What is CardValet? What does it do?
CardValet is an app that allows you to control when and how your card is used.
Additionally, the app allows you to setup alerts based on spend limits and merchant
type. The app also gives you the ability to turn your card off and on in the event it is
lost or temporarily misplaced.
Is there a charge for using the CardValet service?
CardValet is a free app that will give you the freedom of controlling when and how
your card is used. Standard data rates may apply.
Does CardValet work on Android phones and iPhones?
CardValet works with the most recent mobile operating software as well as two past
versions of the software for Android and Apple iOS devices.
Can I use CardValet on an iPad or Android based tablet?
At this time, CardValet is not designed for use on tablets.
How long does the app stay logged in if you don’t log out?
The app automatically logs you off in 10 minutes.
What should I do if my card becomes lost or stolen?
If your card should become lost or stolen, you can use your CardValet app to turn
your card off immediately to prevent fraud. However, you will still need to contact the
bank as soon as possible in order to complete the process of closing the card and
having a new card issued.
What information do I need to have available when registering for CardValet?
You will be asked for the card number, address, ZIP code, expiration date, CVV code,
and the last 4 digits of the social security number associated with the card. If a social
security number is not available for verification secondary information may be used to
validate your identity. Secondary authentication includes: security token sent in an email,
or the amount of a PIN based debit card transaction performed in the past 72 hours.
What if I lock myself out while attempting to enroll for the CardValet service?
If the requested information is entered incorrectly three (3) times your registration will
be suspended for 30 minutes. After 30 minutes registration can be attempted again. If
the information is entered incorrectly three (3) more times you will need to contact the
bank to verify we have the correct information on file and have your registration reset.
What are the CardValet password requirements?
CardValet passwords must be at least eight (8) characters in length and must contain
at least: one (1) upper case character, one (1) lower case character, one (1) number
and one (1) special character.
Can multiple cards be linked to one registered CardValet account?
You can register multiple cards within a single CardValet app. Additional cards can
be added within the “Manage Portfolio – Add Card” screen.
How many cards can I register within a single CardValet application?
You can add an unlimited number of cards.
When adding more than one card, what type of information do I need in order to register each card?
You will need to enter the same level of detail entered for the original card. This
information includes the card number, address, ZIP code, expiration date, CVV code,
and the last 4 digits of the social security number associated with the card. Typical
examples of multiple individuals registering one card include: parents and dependents;
spouses; and employers/employees.
I’m registered, but, I have forgotten my password and now I’m locked out, what do I do?
Anytime your password and/or username are entered incorrectly, you will see a
message that says “Login Failed. Please enter a valid username or password”. If the
information is entered incorrectly three (3) times, the access will be locked out. Note:
once you’re locked out, the same failed message will continue to display. To be
unlocked and/or reset, you will need to contact us at 660-886-6825 during regular
When I receive a new card due to expiration, reissue, or replacement, will I have to
update my card within the application?
Anytime a new card number is issued, be it for expiration or replacement, you will
need to “add” the new card to your profile. This can be accomplished by going to
Menu > Manage Portfolio > Add Card. In addition, you may hide the old card by
accessing Menu > Manage Portfolio and simply removing the check mark next to the
card that you want to hide.
Does deleting the App cause me to be unenrolled from CardValet?
No, if you would like to be unenrolled from the program please contact us at 660-886-6825 during regular business hours.
I can download the card on multiple devices but I am requested to indicate which
device is “primary.” What is the purpose of assigning a primary device? Can I
make changes to the settings from the non-primary devices?
The primary device is used to track the GPS for the “My Location” alerts and
controls. All merchant and threshold alerts will be sent to this device. All devices that
a particular card has been registered to can view or change the CardValet settings for
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 device 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 re-set by accessing “Settings – Primary Device.”
Controls and Alerts:
What are Controls and Alerts? What is the difference between a control and an alert?
Controls can be used to restrict transactions based on certain parameters, whereas
alerts are only notifications that a transaction has been conducted or attempted. Controls
facilitate the on/off CardValet setting, as well as limiting usage based on merchant type,
location, or transaction amount. Alerts can be set to notify you based on the parameters
you chose regarding merchant type, location, transaction amount, or you may choose to
be alerted for all card transactions.
What is the difference between the “My Location” control and the “My Region” control?
The “My Location” setting matches the cardholder’s location using the primary
mobile device’s GPS and the merchant’s location based on the ZIP code or city that
has been setup for the merchant. The “My Region” setting is established using city,
state or ZIP code on an interactive map, this option does not require you to carry your
primary device at all times.
What exactly is the range of the “My Location?” controls, and will this control
setting impact internet transactions?
The “My Location” controls and alerts will check to ensure the merchant location is
within a five (5) mile radius of the device set as “primary” within CardValet. These
controls impact “card present” transactions only, therefore internet transactions are
not typically impacted.
I swiped my card at a local merchant, but was still declined due to the “My
Location” or “My Region” control, why?
There are some local merchants that use out of area processors for their card
transactions, those transactions may be declined for these types of merchants if the
“My Region” or “My Location” controls are active. Please deactivate this control and
attempt the purchase again.
How exactly does the on/off feature work?
The on/off control within CardValet will allow you to block transactions at any time
for any reason. The on/off function will not affect transactions that were approved
prior to the card being turned off or to transactions that have been setup as recurring.
Can I block all international transactions?
International transactions can be blocked using the “International” location control.
Transactions will be limited to the United States. IF this option is selected, you will
not be able to also use either the “My Location’ or ‘My Region” controls. Always
contact the bank if you plan to travel outside of the country.
Will location controls, merchant controls, threshold controls, and turning the
card “Off” impact previously authorized recurring transactions?
Previously authorized and recurring payments will continue to process and will
bypass the CardValet edit checks.
How long does it take for a control or alert setting to take effect?
Control settings take effect as soon as the “Updating information” message in the app stops.
How are controls established for various merchant types?
Specific merchant types have been created within CardValet, and these merchant
types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences”
screen. Each of the merchant types contains various merchant category codes (MCC).
Merchant types currently supported include: Department Store; Entertainment; Gas Station;
Grocery; Household; Personal Care; Restaurant; Travel; and Others. Please note that it is
possible for a retailer to forward an MCC that may differ from the CardValet merchant
type classification. For example, a restaurant may be coded as a grocery store if it offers both services.
How can I turn off notifications at certain times such as when I am sleeping?
You can set the “Do Not Disturb” time that will suppress notification during the set
times. Some notifications will still be delivered, for example any transaction denial or
any transaction that is a card-present authorization.
If I set multiple alerts and a transaction fits more than one of the alerts will I
receive a separate message for each alert?
“Threshold” and “Location” alert settings, then you will see only one alert containing
this information, not two alerts.
When is a low balance alert generated?
CardValet updates the balance under two conditions: (a) when you log into CardValet
and (b) when you tap “Refresh.” Even if the balance has fallen below the threshold
that has been set, it is only updated when you log into the app or tap “Refresh,” which
then triggers the alert.
Will the controls effect transactions that have already been approve or those that
are monthly, recurring transactions?
No, recurring transaction and transactions that were authorized before controls were
set (including the on/off control) will not be impacted by CardValet.
Does the app show recent transaction history?
Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
What type of transactions display in CardValet?
CardValet only shows the transactions that are performed with the card. It does not
show those transactions that were completed on the account without using your card,
such as teller transactions or bill pay on an account.
Will the balance be updated to include teller transactions?
The balance will be updated to reflect the teller transactions once they have posted to
your account. The balance is updated the next time you log into CardValet or tap refresh.
What transactions make up the Spend Total and Balance displayed within
CardValet? How do these two features function?
The Spend Total is made up of all card based transactions conducted on all the cards
you have added into CardValet, this total resets monthly and can be useful in tracking
your spending and budgeting. The balance displayed is your available balance and is
refreshed each time you login to CardValet, or, when you tap the refresh icon.
If I use CardValet, do I still need to alert the bank when I travel?
CardValet gives you an added layer of security, but, it does not supersede the security
features that are already in operation. For your protection, you should always advise
the bank of your travel plans.