Our eNFACT fraud detection software is always monitoring for suspicious debit card activity on your account. It analyzes purchase history and fraud patterns to identify anything out of the ordinary.  If we find anything suspicious, we’ll notify you with a text message, phone call or email to verify the transaction.

If you tell us a transaction is fraudulent, an eNFACT analyst will help you take the necessary steps to protect your account.

All Heartland Bank customers with a debit card and a mobile phone number are automatically enrolled to receive text alerts. Debit card holders without a mobile phone number will receive a landline phone call or an email. All customers have the option to opt-out at any time. This is a free service to our customers.

If you ever get a call from “eNFACT, 1-800-279-2674” or a text message from “37268” know that they are doing their job to prevent potential fraudulent use of your debit card.  

eNFACT will only ask for your zip code and the last four digits of your social security number. They will NEVER ask for the following information:

  • Your full card number
  • The expiration date on your card
  • Your card’s PIN number
  • The CVC code on the back of your card
  • Your full social security number
Jenni Thulin

Jenni is a Consultant for Thomsen Reuters. She graduated from the University of Nebraska-Kearney in Public Relations. Jenni enjoys spending time at Johnson Lake with her husband and three children, watching her children's activities and remodeling projects.

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