Woman sipping on a cup of coffee while looking at her phone

Fraud Protection

Texas Community Bank’s fraud detection services offer our customers the opportunity to continuously monitor their Texas StarCard debit card activity and instantly identify and respond to unauthorized transactions.

Fraud Center Alerts

All of our customers with a debit card are automatically enrolled, for free, with our Fraud Center that will monitor debit card activity to detect unusual or suspicious transactions.  
If you receive a Fraud Center alert, your debit card will be blocked until you confirm your transactions.

How will I receive Fraud Center alerts?

First Contact Attempt Text Message from 96923
Second Contact Attempt E-mail from
Third Contact Attempt(s) Phone Call(s) from 1-800-237-8990
  • First, you receive a text message.  Whether the transaction was authorized or not, respond as indicated in the text.
  • If you do not respond within 5 minutes, you will receive an e-mail with a list of transactions to review.  Use the links in the e-mail to respond if the transactions were authorized or not.
  • If you do not respond to the text or e-mail, you will receive a series of phone calls to the different numbers we have for you.  During this call you will hear several transactions to verify and instructions on how to respond.
  • Text messages and phone calls are made to U.S. phone numbers only.
  • Message and data rates may apply based on individual data plans.
  • Reply “STOP” to discontinue receipt of text alerts at any time, or “HELP” for the customer service number.
If I receive an alert and my card is blocked, what do I need to do to keep using my debit card?
To unblock your card, you must respond to any of the Fraud Center alerts and confirm that all transactions were authorized (no fraud).
What happens if I confirm fraud?
Your debit card will be cancelled and the debit card must be replaced.
What if I confirm fraud by mistake?
If you accidentally confirm fraud to an alert, contact the Bank as soon as possible.
If you find that your debit card was blocked by the Fraud Center, but you did not receive any of the alerts, please get in touch with us to verify your contact information.


smsGuardian is a debit card monitoring service that will send you text messages for every debit card transaction.  Enrollment is free and valid for 1 year.

Unlike Fraud Center alerts, receiving texts from smsGuardian will NOT block your debit card.  If you receive a text for a transaction you did not authorize, please contact the Bank immediately at (956) 722-8333.  If outside of banking hours, call our toll free Lost/Stolen number at 1-888-297-3416.

Click the link above and follow the instructions provided. 

If I enroll, how will I receive smsGuardian text messages?
Text messages are received from 27576.
General Information
  • For new debit cards, you must wait 24 hours before enrolling.
  • To complete enrollment, you MUST send the verification text as shown on the enrollment screen. You will receive a confirmation text advising you of “Guardian enrollment complete.”
  • After 1 year of enrollment, you will receive a renewal message. To renew, respond as indicated in the text.
  • You can enroll up to 10 devices per debit card.
  • The number of texts you receive depends on how often you use your debit card.
  • Message and data rates may apply based on individual data plans.
  • Reply “STOP” to discontinue receipt of text alerts at any time.
  • Reply “HELP” at any time for assistance, call toll free 1-888-868-8611, or access the Service Usage Guide in the Guardian website linked above.
  • Terms and Conditions can be viewed upon enrollment or subsequent login to the Guardian website linked above.
  • You can unsubscribe from this service through the Guardian website linked above.
  • Some mobile service providers (for example, Sprint, Nextel, Boost, and Virgin) require that we send a 30-day subscription reminder message to their customers enrolled in smsGuardian. These cardholders will receive a reminder alert message every 30 days. Sample of the alert message: “Reminder: You have subscribed to Guardian transaction alerts for …. Message and data rates may apply. Reply HELP for help. Reply STOP to cancel.”
Remember the Fraud Center and smsGuardian contact information provided above so that you can easily identify the sender of any alerts you receive.
For additional questions, please contact Texas Community Bank at (956) 722-8333.
With the capabilities of a debit card and the added security of a chip card. 
Use your mobile phone to bank anywhere, anytime!