Falcon Fraud Alerts

Keeping Your Cards Secure and Protected

Sound Credit Union partners with Falcon Fraud Protection to provide enhanced security by continuously monitoring your card transactions. This service helps identify and stop suspicious activity before you're even aware of it.

If you have a Sound Credit Union debit or credit card, you are automatically enrolled. If any transactions occur on your card that appear suspicious or fall outside of your normal spending patterns, Falcon Fraud Protection may contact you to confirm the transaction(s).

If Falcon Fraud Protection needs to confirm this activity with you, you'll be notified by:

1. Text Alert

When suspicious activity is noticed, you’ll receive a text message at the cell phone number registered on your account. The message will provide details about the transaction, including the last four digits of the card used, the transaction amount, and the merchant name.

You will receive a text from the 5-digit short code 23618.

5-Minute Response Window

You’ll have 5 minutes to reply with “YES” if you authorized the transaction or “NO” if you did not. You can also choose to opt out by replying “STOP.”

2. Phone Call

If we don’t hear from you within 5 minutes, we’ll call the mobile number on file. If there’s no answer, we will then call your home number on file. The number will display as (844) 332-4899.

3. Voice Message

If there's no answer, a message will be left that includes a case number and a phone number for you to call and verify the transaction. You can also contact us during normal business hours to review your account.

Do all members with Debit and Credit cards get Falcon Fraud Protection?

Yes, Sound offers all members this valuable, no-cost service to help monitor and secure their transactions. There's no need to enroll or call to activate it.

What if my phone number on account is a home phone?

If the phone number we have on file isn’t a mobile number, we’ll call that number. If there’s no answer, we’ll leave a voicemail.

What if I miss a text or call from Falcon?

If you miss a call or text from Falcon Fraud, they will leave a message or send callback information for you to verify the activity. If you do not respond within five minutes or if you respond with a "NO," the transaction will be declined, and your card may be temporarily blocked to prevent further unauthorized use.

For potentially high-risk transactions—such as unusually large purchases, transactions in unfamiliar locations, or multiple rapid transactions—Falcon Fraud will immediately place a temporary hold on your card until the activity is verified.

You can trust that safeguarding your account is our top priority.

Can I opt out of this service?

No, this monitoring service is designed for your protection and cannot be opted out of.

Can I opt out of Text Alerts?

Yes, if you do not want to receive card fraud alerts via text, you may opt out by replying “STOP” to the text message or by calling Sound.

Will Sound ever ask for my card information?

No, members will never be asked for their full card number, personal identification number (PIN), or the three-digit code on the back of the card. When validating transactions for Falcon Fraud Protection, only the last four digits of the card number will be provided for verification.