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Control your debit cards

 

Actively manage your debit card use by defining when, where, and how your cards can be used in online banking and the mobile app.
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Transaction monitoring

Monitor and control debit card transactions.

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Set thresholds

Set spending thresholds by dollar amounts, merchant categories, and locations.

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Control spending

Control your debit card spending in real-time.

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Manage usage

Manage debit card usage for you and your children.

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Get alerts

Get alerts based on the rules you set.

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Fraud prevention

Help safeguard your debit cards from fraud.

How it works

  • 1

    Sign up

    Sign up for online or mobile banking.

  • 2

    Log in

    Log in to online or mobile banking.

  • 3

    Select cards

    Select and manage your debit cards.

Get started

Debit card control FAQs

  • There is no limit.

  • The primary device is used to track the GPS for My Location alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the manage card settings for that card. Controls (including the On/Off setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be reset by accessing Settings – Primary Device.

  • No, they will automatically be updated but you may need to activate your debit card which can be done through the app.

  • The My Location controls and alerts check to ensure the merchant location is within a five-mile radius of the device set as primary within online banking. These controls impact card-present transactions only, so internet transactions aren’t impacted.

  • Card controls in online banking ignore location information that’s more than one hour old. So, if the phone is off for more than an hour, My Location controls won’t take effect, and the transaction won’t be denied on the basis of the old location information.

  • Card controls in online banking perform a proximity check at the granularity of ZIP Code or city, so if the merchant is close to home then the transactions will still go through.

  • My Location is only effective for the enrolled user. To limit the youth account holder’s card, the user can use the Region feature to set usage preferences for where the card can be used. Set the location preference to Region in the drop-down menu, then add a New Region to set the map to the area where the card may be used.

  • The region shows the approximate area where the card can be used. Card controls in online banking can typically map the transaction down to a ZIP Code or city. If the city or ZIP Code of the merchant overlaps with the selected region on the map, then the transaction can still go through. There are instances where a merchant location can’t be mapped down to a ZIP Code or city, in which case card controls will default to a state-level match.

  • Yes. International transactions can be blocked using the International location control. Transactions will be limited to the United States.

  • Previously authorized recurrent payments will continue to process and will bypass updated card controls.

  • Specific merchant types have been created within card controls in online banking, and these merchant types can be used for controls or alerts via the Alert Preferences or Control Preferences screens. Each of the merchant types contains various merchant category codes (MCCs). Please note that it’s possible for a retailer to forward an MCC that may differ from the card control merchant type classification. Merchant types currently supported include: department store, entertainment, gas station, grocery, household, personal care, restaurant, travel, and others.

  • Push notifications are the standard notification when using mobile banking. Email notifications are an option within online banking card control settings.

  • Yes, an alert is generated regardless of whether or not a control preference is set.

  • Yes, the last 50 card-based transactions posted within the last 30 days will display for the selected card.

  • There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance the pre-authorization amount must meet the threshold spend limit.

  • Only debit card transactions performed with that card display. It doesn’t show the transactions that are done on the account without using your card, such as teller transactions or bill pay on an account.

  • Control settings take effect as soon as the updating information message in the app stops.

Disclosures

1 Card controls are subject to the terms and conditions of the service and the credit union’s online banking services agreement.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.