Account Security

Introducing SecurLOCK™ Falcon® Fraud Manager by FICO®

Our latest and greatest Security Feature

As suspicious transactions are identified, text alerts are triggered and cardholders can respond back approving or declining the transaction.  It provides real-time, two-way SMS text for quicker fraud identification and prevention, as well as interactive voice and email fraud notifications if no response is received by text or phone call.

Real Time Decisioning means reviewing the authorization during the authorization process to prevent fraud while the fraudster is potentially at the point of sale.  During this time frame a brief block is put on your account until the transaction is confirmed via text, phone call or email.

Falcon Fraud Manager™ is a proprietary fraud detection product developed by FICO®, a leader in transaction fraud detection. The Falcon Fraud Manager engine delivers one of the most powerful resources against fraud available. The service uses individual cardholder, transaction, and merchant data to detect a wide range of credit and debit card fraud, including the following categories, which comprise more than 95 percent of all credit and debit card fraud losses:

Account Takeover

Application

Card Not Present

Card Skimmed

Counterfeit

ID Theft

Internet

Lost/Stolen

Non-receipt

Please call us at (270) 526-3881 if you will be traveling, so we can ensure the continued use of your card while you are out of the area.

How Does it Work?

Neural networks recognize specific fraud patterns, and discriminate between low and high-risk authorizations. The scoring component contains a neural engine that can simultaneously examine very large amounts of transaction and cardholder data. For each authorization processed, the neural network assigns a risk score from 0 (not at all likely to be fraud) to 999 (very likely to be fraud). This score indicates how suspicious each transaction is relative to other transactions on record.

The Fraud Alert Management service hours are 24 hours a day, 7 days a week. Cardholders are contacted between the hours of 8am and 9pm CST. However, our Fraud Alert Management department continues to monitor account activity during non-calling hours and takes appropriate action as needed.

SMS Alert
FreeMsg: Morgantown Bank & Trust Fraud Dept: Suspicious txn on account 1111: $201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.

SMS Response to “YES”
FreeMsg: Morgantown Bank and Trust Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.

SMS Response to “NO”
FreeMsg: Morgantown Bank and Trust Fraud Dept: Thank you. We will call you or you can call us anytime at 800-369-4887. To Opt Out reply STOP.

SMS Response to “HELP”
FreeMsg: Morgantown Bank and Trust Fraud Dept: received your msg. It is important we talk to you. Please call 800-369-4887 ASAP. To Opt Out reply STOP.


MBT Debit Card Alerts

with Real-time Activity AlertsDebit Card Alerts

MBT Debit Card Alerts are an additional security feature that you can add to your account for no additional fee (standard data and text carrier rates may apply).

These text alerts are sent to the mobile phone number you provide to us when signing up for the service.

Even if you have multiple cards on your account, you can set these alerts up for all your cards if you would like.  Also, alerts can be sent to multiple mobile phone numbers.

Quickly detect fraud and keep up with your debit card transactions, sign-up for MBT Debit Card Alerts today!

SMS Msg
Your debit card ending in 1111 was authorized for $106.00 at TARGET.  Available balance is $739.15. Txt STOP to end

How do I sign up for MBT Debit Card Alerts?

You can call us at (270) 526-3881 or stop by one of our branches during normal business hours and we would be happy to get you started.

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FAQs

The Fraud Alert Management service hours are 24 hours a day, 7 days a week. Cardholders are contacted between the hours of 8am and 9pm CST. However, our Fraud Alert Management department continues to monitor account activity during non-calling hours and takes appropriate action as needed.
All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!
We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email fraud alerts to you 24 hours a day 7 days a week.
We have already included you in the SecurLOCK enhanced services as part of our fraud protection services. To sign up for MBT Debit Card Text Alerts, you can call us at (270) 526-3881 or stop by any one of our branches during normal business hours and we’d be happy to get you started.
Neural networks recognize specific fraud patterns, and discriminate between low and high-risk transactions. The scoring component contains a neural engine that can simultaneously examine very large amounts of transaction and cardholder data. For each transaction processed, the neural network assigns a risk score from 0 (not at all likely to be fraud) to 999 (very likely to be fraud). This score indicates how suspicious each transaction is relative to other transactions on record. Transactions that meet the pre-determined fraud score threshold are assigned an alert and sent in real-time to the cardholder.
The majority of suspected fraud accounts will be blocked, just as they are today.  However, some lower risk items may not be declined.  To further protect your account, we suggest signing up for our Debit Card Text Alerts, which will send you a text for every single debit card transaction, regardless of the amount.
Yes. Though, keep in mind, in some situations it could take 5-10 minutes from the initial call/text/email alert for a block to be removed.  Once the activity is verified acceptable and updated in the fraud system, you can attempt the transaction again.
Though you will not be able to sign-up for the MBT Debit Card Text Alerts, you are still going to be receiving the Fraud Monitoring services.

You will be alerted by phone call to the number on record.  Your information is moved to a Call Queue in the IVR. The system initiates a call to your phone number on file. When contact is made, the IVR processes the call as follows:

  • System identifies that the call is from their Morgantown Bank and Trust Fraud Service Center.
  • System confirms if the recipient is the cardholder [Cardholder Name Spoken].
  • If the cardholder is unavailable, a message is played asking that the cardholder return the call, and provides the appropriate toll-free number.
  • If the cardholder is available, the system verifies their identity by prompting entry of the last four digits of their Social Security number.

When the cardholder’s identity is confirmed, they are then prompted to confirm the reported transaction(s) as legitimate or suspect by using their telephone keypad to respond. The cardholder is presented up to five transactions if available on the fraud alert. If the cardholder indicates that they do not recognize the reported transaction(s), the call is automatically routed to a Fraud Alert Specialist for further action. If all transactions are acknowledged as legitimate, the call is completed and the fraud alert will be updated appropriately as No Fraud.

SecurLOCK™ text messages are only sent when certain fraud score thresholds are met.  You are already enrolled in this service and if we have your mobile number on file, you will receive a text alert if your card is compromised.  If we do not have your mobile number, we will attempt to call you on the telephone number provided.

The MBT Debit Card Text Alerts are a separate service that sends text alerts for EVERY debit card transaction.

If the transaction risk score was below the fraud alert threshold, it could be possible that it would not trigger the Fraud Monitoring Service. You would then need to call (270) 526-3881 to discuss the next steps involving your account or (800) 500-1044 after hours to deactivate your card and prevent further purchases until you can contact the bank during regular business hours to discuss the unauthorized charges.