FAQ

Our card management options allow you to:

• ·        Lock/unlock your cards.
• ·        Limit transactions by location, merchant, transaction type or dollar amount
• ·        Easily add cards to mobile wallets (Apple Pay® and/or Google Pay™)
• ·        View subscriptions tied to a card and see where cards are stored online.
• ·        Stay informed with alerts.
• ·        View your spending via easy-to-read graphs.
• ·        Get in-depth transaction details.
• ·        Report lost or stolen cards.
• ·        Quickly identify and report fraudulent transactions
• ·        Set up and manage travel plans.
• ·        Get cash without your debit card.
• ·        Access your new card before receiving it in the mail.
• ·        Activate your card when it arrives.

Simply log in to our Digital Banking  and tap “Cards” to get started.

Yes, multiple cards from our institution can be accessed via one Digital Banking account.

Transactions made with your debit cards are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not included. Enriched data includes the merchant’s name, logo, address and more.

“Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps.

Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen.

Via our Mobile app, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a client service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed.

Yes. International transactions can be blocked under location controls. All transactions outside of your specified country of residence will be blocked.

Previously authorized recurring payments will not be affected by the card controls.

Control and alert settings take effect immediately.

Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app.

Yes, the app currently supports Google Pay™ and Apple Pay®.

Apple Pay is a trademark of Apple, Inc., registered in the U.S and other countries and regions. Google Pay is a trademark of Google, LLC.

If your card was damaged, follow the instructions under “Replace Card.”

To report a lost or stolen card, follow the instructions under “Report Lost or Stolen.” Your new card will be sent to the address we have on file for you.

The app allows you to set two travel plans at a time with a maximum duration of 90 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 90 days.

CardFree Cash allows you to get cash from any participating ATM without your physical card using our Mobile Banking app’s enhanced card controls.

CardFree Cash is a service mark of Fiserv, Inc.

Before making a large purchase, check your debit card's daily spending limit. You can find this information by:
Contacting us 1-844-626-2265
Visiting a local branch
Reviewing your account disclosure documents

If your daily limit is too low for the purchase, contact us to request a temporary increase.

It depends on your needs. For one-time large purchases (like an expensive item), a temporary limit increase for that day is usually recommended for security reasons.

Yes. Debit card purchases require available funds at the time of the transaction. Make sure your checking account balance can fully cover the purchase to avoid declined transactions or overdraft fees.

Possibly. Credit cards often have higher spending limits and allow you to pay off large purchases over time. Evaluate your budget and credit terms to see if it’s the better option for you.

To learn more about our credit card options, click here. 

Yes, it can. Be careful not to exceed your budget. Even with a higher limit, only spend what you can comfortably afford to avoid financial strain.

Account alerts are notifications sent to you when important events occur within your accounts.

You can set up alerts for low account balance, loan due dates, cleared deposits, general account information, and much more. Log into Digital Banking and select “Alerts” from the main page to see all available alert options.

Alerts can be received via email, text message, or through digital banking.

Setting up your alerts is easy. Simply select “Alerts” from the main Digital Banking page, then “Alert Options.”  To add an alert, select a topic from the list, the type of alert you’d like to add, an amount if applicable, how you would like to receive the alert, then save.

There is no charge for using Alerts.

Personal Finance Manager is a powerful suite of budgeting, planning, and financial goal setting tools all in one convenient location. It’s like having a personal assistant helping you plan a budget, track your progress towards saving goals, watch your spending, monitor your accounts 24/7, send alerts, and keep track of your finances every day.

From the Dashboard you can get a snapshot of your current financial status, including cashflow, net worth, personal budgets, and savings goals. You can also see alerts, recent activity, and a breakdown of your assets

The Budget feature enables you to enter in your monthly income and expenses. Our system provides a comprehensive list of categories for each that make it easier for you to be sure that all your finances are included.

You can easily add custom categories into the system under the Categories feature. These can be edited at any time.

Yes. Personal Finance Manager lets you add accounts from other financial institutions, investments, or other income that is part of your monthly cash flow.

Yes. From the Dashboard, you will be able to not only keep track of your financial accounts, but also add the value of your home and other real estate property to provide a clearer picture of your net valuation.

Yes. If you use accounting software or a spreadsheet to keep a check register or other records, the transactions can be exported as either a .CSV or Excel file.

Setting savings goals is an important part of achieving any life goals that require you to save money, for example a new car, a down payment for a new home, or that dream vacation. Our Goals feature makes it easy. Simply give your goal a name, enter an amount, set a target end date, select your preferred account, and the percentage of money within the account you’d like to set aside for the goal. That’s it! Your personal finance manager will start tracking your progress towards the goal.