Alliance Credit Union
800.232.8669 Routing Number : 321176804
800.232.8669   Routing Number : 321176804


Protect your account from Fraud
Manage your debit cards by remote control

Alliance offers real-time control over your debit cards through your smartphone or tablet. The CardNav app adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. This allows you to immediately identify unauthorized transactions and gives you the ability to temporarily turn your card off to avoid further unauthorized charges. You can even set personal spending limits that help you stay within your budget goals.
  • Turn cards on or off in seconds.
  • Use GPS to restrict transactions to businesses within a designated area.
  • Limit card use to specific merchants, or purchases.
  • Receive near-real-time alerts that alert you to unauthorized purchases to help prevent additional fraud.
  • Receive alerts when you’re getting close to any personal spending limits you’ve set.

Don't forget to notify us of your travel plans, even if you have Location Services enabled, to be sure your transactions are not declined by our fraud detection service.

Download the CardNav app, and gain a new level of security and control over your money today.

Frequently Asked Questions:

Debit card holders can control when and where their cards can be used as well as view and act on instant alerts when transactions are processed, perform card management functions such as turning the card on/off, and perform basic mobile banking functions such as view balances and transactions, and search for nearby ATMs.
• Control when and where your card is used
• Receive near-real-time notifications to alert you of any unauthorized use
• Access and manage cards anytime, anywhere
• Secure your accounts by locking your card when not in use and unlocking for use
• Control dependent purchases to avoid misuse
• Track monthly spending at a glance
CardNav enables you to define controls for card usage and to define preferences for alerts to be received when transactions using the enrolled card are made or attempted. You enroll by downloading an app to a smartphone. Using two-factor identification such as username and password, your identity is verified. Once enrolled, you can set real-time controls and receive near-real-time alerts based on preferences identified.  You can either access CardNav by clicking the CardNav link within Mobile Banking or go to the App directly on your phone after downloading it from the Apple App or Google Play stores.
CardNav has many services to give you:
Controls –From the convenience of your smartphone:
  • Turn the card on or off
  • Limit the geographic locations where the card may be used
  • Set thresholds for transaction amounts
  • Specify the types of transactions and merchants where the card can be used
Alerts –Members can choose to receive real time alerts:
  • By Location – based on where the transaction occurs
  • By Transaction type – based on type of transaction at point of sale
  • By Merchant type – based on the type of merchant where the transaction occurred
  • By Threshold – based on the threshold amount set by the user
Limit Fraud –Stop fraudulent transactions in their tracks. CardNav will automatically decline
transactions that fall outside of your chosen settings.
No, this is a mobile app and is controlled by a smartphone or tablet.
Yes. If your phone has an internet connection, the app will work.
Yes. Transaction amounts are displayed in US currency, but transactions may be initiated and authorized in any currency.
You can turn your cards off, leave them off as long as you want to, and only turn them back on when you want to perform transactions.
There is no limit to the number of cards that a user can set up; however it must be an Alliance Visa Debit Card.
Correct, that is the beauty of this product. EMV helps prevent fraud for card-present transactions. CardNav also helps identify potential fraud for card-present, online and auto-pay transactions.
Alerts are push notifications in app. You do not need to be logged in.
When the card is off, most card transactions are denied by CardNav and alerts are generated for attempted transactions. However, auto‑pay transactions and credits (deposits, returns and reversals) are exempt from this high‑level control.