch" status until we hear from you.

This is one reason why it's never been more important than now to make sure we have your current phone number(s) in our system. There's no need to worry about late night phone calls, our analysts will only contact you between 8:00 am and 9:00 pm. If suspicious activity occurs after 9:00 pm or before 8:00 am, your card may be temporarily blocked to prevent fraud.  The analyst will contact you as soon as possible for verification.

If you will be traveling with your Third Coast Bank ssb ATM/Debit card, please notify your local branch so we can alert the Card Fraud Detection Department. This will allow approval of transactions at your destination and still monitor your transactions for possible fraudulent activity.

Card Fraud Detection Center

If you missed a call from our Card Fraud Detection Center, be sure to call them back at 1-800-417-4592 as soon as possible.

Lost/Stolen ATM or Debit Cards

To report your ATM or debit card lost or stolen, please contact our Card Service Center at (844) 205-3334.  You may also login to your Online Banking to report a lost or stolen card.  Simply click on the Options Tab, then "ATM/Debit Card" and select the card(s) you wish to report lost or stolen. Or you may also use the Third Coast Bank App.   Open the TCB App and login from your Mobile device.  Click on Manage Cards, select the card you wish to report lost/stolen, click on Report Lost or Stolen, Confirm you have selected the correct card and then click on Report.     

It's hard to put a price on peace of mind, and with the Falcon monitoring system at Third Coast Bank, you don't have to. We provide this service at no additional cost to you. For more details, click here to visit our Lost and Stolen Debit Cards page.