CardNav FAQs

CardNav technology enables superior control, security, and financial visibility via your mobile phone. It lets you manage your debit card on-the-go with an intuitive mobile app.

You control when and where your card can be used, as well as view and act on instant alerts when transactions are processed. You can also perform card management functions such as turning the card on/off, and perform basic mobile banking functions such as view balances and transactions, transfer funds between accounts linked to a card, 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
  • Secure your accounts by locking your card when not in use and unlocking for use
  • Control department purchases to avoid misuse

What types of controls & alerts can I set/receive within the application?

The following controls and alerts can be customized individually by card:

Type Alert Preferences Control Preferences

Location

Based on where the transaction occurs

You can set up one of the following location policies. Only one location can be set at one time, and the location policy is always based on the primary device.

  • My Location – “Follow-Me” alert when your smartphone location is different from merchant location for in-store purchase transactions
  • Region – Transaction location is outside card-use area pre-defined by you, such as a region on a map, city, state, postal code or country
  • International – Does not allow your card to be used internationally

Set geographic restrictions where the card can/can’t be used.

  • My Location – Compare your smartphone location to the merchant’s location for in-store purchases
  • Region – Set regions, such as a region on a map, city, state, postal code or country for card usage
  • International – Does not allow card to be used internationally

 

Note: You’ll still need to notify us if you’re traveling, as all host settings override any CardNav settings.

Threshold

Based on the threshold amount set by the user

Any of the following alert threshold preferences may be set.

  • Card Threshold Amount – Alert is sent when transaction amount exceeds specified threshold amount
  • Account Low Balance Threshold – Alert is sent when the balance received by CardNav during login or refresh is below the specified threshold amount

Restrict transaction based on the dollar amount:

  • You can set a specific dollar amount for transaction

 

Set thresholds for available balance:

  • When you log in, the system requests updated balance information, which is compared with the alert settings, and if appropriate, an alert will be sent

Transaction Type

Based on type of transaction at point of sale

Any of the following types may be turned on to send an alert when a transaction of that type occurs:

  • In-store (card present)
  • Online (including Bill Pay)
  • Mail/phone order
  • Auto pay (recurring transactions)
  • ATM transactions (except balance inquiries)
  • Others

Any of the following types may be turned on to deny transactions of that type:

  • In-store (card present)
  • Online (including Bill Pay)
  • Mail/phone order
  • Auto pay (recurring transactions)
  • ATM transactions (except balance inquiries)
  • Others

Merchant Type

Based on the type of merchant where transaction occurred

Note: these are ignored for ATM and Auto Pay transactions

Any of the following types may be turned on to initiate an alert when a transaction of that type occurs:

  • Department Stores
  • Entertainment
  • Gas Station
  • Groceries
  • Household
  • Personal Care
  • Restaurants
  • Travel
  • Age Restricted
  • Others

Any of the following types may be turned on to deny transactions of that type:

  • Department Stores
  • Entertainment
  • Gas Station
  • Groceries
  • Household
  • Personal Care
  • Restaurants
  • Travel
  • Age Restricted
  • Others
On/Off  

Only allow transactions when you turn your card on:

  • A card can be turned on or off with a single touch
  • A card can be turned on for a short duration of time or purchase window
  • You can see and change instantaneous card status via a mobile application

 

Does the app require me to authenticate each time the application is started or accessed?

After the initial registration and two-factor authentication, you’ll only need to log in with your User ID and Password or a four-digit pass code if the application’s session has timed out.

Can the app be controlled from a desktop or laptop computer?

No, this is a mobile app and is controlled by a smartphone of tablet.

Will CardNav work outside the US?

Yes, if your phone works in that country, the app will work.

Does location functionality depend on phone signal?

An alert is triggered or a control is initiated by in-store transactions that occur outside of the area where your primary mobile device is located. The mobile device must have location services (GPS) enabled with permission to use the current location. If your phone is turned off, without cellular service, or does not provide GPS location coordinates it will use the last saved GPS location. However, if this situation occurs for more than eight hours, CardNav temporarily ignores the My Location policies. Transactions would not trigger alerts or control denials based on My Location preferences during this time; however an alert would be generated informing you that a transaction was conducted.

How long can I leave a 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 preform transactions.

How many cards can each user set up?

There’s no limit to the number of cards that you can set up, as long as the account is with SCE FCU.

If I have accounts with two different credit unions, can I manage the different cards from the same CardNav app?

A separate CardNav app would be required for each card that belongs to a credit union other than SCE FCU.

Are the in-app notifications via push, or do you have to be logged in?

Notifications are push notifications in app. You do not need to be logged in.

Does CardNav time out after a period of time?

Yes; however we recommend as a best practice that you set up a passcode, which requires entry of a four-digit code entry time the app is launched and every time the app comes to the foreground.

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 (deposits, returns and reversals) are exempt from this high-level control.