Alerts and security for your Debit Card and Online Banking.

Debit Card Travel Alert

If you wish to use your Third Coast Bank Debit Card outside of the United States, please provide the bank with important travel information BEFORE you leave the USA.

Contact your branch to make arrangements to use your debit card.

Follow these safety tips when using your debit card outside the USA.
  • Keep your card in your possession.  Do not hand it over to others.
  • Use an ATM for cash withdrawals when possible.  Skimming devices may be used to compromise your card on other terminal types.
  • Always carry a second form of payment with you in the event your debit card becomes compromised or is declined for any reason.
  • Sign up for SMS Text Alerts.  

Debit Card Security

Debit Card PIN

To establish or reset your Debit Card PIN, please call 1-888-891-2435 and follow the instructions. 

smsGuardian Text Alerts

Did you know that debit card fraud is one of the fastest growing crimes in the country? We are committed to keeping your account information safe. That's why we're proud to introduce a new service called smsGuardian. You will be notified via text when certain transactions occur.

Subscribers will receive a text message alert for the following transactions:
  • International
  • Fuel Transactions
  • Any transaction greater than $400
  • Eight (8) or more transactions in a 24 hour period
  • Card not present
  • Out of State
  • Declined Transaction
If the transaction is valid, you can simply disregard the text message. If the transaction is unauthorized, you would reply to the message exactly as instructed in the text. Your debit card will be blocked immediately from any other fraudulent activity. Contact your local branch during business hours to order a new card.

There is no charge for this service; however, message and data rates may apply. Complete Terms of Service are located on the enrollment page.

Enrolling is easy. Enrollment is good for one year. You will be notified prior to your subscription expiration so you can renew without disruption to your text alert service. You may discontinue the text alerts at any time by texting the word "STOP" in a reply to a Guardian Alert or to 27576.


Falcon is a state of the art monitoring system we employ to help protect your Third Coast Bank ATM/Debit cards from fraud. With Falcon, your card activity is monitored 24 hours a day, 7 days a week, 365 days a year by experienced Fraud Analysts who will alert you of suspicious activity.
How it works for you:
When fraud is suspected, one of our skilled analysts will attempt to contact you right away. Your card will be disabled if fraud is confirmed, and if you're not available, your card will be placed on a special "watch" status until we hear from you.

This is one reason why it's never been more important than now to make sure we have your current phone number(s) in our system. There's no need to worry about late night phone calls, our analysts will only contact you between 8:00 am and 9:00 pm. If suspicious activity occurs after 9:00 pm or before 8:00 am, your card may be temporarily blocked to prevent fraud. The analyst will contact you as soon as possible for verification.

If you will be traveling with your Third Coast Bank ssb ATM/Debit card, please notify your local branch so we can alert the Card Fraud Detection Department. This will allow approval of transactions at your destination and still monitor your transactions for possible fraudulent activity.

Card Fraud Detection Center
If you missed a call from our Card Fraud Detection Center, be sure to call them back at 1-800-237-8990 as soon as possible.

It's hard to put a price on peace of mind, and with the Falcon monitoring system at Third Coast Bank, you don't have to. We provide this service at no additional cost to you. 
Lost or Stolen Debit Cards

To report your Debit Card lost or stolen, please contact our Card Service Center at (888) 297-3416, Option 2.

You may also login to your Online Banking to report a lost or stolen card. Simply click on the Options Tab, then "ATM/Debit Card" and select the card(s) you wish to report lost or stolen. Or you may also use the Third Coast Bank App. Open the TCB App and login from your Mobile device. Click on Manage Cards, select the card you wish to report lost/stolen, click on Report Lost or Stolen, Confirm you have selected the correct card and then click on Report.

Fraud Alert

Be on guard against fraud with email or text message alerts

With so many customers affected by the recent data breaches at large retailers, Third Coast bank would like to remind you to activate event alerts.  These can help keep an eye on your accounts.

Login to Online Banking to activate Alerts under the Options tab.

Third Party Bill Pay Alert

When using third party bill payment services, Third Coast Bank cannot guarantee that the payments will be received in a timely manner, which may cause you to incur late fees.

We encourage you to use Third Coast Bank’s online banking for your bill payment solution. 
Online Banking Security
Online Banking Security Features
Third Coast Banks uses a multi-layered approach to security to ensure that your valuable information is kept safe. Read below for more information about some of our security features. Our goal is to help you protect yourself against fraud and identity theft.

Secure Socket Layer (SSL)
The online banking product was built using industry–approved security technologies to protect data for the bank and for you, our customer. It features a password–controlled system entry, an issued Digital ID for the server, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.
When you log in to online banking, your browser establishes a secure session with the online banking server. The secure session is established with SSL encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and the server. Both sides require the keys as the message is scrambled when sent and de–scrambled when received. The SSL protocol not only ensures privacy, but also ensures that no other browser can "impersonate" your browser, nor alter any of the information sent.
The strength of the encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grow, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. We use 128–bit SSL encryption and we recommend that you use a 128–bit capable browser.
Requests must filter through a router and firewall before they are permitted to reach the server. A router is a piece of hardware that works in conjunction with a piece of software, known as a firewall, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Personally Selected Account Names
Third Coast Bank does not display your account numbers over the internet. Instead, we ask you to choose a "pseudo" name for each of your accounts. You can change your "pseudo" account name by selecting "Options" and then "Account" within your Online Banking session.

Individual ID & Password Information
In order to access Third Coast Bank's Online Banking, you must enter a unique User ID and password.

Password Security System
To keep unauthorized individuals from accessing your account by guessing your password, we have instituted a password security system. If your password is entered incorrectly several times, the user is "locked out" of the system. If you have forgotten your password and have accidentally locked yourself out of your Third Coast Bank Online Banking account, please contact us at 833-844-7708 . You may also reset your own password. This procedure is found in your Online Banking account under "Options."

Multifactor Authentication
In order to make your online banking experience as secure as possible, we have activated a security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected we will verify your identity with unique questions that you previously picked and answered. Multi–Factor Authentication has been implemented to better protect you and your information.
After a brief monitoring period, you'll be prompted to select some personal verification questions. During a future login we'll ask you to answer these questions if we don't recognize your computer or location from where you are logging in.
Additionally, you will be asked to select a watermark for your Online Banking account. This watermark will be displayed at each login (before you enter your password) and also on each page while you are on your Internet Banking account. This will assure you that you are accessing the secure Third Coast Bank Online Banking.
Also, additional monitoring will be in place for dollar amount and volume of transactions. If any transaction(s) present a higher risk factor, the system will prompt for personal verification questions to ensure your identity prior to processing the transaction(s).

Automatic Logoff
If you are logged on to Third Coast Bank Online Banking, but do not perform an activity for 10 minutes, you will not be able to proceed until you "re-log" on to the system.

Secure Tokens (Treasury Management Customers)
Secure Tokens are devices issued to Business Online Banking clients who conduct monetary transactions that, by their nature, are considered a higher risk, such as Automated Clearing House (ACH) Originations and Online Wire Transfers. These  Hard or Soft devices generate a six-digit random number every 35 seconds, which must be entered in order to complete transactions.

Zix Secure Email (Secure Documents) 

Third Coast Bank may send confidential or private information to you using Zix Secure Email; we have implemented an email encryption service through Zix Corporation, the leader in email encryption services.

Zix Corporation's easy-to-use email protection makes it seamless for you to receive, read and reply to all encrypted email communication we send you. If you are a Zix Corporation customer, you do not need to do anything.  Email is securely sent between our organizations and delivered directly to your Inbox. If you are not currently a Zix Corporation customer, you will receive confidential email through the Secure Message Center.

The protection of confidential communication is important to us and we want to ensure your information stays private.

"Zix" marks are protected by copyright and trademark laws under U.S. and international law. Registered Trademark of Zix Corporation.

User Online Security
What is Pharming?
The term "pharming" is a neologism based on the words "farming" and "phishing". Both Phishing and Pharming attacks seek to obtain access credentials, such as user names and passwords But while Phishing is a type of social-engineering attack, Pharming targets the provider infrastructure and can be detected and prevented.
Pharming attacks are among the most virulent, and devastating, security breaches a company can suffer because end-users are unaware of the compromise. For this reason Pharming has become of major concern to businesses hosting ecommerce and online banking websites, leading the FDIC to issue guidance on this topic.

Protecting Your Information from "Phishing"
Beware of Phishing! (Pronounced "fishing") Phishing involves the use of seemingly legitimate email messages and Internet websites to trick customers into disclosing sensitive information, such as bank account information, social security numbers, credit card numbers, passwords, and personal identification numbers (PINS). The fraudulent email message usually requests the customer to update or validate their financial or personal information in order to maintain their accounts, and directs them to a fake website that may look like the website of a legitimate business.
Some consumers will mistakenly submit financial and personal information to the perpetrator who will use it to gain access to financial records or accounts, commit identity theft or engage in other illegal acts.
Please be advised that Third Coast Bank SSB does NOT send email messages to its customers asking for verification of any personal information.

Standard Email Communication
Please remember that email is not necessarily secure against interception, and you should not send personal information though regular email.

Secure Messaging through Online Banking
If you are a current Third Coast Bank Online Banking customer, you can login and send a secure message to us through the secure messaging option.