Make purchases and track expenses with a Visa® debit card. Get direct access to a designated account balance, 24/7.

  • Free with any Sky FCU business account
  • Reduce costs of purchasing checks
  • Simplify expense tracking
  • Multiple cards can be issued
  • Pre-set employee limits as needed
  • Safer than carrying cash
  • More convenient and safer than checks
  • Make purchases online or in-store virtually anytime, anywhere
  • Easily replaced if lost or stolen
smsGuardian™ Text Alerts

For Your Peace of Mind: Text Alert Fraud Prevention

We’re looking out for you! In addition to the Fraud Center monitoring, all Sky FCU cardholders are able to sign up for smsGuardian™. 

Sign up for our new smsGuardian™ service and you’ll receive text messages regarding activity on your credit and debit cards. If you receive a text about a transaction that you think is fraudulent, you can reply immediately and your card will be blocked from further criminal activity. 

Feeling safer already? Give smsGuardian a try. You can enroll any Sky Federal Credit Union cards in this service. You may choose to receive text alerts on a single cell phone or tablet, or up to ten different devices. Visit our enrollment website to register your credit/debit cards and mobile devices. 

Here’s an example of what the service looks like in action. You might receive a text message similar to this:

Guardian Alert on card 1234* at XYZ Store** for $500.00***. Reply AA1234NO if unauthorized. Reply STOP to cancel alerts.

*This will be the last four digits of your card number

**This will be name of the merchant

***This will be the purchase amount

If you receive this message and you know the purchase is legitimate, you don’t need to do anything. If you think that it’s fraud, you reply “AA1234NO” and your card will be blocked. You can choose to cancel this service at any time by replying with the message “STOP.”

It’s pretty easy, and very reassuring. Visit our enrollment site today and start enjoying some peace of mind. 


  • Enrollments will be good for a period of one year. You will be notified prior to expiration of your Guardian account and may text a reply to renew.
  • Changing your mobile service provider may require you to re-enroll your mobile device.
  • The mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones.
  • You are responsible for any text messaging fees from your phone or tablet service carrier.