Guardian Text Alerts

With Guardian Text Alerts from Paragon, you can detect fraudulent activity much more quickly. Customers signed up for the alerts receive a text message every time their debit card is used. The immediate detection of unauthorized charges can save you frustration, time and money.

Each text includes:

  • Last four digits of your card number
  • Merchant where the card was used
  • Amount of the transaction
  • Eight-character fraud confirmation code


Click here to enroll in this free service.

Click here for a step-by-step guide on the enrollment process.


Frequently Asked Questions:

1. What types of transactions will trigger an alert?

All transactions (including ATM usage) will trigger an alert.  Be aware that the amount listed is only the preauthorized amount.  When swiping your card, restaurants only preauthorize the amount of the meal as they can’t anticipate your level of voluntary gratuity.  Gas Stations can preauthorize the actual sale amount or any amount from $1 to $100 depending on the payment method you choose (debit vs credit).

2. What if I get a new phone number?

You have the ability of adding, deleting, and renewing devices as you wish all from within the Guardian system.  Simply log in and make the necessary changes.

3. What do I do if the transaction is fraudulent?

Reply to the alert with the eight digit code provided.  Be sure to reply with the correct codes one by one if there are multiple text alerts.  After submitting your reply, you will get a confirmation message stating that your card is now blocked, meaning it can no longer be used for payment authorization.  You will then need to contact Paragon’s Customer Support at 901.273.2900 to get a new card issued.  With our instant issue system, it’s now possible to receive your replacement card the same day.

4. What if I don’t want to be alerted at certain times (sleeping at night, etc.)?

There’s a Do Not Disturb feature that can queue your alerts and send them only when the system determines it’s outside the Do Not Disturb time window. To set up this feature, log into the system and click on the Preferences tab.

5. Will I ever have to re-enroll?

Your enrollment with Guardian Text Alerts lasts for one year from your sign up date. Once that time expires you will receive a text message prompting you to reply with a code in order to renew your enrollment. If at any time you change mobile service providers you will have to re-enroll your cards with Guardian Text Alerts.

5. Anything else?

Be mindful of any and all recurring charges you have tied to your card, such as subscriptions and memberships. You will receive an alert when the payment is authorized even though you didn’t swipe your card anywhere.