CardControl

CardControl: General Questions

• What are the features?
  
  • Turn card on/off
  • Receive instant transaction alerts
  • Set spending limits
  • Establish controls to restrict/allow transactions
  • Spending Insights to help track your purchases
• Is this product available for business debit cards?
  

  Yes!

• What happens if I lose my phone and have the CardControl app enabled on my device?
  

  Simply log in to your OnLine Banking profile to access CardControl and manage your settings or contact us at 1-800-645-4728 to assist you.  Don’t forget to report your phone lost/stolen to your phone carrier.

• Does CardControl work for ATM Cards?
  

  No, CardControl currently only supports GSCU Visa^® Debit Cards.

• Can multiple cards be linked to one registered CardControl account?
  

  Yes, cardholders can register multiple cards within their CardControl profile.  Additional cards can be added by selecting “Add Card”.

• When cardholders receive a reissued or replacement card, will they have to update their cards within CardControl?
  

  The reissued or replacement card will automatically appear within CardControl for the user to manage.  In addition, the user may hide cards within CardControl “Settings”.

• What types of transactions display in CardControl?
  

  You can see all card transactions from the past year. 

• How does a cardholder turn off notifications at certain times, such as when a cardholder is sleeping?
  

  Go to “Settings” and select the Do Not Disturb option, which will limit alerts during the time that is set.

• Can I use CardControl for non-GSCU debit or credit cards?
  

  No, only your GSCU Visa^® Debit Card can be enrolled in CardControl.

• How can I access CardControl?
  

  You can access CardControl through the GSCU Mobile Banking App or your OnLine Banking profile. In Mobile Banking, select the "Card" button in the navigation bar. In OnLine Banking, select "Manage Cards" from the navigation bar. 

• Will I know if my card is being used?
  

  Yes, if you have Alerts enabled.  Set up Alerts to All Transactions and you will receive notifications on your phone every time a transaction is attempted.

CardControl: Control Questions

• Can I block all international transactions?
  

  Yes. International transactions can be blocked using the “International” location control. When selecting this option, transactions will be limited to the United States. Also, for additional protection of our members' GSCU Visa^® Debit Cards, GSCU does internally block certain international countries.

• How long does it take for a control or alert setting to take effect?
  

  The control settings take effect in real time.

• What controls/limits impact my recurring payments?
  

  Previously authorized recurring payments will continue to process and will bypass the CardControl settings.

• 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 CardControl. These controls impact “card present” transactions only, therefore internet transactions are not impacted.

• What happens if “My Location” is set but the phone is left at home? Will transactions be denied outside of the My Location area?
  

  CardControl performs a proximity check at the granularity of zip code or city, so if the merchant is close to home then the transactions will still be processed.

• What are Locations?
  

  When “My Location” controls are turned on, all in-store transactions are denied if the device and merchant locations don’t match.

• What are Regions?
  

  Regions allow you to assign each enrolled card to a geographical area. When a point-of-sale transaction is initiated, the merchant’s location is compared with your defined regions.  If the transaction occurs outside of your region(s), it is declined.

• What is a threshold amount?
  

  A threshold amount is the maximum dollar amount for a point-of-sale transaction. If a transaction exceeds your defined amount, the transaction is declined.

• What types of transactions and purchases can I restrict using CardControl?
  

  CardControl allows you to restrict debit card transactions for specific types of merchants (i.e. gas stations, grocery, etc.) and transaction types (online or in person). You can set transaction and monthly spending limits for each of your GSCU Visa^® Debit Cards.

• How are Transaction Types used?
  

  Use transaction types to control which transaction categories are permitted. For example, if you do not often travel internationally, you can disable international transactions until required, or you can disable any ATM activity.

• How are Merchant Categories used?
  

  Use merchant types to permit or restrict your debit card from being used with specific categories of merchants, such as restaurants, department stores, etc. For example, you can enable the merchant types for groceries and fuel for everyday purchases but disable entertainment and travel until required.