Guard Your Debit Card from Fraud
with smsGuardian

Sign up today for this complimentary text alert service

Add an extra layer of security against fraud to your debit card with smsGuardian, a free tool for all First Command Bank customers. Receive and respond to text message alerts on your mobile device when your debit card is used for any transaction, including:

  • International transactions
  • Out of state transactions
  • Transactions when the card isn't present

What is SMS?
Short Message Service (SMS) is a text messaging service component of phone, web or mobile communication systems, using standardized communication protocol that allow the exchange of short text messages between fixed line or mobile phone devices.

If the charge is accurate, there is no need to do anything. Simply ignore the alert. If the charge is fraudulent, you can reply to the alert within 12 hours — a risk analyst will then review the purchase and block the card from further use.

Identifying and stopping fraudulent activity can significantly reduce the likelihood that additional unauthorized transactions will occur.

Added Features

Enjoy the peace of mind that smsGuardian provides, in addition to the ability to:

  • Enroll up to three devices per debit card number
  • Create a “do not disturb” window for alerts
  • Have all major phone carriers supported
  • Opt-out of receiving alerts at any time

Get Started

Enroll in this program by visiting the Guardian website today. In just a few easy steps, you will verify your card information, set your “do not disturb” window and enter your mobile phone number (must be a 10-digit domestic number). Then you are ready to begin receiving alerts.


Message and data rates may apply. You may discontinue the receipt of alerts immediately by texting the word “STOP” (without quotes) in reply to an alert (or by texting the word STOP to 27576). You may unsubscribe from the smsGuardian service entirely on the website. View the complete terms and conditions.