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*Free tool!  smsGuardian:  Anti-fraud text alert service for credit and debit card transactions. 

Want a text message when your card is used for an out of state transaction, declined authorization, international transaction, your card’s not present, or an authorization greater than $300.00?  Sign up for smsGuardian, now! 

* Msg&Data rates may apply*

Enrolling in smsGuardian:

      1. Sign on to website:
      2. Enter valid card number followed by the enrollment criteria for the card
      3. Verify Terms & Conditions and Service Usage Guide
      4. Enroll a device for the card.  Go to the Device/Create Device tab.
             a. Enter 10 digit mobile device number and click “Submit”
             b. Send the required message provided to 27576
             c. Verify you received a confirmation message:

           Guardian enrollment complete. Alerts start within 24 hrs. *Msg&Data rates may apply,
Msgs per issuer setting. Reply STOP to discontinue service. Reply HELP for Help.

When you receive messages, please look at them carefully!  If you have initiated the transaction, do nothing.  If you HAVE NOT initiated the transaction, you must reply using the code given in the text message.  If you reply with the code given, your debit card will be blocked and you can no longer use your card.  This is to prevent any further fraudulent activity on your card.  Then, contact us and we will further investigate the activity and instantly issue a new debit card to you.   

Atmore 251-368-3148                                                                                                                 Excel 251-765-9020


For debit card pin changes, you may call toll free 1-888-885-9875. You must know your existing pin in order to change to a new pin.

To report a lost or stolen FNB&Trust debit card, call 1-866-546-8273 24 hours a day, 7 days a week.  For fraud assistance please call 1-800-417-4592.