are set, and can vary based on spending restaurants, hotels, car rentals, preferences. etc. can settle for up to 15% Online Banking Log into online higher than the amount – banking, click authorized to include tips. The “Additional Services”, Alerts and merchant is not required to “Card Control”, and Control request a second approval. “Alerts Preferences”. For gas transactions: the CRCU Mobile App into merchant will authorize the – the CRCU Mobile App, click initial transaction for different more and select card control. amounts ranging from $1 to (may vary depending on device) $100 (in many cases, higher amounts). The hold expires 1 What if I have my card turned off and a minute later and the recurring bill wants to charge my card? transaction will clear for the Will that transaction be denied? actual amount, not the No, turning off cards will not block authorized amount. recurring payments. When the card is off, real time transactions are blocked Why is there a delay in receiving my by Card Controls and alerts are card alerts? generated. Auto-pay transactions and Alerts are sent immediately after a credits (deposits, returns, and reversals) transaction comes through most of are exempt from this high-level control. time. Occasionally there may be a push notification delay in delivery by google Can I receive push notifications? or apple or if there is a delay in the Yes. You can receive push notifications system processing the alert. through the CRCU app. You do not need to be logged in. Will the credit union continue to monitor my card for out-of-pattern What do I do if I receive an alert for a activity? transaction I do not recognize? Absolutely, these controls are in Report any suspicious transactions addition to the current fraud detection immediately to the number on the back measures we have in place. of the card, 1-844-453-2412. Why did the transaction clear or post Why did I receive an alert of a for an amount higher than the amount purchase that was made authorized? internationally when I have not The merchant receives an traveled outside the United States? authorization for the Sometimes merchants that advertise transaction, but gas, over the internet, by mail, or by phone
are set, and can vary based on spending preferences. Online Banking – Log into online banking, click “Additional Services”, “Card Alerts and Control”, “Alerts and Control Preferences”. CRCU Mobile App – into the CRCU Mobile App, click more and select card control. (may vary depending on device) What if I have my card turned off and a recurring bill wants to charge my card? Will that transaction be denied? No, turning off cards will not block recurring payments. When the card is off, real time transactions are blocked by Card Controls and alerts are generated. Auto-pay transactions and credits (deposits, returns, and reversals) are exempt from this high-level control. Can I receive push notifications? Yes. You can receive push notifications through the CRCU app. You do not need to be logged in. What do I do if I receive an alert for a transaction I do not recognize? Report any suspicious transactions immediately to the number on the back of the card, 1-844-453-2412. Why did the transaction clear or post for an amount higher than the amount authorized? The merchant receives an authorization for the transaction, but gas, restaurants, hotels, car rentals, etc. can settle for up to 15% higher than the amount authorized to include tips. The merchant is not required to request a second approval. For gas transactions: the merchant will authorize the initial transaction for different amounts ranging from $1 to $100 (in many cases, higher amounts). The hold expires 1 minute later and the transaction will clear for the actual amount, not the authorized amount. Why is there a delay in receiving my card alerts? Alerts are sent immediately after a transaction comes through most of time. Occasionally there may be a push notification delay in delivery by google or apple or if there is a delay in the system processing the alert. Will the credit union continue to monitor my card for out-of-pattern activity? Absolutely, these controls are in addition to the current fraud detection measures we have in place. Why did I receive an alert of a purchase that was made internationally when I have not traveled outside the United States? Sometimes merchants that advertise over the internet, by mail, or by phone
2018cardcontrolfaqs.docx