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Debit and Credit Card Protection

Your Pinnacle Bank cards are protected by eNFACT®, our 24/7 fraud detection software.

How does it work?

Our eNFACT® fraud detection software is always monitoring for suspicious debit and credit card activity on your account. It analyzes purchase history and fraud patterns to identify anything out of the ordinary.  If we find something like a purchase in a faraway city, we’ll alert you to either confirm the transaction or start resolving fraud.

We’ll notify you with a text message or phone call and ask you to verify the transaction. Currently, text message alerts are only available for debit card activity. Credit card activity will be confirmed via phone call. If you tell us a transaction is fraudulent, an eNFACT analyst will help you take the necessary steps to protect your account.

What do we need from you?

Be sure your local branch has your updated contact information, including your cell and home phone number.  We use this information to reach out to you about potential fraud on your account, so it is important for us to have the correct information.

Before you leave for vacation, contact us about your travel plans. When you let us know before you go, we can make sure your transactions run smoothly while you’re away. Which means all you have to do is relax and enjoy your vacation.

To learn more about eNFACT, contact your local branch .

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