Jennifer Eden

Oct 12 2016

Additional Layers of Protection for Hills Bank Credit Cardholders

Hills Bank credit card fraud protection.

Hills Bank has an additional layer of protection for your Hills Bank credit cards by immediately alerting you of potential fraud. As a Hills Bank cardholder, you’ve already been included in this as a part of our fraud protection services. To make sure it works for you, please make sure Hills Bank has your current mobile phone number and email address.

How does the additional credit card fraud protection work?

Our additional layer of protection for both personal and business credit cards are designed to provide you real-time fraud alerts via SMS/Voice/Email. Alerts generated overnight result in an email only until calling and texting hours are available.

  • SMS text messages are sent from 7am-10pm in your time zone
    (To stop receiving SMS text alerts text STOP to a fraud alert SMS text.)
  • Voice calls are sent from 8am-9pm in your time zone.
  • Email alerts will be sent 24/7.

If you are traveling internationally, you will be unable to receive a text or phone call, but emails can be sent 24/7.

How do customers enroll in this additional layer of credit card fraud protection?

As a Hills Bank credit cardholder, both personal and business credit cards are automatically enrolled. To make sure this service can reach you, please make sure we have your current mobile phone number and email address via our contact us page or within a secure message through online banking. Simply state in the message you are updating your contact information.

What do the credit card alerts look like?

SMS alerts look like:

FreeMSG: Hills Bank Fraud Department: Suspicious txn on account (XXXX): (AMOUNT) (MERCHANT). If authorized, reply YES, otherwise reply NO. To Opt Out reply STOP.

SMS Response to “NO”
FreeMSG: Hills Bank Fraud Department: Thank you. We will call you or you can call us anytime at 1-800-369-4887. To Opt Out reply STOP.

SMS Response to “HELP”
FreeMSG: Hills Bank Fraud Department: It is important we talk to you. Please call 1-800-369-4887 ASAP. To Opt Out reply STOP.

Email alerts look like:

Credit Card Email Alert

What if I get an alert but approve the transaction?

If you approve the transaction from a fraud alert, your card will automatically be unblocked. In some instances, it could take 5-10 minutes for a block to be removed.

We hope you take the time to make sure your mobile phone and email address is updated with us so we can provide you with these real-time fraud alerts. If you have any questions, please leave them in the comment box below, and I’d be happy to answer them!

Jennifer Eden

About Jennifer Eden

Jennifer Eden is eBanking Services, Vice President at the Hills Bank location in Hills. She has been at Hills Bank since 2003 assisting customers with their electronic banking needs. She enjoys spending time with family and friends, volunteering with her children’s activities, and returning to her home town in Northeast Iowa. She can be reached at

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