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What are Automated Fraud Alerts (Text/SMS)?

Redwood Credit Union will never ask for your card number or personal data. If you receive this type of text, please forward it to us at

* We will never contact you to ask for credit or debit card information we already have, such as card number, expiration date or security code. Report any suspicious calls to our Member Service Center at 800-479-7928.

Redwood Credit Union (RCU) monitors your card activity to help identify transactions that may be outside of your typical spending pattern. If we suspect a transaction may be fraudulent, automated fraud alerts allow us to contact you quickly via text/SMS.

The message will include the following:

  1. Text message from 236-18 or 707-595-9415
    • All RCU automated fraud alerts will come from this number
  2. “FreeMsg” indicates you will not receive any fees associated with the fraud alert from your service provider
  3. Shows that it is from “Redwood CU”
  4. A brief description of the transaction in question
    • Last four digits of the impacted card
    • Dollar amount of the authorization being requested
    • Name of the merchant
  5. Requests a response of “Yes”, “No”, or “Stop”
    • Yes” – The transaction is valid and no fraud has occurred
    • No” – The transaction is fraudulent. This will place a block on the card and decline any future transactions. Get a new debit card in any Branch, or call our Member Service Center at 800-479-7928 to have a new card mailed. If a fraudulent transaction clears your account, you are protected by RCU's Zero Liability policy, Please contact our Member Service Center at 800-479-7928 to file a dispute on the fraudulent transaction
    • Stop” – Replying with “Stop” will remove your card from the Automated Text Alerts.

      **Note – Opting out of the automated text alerts does not remove your card from fraud monitoring. If potential fraud is detected, you will be contacted by the automated system via phone call.

Sample Automated Fraud Alert:

Example of fraud alert