Oak Valley Community Bank
Eastern Sierra Community Bank


Peace of mind no matter where you are.

SecurLOCK™ Debit Card Protection

SecurLOCK™ is a free, simple, and secure app that lets you manage your debit card from your smartphone.

  • Switch Card On/Off - Lock or unlock cards with a single touch
  • Control Use by Location - Limit a card's activity to a specific distance from your mobile device or specify a region on a map
  • Control Preferences - Set merchant categories, transaction types, and spending limits
  • Instant Transaction Alerts - Receive real-time alerts on transactions
  • Self-Service - Analyze spending and manage transactions

Why Does SecurLOCK™ Communicate Matter?

88% of fraud victims do not receive real-time fraud alerts, which would assist with early fraud identification and prevention, despite 85% of the world's mobile devices.

SecurLOCK Communicate alerts cardholders quickly and in the manner they prefer to be contacted. Typical time of engagement after the trigger transaction is less than 30 seconds.

Example of a fraud alert message on an iPhone


Is this service 24 hours, or only in a certain window?

In other business areas, we have calls only going out during certain hours, so cardholders aren’t being called after regular waking hours.

  • Emails will be sent 24 hours a day.
  • Texts will be sent 24 hours a day.
  • Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.
  • Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above.
  • Agents are available 24/7.
How do customers enroll?

We have already included you in these enhanced services as part of our fraud protection services.

What triggers these alerts?

Transactions that we have identified as potential fraud trigger the alerts.

How can I stop text messages if I don’t want to receive them any longer?

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!

Will the product work for customers residing in Canada?

For Canadian consumers, both text and email alerts are available.

Can the alerts be sent to customers traveling internationally?

These customers have U.S. numbers but are traveling overseas, possibly on a non-US carrier. We cannot send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.

If I receive an alert, does that automatically block my account from further purchases?

Most suspected fraud accounts will be blocked, just as they are today. However, some lower-risk items may not be declined.

If I respond back that the transaction(s) are valid, will you automatically unblock my account?

Yes, though please remember that it could take 5 – 10 minutes for a block to be removed in some situations.

If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?

Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 – 10 minutes of the initial call/text/email to validate the activity.

What if my “yes” or “no” text response has a typo?

The system will accept many common typo variations of the “yes” or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

Is there a difference between consumers and business cardholders?


Can I establish preferences through my mobile app?

SecurLOCK Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is:

  • Text
  • Voice Call
  • Email

Alerts generated overnight result in an email and/or text only until calling hours are available. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.

How do incoming and outgoing voice calls work?

SecurLOCK Communicate actions are triggered by today’s fraud alerts through the Falcon system. All numbers on record that are identified as mobile phones will be utilized. SecurLOCK Communicate has technology that allows it to determine if a phone number is a mobile or landline, so indicators within the processing platform are not required.

  • If a mobile phone is on record, a text alert will be triggered first.

  • If we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. A text alert will be triggered first if a mobile phone is on record.

  • If you select “Not Recognized,” the call is transferred to an agent to confirm the fraudulent transaction(s).

  • If there is no response to the text or voice call, an email requesting that you confirm the transactions are valid.