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BI Card Guardian

  • Another layer of fraud protection from Bank Independent

    Enroll in our complimentary* BI Card Guardian service today and get text messages on your mobile device when your Bank Independent Debit Card shows:

    • International purchases
    • Most purchases at gas stations
    • Transactions greater than $100
    • Five or more purchases in a rolling 24-hour period
    • “Card not present” transactions (like online purchases)
    • Your card is declined

    If you think the transaction is fraudulent, just reply to the BI Card Guardian text within 12 hours using the custom code provided in the message. Our fraud team will immediately begin investigating the fraudulent charge, and your Bank Independent Debit Card will be blocked from future use. If you authorized the transaction, no response is required.

    Enrollment in BI Card Guardian is quick and easy!

    You’ll just need:
    • Your 16-digit Bank Independent Debit Card number,
    • The last four digits of the primary cardholder’s Social Security number (or Tax ID for business cardholders), and
    • Your five-digit zip code.

    Ready to enroll? Click the Enroll Now button.

    Enroll Now Btn

    Want to learn more about BI Card Guardian? Click here to read our FAQs.

    Here are some examples of text messages you might receive from BI Card Guardian alerts:

    Guardian Text Alert ExampleGuardian Text Alert ExampleGuardian Text Alert Example

    “1234” – this will be the last four digits of your Bank Independent Debit Card number
    “XYZ Market” – this will be the name of the merchant
    “$157.00” – this will be the amount of the transaction
    “AKRDFZK” – this will be a one-time use, unique code you would use should you need to report this transaction as unauthorized.

    * You are responsible for any text messaging fees from your carrier (not from Bank Independent), and carrier message and data rates may apply. Please visit https://www.cardguardian.com/CardGuardian/carriers.do to ensure that your mobile carrier is compatible with the BI Card Guardian service.



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