Protect your account from Fraud
Manage your debit cards by remote control
Fraudsters have been making a lot of headlines lately, but we have good news for Alliance CU debit cardholders…introducing unprecedented, real-time control over your debit cards through your smartphone or tablet. CardNav 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.
Download the CardNav app, and gain a new level of security and control over your money today.
Frequently Asked Questions:
What is CardNav?
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.
What are the benefits?
• 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
How does CardNav work?
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.
What Does CardNav Do?
CardNav has many services to give you:
–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
–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
–Stop fraudulent transactions in their tracks. CardNav will automatically decline
transactions that fall outside of your chosen settings.
Can the app be controlled from a desktop or laptop computer?
No, this is a mobile app and is controlled by a smartphone or tablet.
Will CardNav work outside the U.S.?
Yes. If your phone has an internet connection, the app will work.
Can transactions be conducted in foreign currencies?
Yes. Transaction amounts are displayed in US currency, but transactions may be initiated and authorized in any currency.
How long can I leave my card “off”?
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.
How many cards can each user set up?
There is no limit to the number of cards that a user can set up; however it must be an Alliance Visa Debit Card.
Do CardNav controls work regardless of how the card is used (i.e., plastic, EMV, Apple or Android Pay)?
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.
Are the alerts via push, or do you have to be logged in?
Alerts are push notifications in app. You do not need to be logged in.
What if I have my card turned off and a recurring utility bill wants to charge my card? Will that transaction be denied?
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.