Heritage Bank Mobile Banking

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Available to all Heritage Bank of St. Tammany online banking customers.



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Secure Lock

Your Security is our Highest Priority

Fraud Protections

To further protect you, you will begin receiving texts &/or emails this summer asking you to confirm if suspicious purchases made with your Heritage Bank debit card are valid or not. We will ONLY ask you to verify if you did make the purchase(s) or not, we will not ask for account or personal information. Keeping you protected is important to us and we are excited to offer these new enhanced fraud services to you! Below is a cardholder SecureLock Communicate FAQ to help with any questions you may have in regards to the changes.

Q.  Is this service 24 hours, or only in a certain window?

A.  In other areas of business, we have calls only going out during certain hours so cardholders aren't being called after normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder's time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder's time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.

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. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!

Q.  Can the alerts be sent to customers traveling internationally?

A.  These customers have U.S. numbers, but are traveling overseas, possibly on a non-US carrier. We are unable to send text 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 do customers enroll?

A.  We have already included you in these enhanced services as part of our fraud protection services.

Q. What triggers these alerts?

A.  Transactions that we have identified as 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 are blocked. 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. If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?

A.  Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 - 10 minutes of the initial call/text/email to validate activity.

Q.  What if my "yes" or "no" text response has a typo?

A.  The system will accept many common typo variations of the "yes" or "no" text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

Q.  Is there a difference for consumer and business cardholders?

A.  No.

Q.  Can I establish preferences through my mobile app?

A.  Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is:

1) Text
2) Voice Call
3) Email

Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder's time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder's time zone.

Q.  How do incoming and outgoing voice calls work?

A. Communicate actions are triggered by today's existing fraud alerts through the Falcon system. If a mobile phone is on record, a text alert will be triggered first. All numbers on record that are identified as a mobile phone will be utilized. Communicate has technology that allows it to determine if a phone number is a mobile or landline, so indicators within the processing platform are not required. if we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. If you select "Not Recognized," the call is transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting that you confirm the transactions are valid.

Q.  What is the Falcon System?

A.  Heritage Bank utilizes a fraud detection system called Falcon Fraud Watch. You may receive a phone call/text/email from the Falcon system. They will identify themselves as Heritage Bank and ask you to verify transactions made on your Heritage Bank Debit Card. If you do not answer, your debit card may be temporarily blocked until the transactions can be verified.

Q.  Why would my debit card be declined at a merchant?

A.  You can be declined for multiple reasons. If you exceed your daily limit or you do not use the address and zip code associated with the account. You are attempting to make a purchase in a foreign country via Internet or Phone. You have not responded to a Falcon system call/text/email.

Q.  Should I alert Heritage Bank if I am traveling and plan on using my debit card?

A.  Please let us know if you plan on traveling and will be using your debit card. If we know when and where you are traveling then it will help the Falcon system to better verify transactions.