Routing Number: 103111618
Call us! 405.527.6503


With our smsGuardian service, you’ll receive text messages regarding unusual or possibly fraudulent activity on your debit card. 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. However, if you receive a message and know the purchase is legitimate, you don’t need to do anything at all. It's that easy.

Give smsGuardian a try! It’s a free service*. You can enroll any of your McClain Bank debits cards. You can receive text alerts on any device, such as a cell phone or a tablet. It’s very easy and very reassuring. Enroll your card today!

To begin enrollment, simply click here and follow the below steps.

  1. Enter your card number followed by the enrollment criteria for the card, which will include:
    • The last 4 numbers of the cardholder’s Social Security Number or TIN
    • The ZIP code tied to the card.
  2. Verify and Agree to the Terms & Conditions & Service Usage Guide.
  3. If you wish, set up a ‘Do Not Disturb’ window in the PREFERENCES/VIEW PREFERENCES tab to verify you are not receiving text messages during this timeframe (optional).
  4. Enroll a device for the card.
    • Go to the DEVICE/CREATE DEVICE tab.
    • Enter the 10 digit mobile device number and click ‘Submit’.
    • Send the required message provided to 27576.
    • Verify you receive this confirmation message: Guardian enrollment complete. Alerts start within 24 hrs. Msg&Data rates may apply, Msgs per issuer setting. Reply STOP to cancel. Reply HELP for Help.


Currently, McClain Bank has the following smsGuardian rules in place:


A few details –