Protection with smsGuardian

Guard Your Debit Card from Fraud with smsGuardian

Add an extra layer of security against fraud to your debit card with smsGuardian, a great tool for all Pinnacle Bank customers. Receive and respond to text message alerts on your mobile device when your debit card is used for any transaction, including:

  • Fuel Purchases
  • International transactions
  • Out of state transactions
  • Transactions when the card isn't present
  • Declined Authorizations

If the charge is accurate, there is no need to do anything. Simply ignore the alert. If the charge is fraudulent, you can reply to the alert within 12 hours — a risk analyst will then review the purchase and block the card from further use.

Identifying and stopping fraudulent activity can significantly reduce the likelihood that additional unauthorized transactions will occur.

Sign up today for this text alert service.

Get Started

Enroll in this program by visiting the Guardian website today. In just a few easy steps, you will verify your card information, set your “do not disturb” window and enter your mobile phone number (must be a 10-digit domestic number). Then you are ready to begin receiving alerts.



Short Message Service (SMS) is a text messaging service component of phone, web or mobile communication systems, using standardized communication protocol that allow the exchange of short text messages between fixed line or mobile phone devices.

Added Features include:

  • Enjoy the peace of mind that smsGuardian provides, in addition to the ability to:
  • Create a “do not disturb” window for alerts
  • Have all major phone carriers supported
  • Opt-out of receiving alerts at any time


Message and data rates may apply.