CardValet

Your card, on your terms

Download the CardValet App

  • Take charge of your usage
  • Monitor your transactions
  • Control how your card is used

CardValet allows you to control your debit card right from your mobile device! Download the app for your Apple iOS or Google Android device today!

CardValet lets you:

  • Turn your debit card on and off
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
  • Stay informed of potential fraud with alerts on attempted, declined transactions
  • Get real-time balances for your accounts

For more information, contact us at (304) 736-5271 or email us!

Control Spending

If you’re trying to establish or stick to a budget, CardValet® can help. Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via your mobile device. Going on vacation? Holiday shopping? Simply update your transaction controls to fit your spending needs.

Fraud Protection

A lost or stolen card is just one area of concern in today’s world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off,” no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas, add another layer of protection. And real-time alerts keep you informed when your card is used or declined.

Business Use

CardValet is a great tool for controlling business spending on a debit card. Use the transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.

Review Balances & Transactions

Monitor your finances from anywhere. Use the CardValet app to check your account balances.

CardValet FAQ's

Frequently Asked Questions

 


 

  • User Registration

  • Can multiple users register with CardValet using the same card?

    Only one user can register using a unique card number. Once you have registered using your card, you can add your dependent cards using the “Add Card” feature of CardValet to control and monitor all your cards from the same Financial Institution.

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  • I have two cards from different Financial Institutions that support CardValet. Can I register both cards with CardValet?

    You must create a unique Login Account for each Financial Institution, though you can use the same application. Each Login Account is applicable for a single Financial Institution. In the login page, the Logo of the last logged-in Financial Institution shows.

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  • My address is longer than 20 characters – what should I enter?

    You can enter the first 20 characters of the street address.

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  • When I register, the application says it sent a token to my registered email address. Which email does the token go to?

    If you have registered an email address with your Financial Institution, CardValet sends the token to that email address. If you have registered multiple email addresses, CardValet sends the token to the primary email address that you have registered with your Financial Institution.

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  • Can I use my online banking login credentials?

    No, you must create separate login credentials – including user name and password – for CardValet. These login credentials are not shared with any other system and are unique to CardValet.

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  • I have multiple cards with my Financial Institution but I see only one card in the application.

    You must explicitly register each card that you want to manage through CardValet. After you register with CardValet using your card, you can add additional cards through the “Add Cards” feature.

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  • Accounts Page

  • Why do I see two balances, and what do they mean?

    For your Checking and Savings accounts, you can see the “Available Balance” and “Current Balance”. Available balance reflects the actual amount that a user can still spend on the account while current balance reflects the balance as shown in the ledger, not including pending transactions.

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  • I set low balance alert but did not get an alert immediately after it went below. When is alert generated?

    CardValet updates your balance under two conditions (a) when you log in, and (b) when you tap refresh. Even if your balance has fallen below the threshold that you have set, it is only updated when you log into the app or tap refresh, which then triggers the alert. So you need to log into the app for the balance to be retrieved and the alert to be generated.

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  • I keep hitting refresh but it does not update balance. Why.

    There is a minimum time that must elapse between consecutive balance refreshes. Further, when you tap refresh, sometimes it may take several seconds to update the balance from your bank. You need to tap refresh or go back into the account details a second time to see the balance update in this case.

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  • Cards Page

  • I see card is on but inactive. What does this mean?

    The card on/off capability allows you to control when your card is on. Independently, your Financial Institution may set the card state to Inactive, for example if the FI has detected fraudulent activity on your card. If the card is inactive, it cannot be used regardless of your setting of on or off.

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  • Card Controls

  • I turned my card on and set My Location, and I was at the merchant location. My transaction still got declined, why?

    CardValet allows you to control your card and set rules for where it cannot be used. However, even if a transaction is consistent with the usage policies that you have set, it may be declined for other reasons – for example the transaction violated fraud rules or you do not have sufficient funds, etc. A transaction that fails your control rules will be declined, but a transaction that passes your control rules is still not always guaranteed to be approved.

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  • I turned my card off. Will recurring transactions go through?

    Yes, recurring transactions that have already been set prior to turning the card off will continue to go through.

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  • I turned my card off. Can I check my balances at ATM?

    No, once the card is turned off, no purchases or ATM activity can be performed. Balances can still be viewed from the CardValet app.

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

    Control settings take effect as soon as the “updating information” message in the app stops.

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  • Can I set controls from multiple devices? Which device is used for tracking location?

    Yes, you can log into the CardValet app from any device and set control and alert preferences. The one preference that depends on device is “my location”. CardValet uses the “primary” device (see Settings page) for proximity correlation of “my location”. Only primary device location is used for “my location”, and only one device can be primary for a user.

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  • I turned location to my location but it says location is not turned on in device. What should I do?

    You should turn on location tracking in your mobile device. My Location only takes effect if (a) location tracking is enabled in the mobile device, (b) location tracking is enabled for CardValet application, (c) My Location is enabled for control or alert on a card, and (d) device is primary for the user.

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  • When I set My Location, how far can I be from the merchant for transactions to still go through?

    Typically, the granularity of My Location is at the Zip Code level, which may be a few miles. In some cases, the Zip Code is not received as part of the transaction, in which case the granularity is at the City level, or sometimes even the State level within the United States (or Country level internationally). The important point to note is that location is not at the level of a few feet or even a mile – it is a few miles, and in some cases much wider.

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  • I set My Location but turned my phone off. Will my transactions get denied

    CardValet ignores location information that is more than 1 hour old. So, if your phone is off for more than an hour then My Location will not take effect, and the transaction will not be denied on the basis of the old location information.

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  • What happens if I leave my phone at home and turn on My Location?

    CardValet does proximity check at the granularity of Zip Code or City, so if you are shopping close to home your transactions will still go through. If you have left your phone at home and want to turn off My Location or use a different device, then you need to log in from a different device and either turn off My Location or change the Primary Device.

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  • I turned on My Location for my daughter’s card. How will it work?

    You should not turn on My Location for a card that you do not carry with you. You can use the Region feature to set usage preferences for where the card can be used. Set location preference to “Region” in the drop down menu, then Add a New Region to set the map to the area where you want the card to be used.

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  • I set region on the map. Does this mean card can only be used exactly in this region?

    The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a Zip Code or City. If the city or Zip Code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a Zip Code or City, in which case CardValet will default to a State-level match.

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  • What does the “International” setting mean?

    Setting “International” for Control preferences means that all international transactions are DENIED. Setting “International” for Alert preferences means that any international transaction will trigger an alert.

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  • I set a spend limit – for how long is this limit?

    The spend limit is the authorization limit for a single transaction.

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  • I set a spend limit of $50 but can’t fill gas in some stations. Why?

    There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. Examples include Gas Stations, Hotels, Car Rentals, Equipment Rentals, etc. – similarly many situations where you present a card and receive a service before paying for it. In such cases, a merchant may “pre-authorize” your card for a higher amount than the actual transaction – it is just a Hold on your account, the money is not actually charged to your account at that time. But in such cases, the pre-authorization may fail if the amount is greater than the limit.

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  • I set a spend limit of $50 but can’t fill gas in some stations. Why?

    CardValet controls are only invoked during authorization of a transaction. In some cases, such as Gas Stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will pre-authorize for a max amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

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  • Why did my transaction get denied?

    There are many reasons why a transaction may be denied. You may not have sufficient funds, the transaction may be suspected fraud, you may have set control preferences that cause denial, etc. If you look at the transaction details in CardValet, the reason for denial is often available and described as part of the transaction summary. If you tap the transaction details, if any of your preferences caused the denial, they will be listed.

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  • I added my son’s card to my CardValet app. I turned it off but it turned on again. Why?

    A shared card may be controlled by multiple users. For example, both you and your son may have added the card to your respective apps. Even if you turn off the card, he may have turned it back on.

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  • Card Alerts

  • I don’t want to receive alerts when I am sleeping. How do I turn off notifications at certain times?

    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.

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  • I set control preferences. Do I need to set alert preferences separately for the same card?

    Yes, control and alert preferences perform different functions. If you set control preferences and a transaction gets denied, you will receive an alert notification immediately. But if you want a transaction to go through but still be alerted, you need to set alert preferences.

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  • How long does it take for an alert setting to take effect?

    Alert settings take effect as soon as the “updating information” message in the app stops.

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  • Can I set alert preferences from multiple devices? Which device is used for tracking location?

    Yes, you can log into the CardValet app from any device and set control and alert preferences. The one preference that depends on device is “my location”. CardValet uses the “primary” device (see Settings page) for proximity correlation of “my location”. Only primary device location is used for “my location”, and only one device can be primary for a user.

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  • I turned location to my location but it says location is not turned on in device. What should I do?

    You should turn on location tracking in your mobile device. My Location only takes effect if (a) location tracking is enabled in the mobile device, (b) location tracking is enabled for CardValet application, (c) My Location is enabled for control or alert on a card, and (d) device is primary for the user.

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  • When I set My Location, when will I get a transaction alert?

    You will receive a transaction alert notification if the location of the merchant is not in the vicinity of the primary device of the card holder. Typically, the granularity of My Location is at the Zip Code level, which may be a few miles. In some cases, the Zip Code is not received as part of the transaction, in which case the granularity is at the City level, or sometimes even the State level within the United States (or Country level internationally). The important point to note is that location is not at the level of a few feet or even a mile – it is a few miles, and in some cases much wider.

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  • I turned on My Location alerts for my daughter’s card. How will it work?

    If you turn on My Location alerts for a card that you do not carry with you, it will alert you on transactions when your dependent is not with you. You can use the Region feature to set alert preferences for typical usage region of the card. If the card is used outside of the region, you will be alerted.

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  • I set region on the map for alerts. Does this mean card can only be used exactly in this region?

    The region shows the approximate area where the card is typically expected to be used used. CardValet can typically map the transaction down to a Zip Code or City. If the city or Zip Code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a Zip Code or City, in which case CardValet will default to a State-level match. If the card is used outside of the specified region, you will receive an alert notification.

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  • What does the “International” setting for alerts mean?

    By setting “International” alert preference, you will receive an alert notification if the card is used at a store outside your home country.

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  • Why did I receive a transaction alert?

    The reasons for receiving a transaction alert will be listed on the back of the transaction details. Please tap on the transaction details to flip the box and see the alert preferences that were triggered.

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  • Transactions

  • I am not able to see my teller transactions or bill pay on account.

    CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account but without using your card, such as teller transactions.

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  • Manage Accounts

  • I see accounts that I don’t want to manage from my app. How do I turn these off?

    Please go to the Settings page and tap the “Manage Accounts” link. You can now enable or disable the accounts and cards you want to manage. You must manage at least one card and at least one account. Please remember to tap OK to save your settings.

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  • Funds Transfer

  • I want to transfer funds between my CardValet account and another bank account. How do I do it?

    You can only transfer funds between accounts linked to the same card using CardValet.

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  • Find Us

  • I don’t find ATMs close to my location though I know they exist.

    CardValet uses Google’s search engine for locating ATMs of your financial institution, and all ATMs in your search region. Sometimes, this search engine does not locate all the ATMs.

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  • Session

  • The login page keeps coming up even if I open the app after a few min. Why is this?

    For security purposes, CardValet ages out your login session after some time. So you have to log into the app again if the app is idle for some time.

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  • Settings

  • I changed phones, and I am not able to see alerts. What do I need to do?

    Please log in from the new phone, go to the Settings page, and enable the device as “Primary Device”. Primary device is the device to which alert notifications are sent, and the device that is used to correlate your location for the “My Location” feature. Please note that you must have the notifications enabled on the phone for this application, and location enabled for My Location to work.

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  • I turned on notification, but I am not able to see notifications. What do I need to do?

    You need to enable notification on the phone for the application, and you need to Enable Notification in the app in the Settings page, and you need to enable Primary Device on the phone, to receive alert notifications. All three conditions must be met for you to receive alert notifications.

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  • I set “Do Not Disturb” but still get some alerts. What is going on?

    CardValet sends alerts for all “card present” events, including in-store transactions, regardless of the Do-Not-Disturb setting. This is because the user is expected to be at the store and making the purchase for card present transactions.

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  • Network

  • I see server unreachable error. What does this mean?

    “Server Unreachable” error means that the CardValet application could not connect to the CardValet server that communicates with your financial institution. Please tap on the bar again – sometimes the server is unreachable when your network connectivity is weak or intermittent, and retrying the connection by tapping on the “server unreachable” message connects the application to the server.

    If the problem persists, you may have to kill the application and restart it.

    If the server is down for maintenance, the problem may persist and you may have to try later.

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  • I see network is available but app says “no network connectivity”. What does this mean?

    Please kill and restart the application. If the network connectivity is indeed available, the application should start and try connecting to the server. Sometimes, when the network connectivity is weak or intermittent, you may have to restart the application to connect to the server.

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  • Privacy

  • If I turn on My Location, who can see my location?

    CardValet does not maintain a history of your location. Your current location is only used for the purpose of correlating with the merchant location when you do a transaction. This location is not stored and is transient in the CardValet server. CardValet does not maintain a record of your location history.

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  • CardValet Version 3

  • If I have multiple cards can I unmanage just one of the cards and still be able to use CardValet for the other card I have?

    Yes. Specific cards can be “unmanaged” through the Settings option. Un-managing a card does not affect the remaining cards enrolled in CardValet

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  • If I have multiple devices, can I download the app on each device and use the same username and password for each device?

    Yes, you can log in on multiple devices.

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  • Does CardValet give you an alert on credits?

    The alert for a “return to merchant” or deposit displays the verbiage “Posted Credit.” In addition, these transactions display with a green font on the Transaction screen and the credit amount is deducted from the “Spent on cards this month.”

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  • What is the difference between “Disable Account” and “Unsubscribe?”If I have multiple devices, can I download the app on each device and use the same username and password for each device?

    The user continues to be enrolled in CardValet even though the account may be disabled. When the profile displays as “Disable Account” the user is unable to log into CardValet. “Unsubscribe” is selected to completely remove the user from CardValet.Yes, you can log in on multiple devices.

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  • How do you do a deposit through CardValet?

    CardValet tracks card-based transactions, therefore the deposits that would be tracked and reported through CardValet (and deducted from the “Monthly Spend”) would be deposits made at the ATM using your card.

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  • So only mobile and ATM deposits will be displayed under deposits?

    Only ATM deposits are displayed.

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  • Can I or other account holders add multiple cards from the same account?

    Yes, as long as the cards are debit cards from your First State bank account.

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  • Will returns show as a credit on the monthly total?

    Yes, returns will be deducted from the monthly spend that displays for all cards, as well as the specific card that was used for the return.

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  • Will the old app continue to work after the new app is released?

    No; cardholders will be required to download the new app.

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  • When merchant or spending limit controls are in place for multiple users (i.e. controls a parent has put in place for merchant category for a child) can the child override those controls?

    Yes – but only if the child is aware of the CardValet app and has sufficient information to register. Within 3.0, an alert is sent to other users who have registered the same card number stating that a control has been changed.

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  • When unmanaging, does that actually delete the card from the app or will it still show in the settings screen?

    The card continues to display in the settings/Manage Card screen. When a card is unmanaged, the card is no longer tracked for transactions and no longer displays when the user logs into CardValet.

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