Debit Card Controls

Mobile Banking App Control Features:

• Disabling a Card
• Transaction Types
• Merchant Types
• Location Controls

To access Card Controls for debit cards, when you sign in to the Mobile Banking app, on the Accounts landing page, you tap More at the bottom of the page for an iPhone or at the top right of the page for an Android smartphone.

 

Tapping Card Controls for the first time, presents the initial Card Controls page. Card Controls automatically retrieves all the available, eligible debit cards from Card Management and enrolls them in SecurLOCK Equip. Once a card is enrolled, the current Card Management settings for your debit cards are returned. 

To manually enroll cards in SecurLOCK Equip, you tap the Add button. Card Controls retrieves the available, eligible debit cards from the debit platform on Card Management and lists them on your Card Controls page. To complete the enrollment process, you tap the radio button to the left of each card they want to enroll, and taps Add again. This completes the enrollment process for the card(s).

The Add button is always available. However, when you have no additional debit cards that are eligible, the message, All Eligible Cards are enrolled at this time, appears.

Working with Card Controls

The Card Controls Details page for a debit card appears when you tap the > symbol to the right of a card number on the Card Controls page. The Details page shows the controls available for the card and indicates either the status or the value of the current setting for each control or set of controls in use for the card.

Disabling a Card

When cards are lost or stolen, customers typically call your bank’s support staff to have their cards disabled or turned off, and a replacement card ordered. However, there may be other reasons why you might want to disable a card and they may not require replacement cards or even need to alert the bank.

With Card Controls, you can disable your own debit card using the Enable Card for Use switch that appears just below the debit card number on the Details page. This switch is set to on (switch is to the right and a green background appears) by default. To disable or turn off the card, you move the Enable Card for Use switch to the left (grey background), making the debit card unusable.

Note: When a card has been lost or stolen, you must still contact your bank to let you know, and to order replacement cards.

When a card is disabled, all other controls for the card are maintained, but unavailable.

Removing a Card from Card Controls

To stop applying controls and remove a card from Card Controls, on the Details page, you tap Remove Card. A dialog box appears to enable you to confirm the card is no longer being protected using controls. Once the remove is confirmed, controls are no longer applied for this card and you are not able to re-add the card using the Add Card process.

Working with Location Controls

Location Controls enable you to block international transactions or allow transactions for up to three specified areas or regions. To enable location controls for a card, on the Details page, you tap > to the right of the Location Controls option. The Location Controls page appears with the Block International and My Regions location controls. These two controls are mutually exclusive. The customer cannot use the Block International and the My Regions control that enables transaction controls for specific regions at the same time.

Blocking International Transactions

To block all international transactions, you move the switch for the Block International Control to the right. The switch background appears green. Once turned on, a dialog box appears with a message asking you to confirm the new setting. Once confirmed, all transactions originating in countries other than the United States are blocked. When you have regions set up in Location Controls, turning on the block for international transactions disables the region controls. The customer-defined regions are not deleted, they are just disabled and can be turned on again, when the block for international transactions is turned off.

Setting Up Regions for Card Controls

The My Regions control in Location Controls enables you to define up to three regions where card transactions are allowed. You can define a circular region with a minimum radius of five miles equating to an area of 78.5 square miles. While the map appears as a square, the region is expanded to cover the four corners of the map, ensuring that your card will work in the region they defined. It is also important to note that any ZIP Code touched by the defined circle is considered part of the region. Therefore, the defined area where card transactions are allowed may actually be larger than the area displayed on the customer’s map.

Note: To use the My Regions control, the Block International control must be turned off.

To add a new region, on the Location Controls page, you tap My Regions. The My Regions page appears with a switch to turn on the My Regions control. When the you turn on the My Regions control, the Add Region link becomes active. If you already have regions defined, a list of those regions appears immediately below the My Regions control. A Back button is also available on this page to return you to the Location Controls page.

There are three ways to define a region where card transactions are allowed using the My Regions control:

• Use the map to select the current customer location
• Use the map to position an area within the map display
• Use the search field criteria, Country, State, City, or ZIP Code to define and select an area

You can use these different ways individually, as described, or can use a combination of them, if desired.

To add a new region using the map to select the current customer location, you tap the Add Region link. The Region page appears with a map displaying the customer’s current location and a keyboard. To adjust the size of the local region, zooming in or out on the map further defines the local area they want to specify. You can also use the Country, State, City, Zipcode (optional) search field to enter search criteria to go to another location or adjust the map.

Once the desired area appears on the map, you enter a name for the region being defined in the unlabeled field at the top of the page and taps Save. The local area is saved as a region under the specified name and appears in the list of regions displayed on the My Regions page until it is deleted. When the My Regions control is active, the customer can only perform card transactions within this region and other defined regions.

To add a new region using the map to position an area that is not the current customer location, the customer taps the Add Region link. The Region page appears with a map displaying the customer’s current location and a keyboard. In the unlabeled field at the top of the page, the customer enters a name for the new region and clicks the Go button on the keyboard. This removes the keyboard and expands the map display to fill the Region page.

Once you are finished adding or updating a region and has saved it, tapping Done completes their activity and returns them to the My Regions page where an updated list of new or changed regions appears. A Cancel button is also available on the Region page which returns you to the My Regions page and ends whatever task they were performing without saving any changes.

Setting Transaction Type Controls

When you set Transaction Type controls, they are blocking specific types of transactions from being performed with the selected debit card. To access this feature, on the Details page, you tap > next to the Transaction Types option. The Transaction Types page appears with only the Enable Transaction Types control displayed.

To display the individual controls, you move the switch to the right for the Enable Transaction Types control as shown in the sample page below. When the list of individual transaction type controls appears, you can choose which types of transactions to block for the card and move the switch to the right for each of those controls.

Setting Merchant Type Controls

When you set Merchant Type controls, the selected card is declined at point-of-sale (POS) for specific types of merchants. To access this feature, on the Details page, you tap > next to the Merchant Types option. The Merchant Types page appears with only the Enable Merchant Types control displayed. To display the individual controls, you move the switch to the right for the Enable Merchant Types control as shown in the sample page below. When the list of individual merchant type controls appears, you can choose which types of merchants they want to decline their card and move the switch to the right for each of those controls.

Setting a Daily Transaction Threshold Amount

The Threshold Amount option on the Details page enables you to set a dollar amount limit for point-of-sale (POS) transactions using the selected card. Any card transaction that exceeds this threshold amount will be declined. To access this feature, on the Details page, you tap > next to the Threshold Amount option. The Threshold Amount page appears with only the Threshold Amount control displayed.

Card Alerts

Once you have completed your personal setup of Card Controls, you can set up your preferences for receiving the transaction-based alerts.

When you choose to customize your alerts preferences, you can choose to turn alerts on or off for any of the following types of debit card transactions:

• Transaction types
• Merchant types
• International transactions

In addition, you can set up a threshold or transaction limit that when enabled sends an alert whenever a debit card transaction exceeds the set limit amount.

Alerts for transactions are sent after transaction processing is complete. Assuming alerts are set up, when you or a cardholder sharing a card initiates a transaction and transaction processing is complete, an alert is sent indicating the success or failure of the transaction. The alerts are sent to all the smartphone devices that are registered for Mobile Banking.

Accessing Card Alerts

Access to Card Alerts is through an option on the More Menu. When you tap the Alerts option, the Alerts provider page appears with the Card Alerts option displayed. Over time, this page will list additional providers of alerts related to your cards or accounts. 

Working with Card Alerts

The Alerts landing page enables you to choose whether you want to receive all the available alerts (All Transactions), receive only a selection of alerts that they specify, or receive only the mandatory alerts (None). All newly enrolled cards in Card Controls are set to the default option, All Transactions. To change this option, you tap > to display all the options and then taps the option they want to select.

Setting up Merchant Type Alerts

When you tap > next to the Merchant Type option on the Alerts landing page, the Alerts page appears with a list of ten merchant types or categories. You can tap a category name or swipe the switch to turn on alerts that are sent whenever a debit card transaction is processed by a merchant in that category. When a switch is turned on (green background), alerts for transaction occurring within that merchant category are sent to all your registered smartphone device(s). When a switch is turned off (greyed out), only the mandatory alerts are sent for transactions occurring at merchants within that merchant category. Your selections on this page are automatically saved when they leave the page. To return to the main Alerts page, you can tap the Back arrow to the left of the page title.

Setting up Transaction Type Alerts

When you tap > next to the Transaction Type option on the Alerts landing page, the Alerts page appears with a list of seven transaction types or categories. You can tap a category name or swipe the switch to turn on alerts that are sent whenever a debit card transaction is processed that falls in that particular category. 

Setting Up a Transaction Limit Alert

When you tap > next to the Transaction Limit on the Alerts landing page, the Transaction Limit page appears as shown in the image below. On this page, the customer can tap or swipe the Allow Alert switch to turn on the transaction limit. This also activates the Amount field enabling the customer to enter a dollar amount for the transaction limit.

If you need assistance in setting up card controls or if you have any questions, please feel free to reach out to any of our 10 branches for assistance.