Personal Banking
Personal Banking

Union Bank & Trust cares about your account security. As a debit card holder, you have automatically been enrolled in SecurLOCK Communicate as part of our fraud protection services. Here’s how it works--you will begin receiving text messages, phone calls and/or emails asking you to confirm if suspicious purchases are valid. At no time will you be asked for account or personal information. Union is serious about protecting you from fraudulent activity on your account.

There is no cost to you. The cost of data and message rates for domestic AT&T, Verizon, Sprint and T-Mobile customers is absorbed by Union.

See below for more information about SecurLOCK Communicate.

Q. What triggers these alerts?
A. Transactions that we have identified as suspicious or potential fraud trigger the alerts.

Q. If I receive an alert, does that automatically block my account from further purchases?
A. The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

Q. If I respond back that the transaction(s) are valid, will you automatically unblock my account?
A. Yes, though please keep in mind that it could take 5 – 10 minutes for a block to be removed in some situations.

Q. Is this service 24 hours, or only in a certain window?
A. Responses vary based on the contact information on your account. Please make sure we have the most up to date information.

  • Phone calls will be made from 8:00 a.m. to 9:00 p.m. in your time zone.
  • Emails will be sent out 24 hours a day.
  • Text messages will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone.
Any transactions identified outside of those time frames will be followed up the following business morning.


Q. Can the alerts be sent to me if I am traveling internationally?
A. We are unable to send text messages 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.

Q. How can I stop text messages if I don’t want to receive them any longer?
A. All you need to do is respond back to the SMS text alert with the word STOP. Please note that any customers located in the U.S. who have cellular service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for these alerts. We absorb that cost for you!

Q. How do I enroll?
A. If you are a debit card holder, you are already included in these enhanced services as part of our fraud protection services.


Union Bank & Trust
Mailing Address:
P.O. Box 940
Ruther Glen, VA 22546