How EnFact Fraud Alerts Protect You

Stay safe with EnFact. Heartland Bank monitors your debit card 24/7 and alerts you to suspicious activity by text, phone, or email—at no cost.

Your financial security is our priority. That's why, at Heartland Bank, we utilize EnFact, a real-time fraud detection service that continuously monitors your account for suspicious activity. If something seems off, you'll be contacted immediately, allowing you to take action fast.

What is EnFact?

EnFact fraud monitoring software analyzes your purchase history and compares it to known fraud trends. If a transaction looks unusual, EnFact will contact you by:

• Text Message from "37268"
• Phone Call from 1-833-735-1891
• Email

This helps stop fraud before it impacts your account.

How You'll Be Contacted

All Heartland Bank cardholders are automatically enrolled in this free service. Here's how EnFact reaches out:

Note: Customers must first be contacted by EnFact to return a call to the fraud services number. If you notice suspicious activity before EnFact contacts you, please call your local Heartland Bank branch directly.

What EnFact Will Ask

To verify your identity, EnFact will request:

• Your ZIP Code
• The Last Four Digits of your Social Security Number

What EnFact Will Never Ask

• Full Debit Card Number
• Card Expiration Date
• PIN or CVC Code
• Full Social Security Number

What if the Transaction is Fraudulent?

If you confirm that a transaction is unauthorized, an EnFact analyst will help secure your account and walk you through the next steps to protect your finances.

Your Security Comes First

With EnFact and Heartland Bank on your side, your card is protected 24/7. Have questions or need to update your contact information? Visit your local branch or contact us by phone. We are here to help!