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Guardian Alerts

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Convenience and Security of Guardian Alerts

Southern is proud to feature our Guardian Alerts as an anti-fraud text alert service for ATM/debit card transactions. After enrolling, cardholders will receive text alerts for 6 different debit card transaction types:
  • International transactions 
  • Out-of-State transactions 
  • Transactions over $300
  • When 5 transactions are performed in a 24 hour period
  • Transactions when card is not present - online or over the phone
  • Anytime the card is declined
If you receive an alert from smsGuardian and you believe the transaction to be fraudulent, you can respond to the text message immediately and prevent any future transactions on that card.  If the transaction is legitimate, you may simply ignore the notification message. 

Login Credentials

When you login to your Guardian Alerts to either enroll, or change any settings, you will be asked for your:
  • Debit card number
  • Last 4 digits of SSN
  • Zip code

How to Enroll

To enroll in the Guardian fraud detection service, please follow these simple steps listed below.
  1. Enroll in the service:

    1. Click here to access the sign up feature.
    2. Enter your debit card number.
    3. Enter enrollment credentials (primary cardholder's last 4 digits of SSN and the zip code).
    4. Accept the terms of service.
    5. Enter the 10 digit mobile phone number and click Submit.

  2. Activate the service:

    1. A code will be sent to your mobile device, along with the number to which you should send a reply text message.
    2. Send the reply text message with the code to 27576.
    3. Your Guardian Alert enrollment is now complete.

  3. Set Alert Preferences

    1. "Do Not Disturb" window
      •    Return to Guardian webpage.
      •    Click "Preferences" tab. 
      •    Fill in information for preferred times you would like alert messages to be sent to you.
    2. Enroll additional devices
      •    Click on "Devices" tab on Guardian webpage.
      •    Select "Create Device."
      •    Follow prompts and enter information for additional device.
The text message format for Guardian Alerts will appear as below with minor variations depending on the type of alert presented:  "SMB&T Guardian Alert on card XXXX at Merchant Name/Location for $999.99 - Reply AA1234NO if unauthorized. Reply STOP to cancel alerts."*  Alerts will be sent to your cell phone, or other SMS text messaging device, for enrolled cards. The number of alerts you receive will be based on card usage, however, you will not receive more than one alert per transaction.
If you need help regarding the use of Guardian Alerts or your account, you may reply to an Alert message with the word "HELP" or you may click on the "Service Usage Guide" on the website, or call (888) 868-8611.
Certain mobile carriers such as Sprint, Nextel, Boost, and Virgin require a subscription reminder message sent to cardholders enrolled in the smsGuardian program. The alert message will display as: "Reminder: You have subscribed to Guardian transaction alerts for Southern Michigan Bank & Trust.  Message and data rates may apply.  Reply HELP for help. Reply STOP to cancel."

Cancelling / Opting-Out of Guardian Alerts

You may discontinue the receipt of Alerts immediately by texting the word "STOP" in reply to a Guardian Alert, or by unsubscribing from this service entirely on the website as well.  Cardholders may also discontinue alerts by texting "STOP" to 27576.
*   Message and Data rates may apply