Debit & Credit Card Controls

Monitor and Control Spending on Your IUCU Debit and Credit Cards with Card Controls

Card Controls is a free service that allows you to control when, where and how your debit and credit cards can be used and provides customized transaction alerts.

Turn each card on and off instantly whenever you choose and set up transaction limits based on location, merchant type or spending limits. Set alerts to monitor transactions.

It’s Easy to Enroll!

From Online Banking, click on Card Controls in the main menu bar. From our Mobile app, click on More and then Card Controls. All debit and credit cards that are listed on your account will display after accepting the Terms and Conditions. There are no separate usernames or passwords required for Card Controls.

Turn Your Cards On and Off Instantly and Set Controls and Alerts

Each of your cards can be controlled individually. Just select a card and click the Action buttons to see a list of options for declines and alerts. Choose how you would like to receive alerts: text, email, push notification or all three. Change your declines and alerts preferences whenever you choose.

• Turn cards on and off
• Restrict types of purchases made
• Receive instant transaction alerts
• Restrict international transactions
• Limit spending amounts per transaction per card
• Set card alerts to monitor purchases and take immediate action

Card Controls FAQs

• Can I set Card Controls individually on all of my IUCU cards and how can I tell them apart?
  • Yes. The main Card Alerts and Controls screen will display all your debit and/or credit card(s) with the On/Off status of each card. Each card can be identified by the last four digits of your card.
    
    You can add a nickname to each card to assist with identifying each card.
    
    
• How do I turn my card(s) On/Off?
  • To turn your card ON/OFF, simply tap on the toggle to set your desired card status. Changes to your card status are instant, so you are in control of when your card may be used.
    
    When the card is turned ON (default), you can use it to make purchases and other normal transactions.
    
    When the card is turned OFF, one-time transactions using your card or card number will be blocked. Recurring transactions will still process even when your card is turned OFF.
    
    
• How will I receive alerts?
  • The Alert delivery options screen allows you to customize how you will receive your card alerts. If you have Push Notifications and Text Message Banking enabled on your device, then all delivery options will default to On.
    
    If you do not want to receive an alert via a particular method, simply toggle that method off. At least one delivery method must be enabled for each card.
    
    If an option to enable Push Notifications does not display, you can enable them by accessing Mobile Banking. Click on More > Settings Icon > Push Notifications. You must enable at least one Push Notification. The Push Notification screen will allow you set up other account alerts such as balance reminders. Once Push Notifications are enable, please return to your Card Alerts and Control screen. If you click Alert Delivery Options, you will now see the toggle to enable Push Notifications for Card Alerts.
    
    If an option to enable SMS Text Alerts* does not display, you can enable them by logging into Online Banking and clicking Services and Tools > Alerts. (The Alerts and Notifications screen will allow you set up other account alerts such as balance reminders.) Follow the onscreen prompts to add your phone number for Text Message Banking. Once Text Message Banking is enabled, please return to Card Controls’ Alert Delivery Options, where you will now see your phone number and a toggle to enable SMS Text Alerts for Card Alerts. Alerts will come from 454-545.
    
    If your email alerts are turned on and you are not receiving emails, look in your Junk or Spam email box. Emails come from no-reply@iucu.org. In the body of the email, it will reference Card Controls.
    
    Phone numbers and Email Addresses are pulled from the Alerts and Notifications setup in Online Banking.
    
    *Message and Data rates may apply.
    
    
• Can I prevent alerts from being delivered during certain timeframes?
  • Yes. Enabling Card Alerts and Controls’ Do Not Disturb functionality will delay the delivery of card alerts during your designated time period. Just click on the default times and choose your Start and End times. Any card alert generated during your Do Not Disturb period will be delayed until your End Time expires.
    
    
• Can I choose which alerts to receive?
  • By default, alerts are enabled for All Transactions. If you do not want to receive Alerts for every transaction, you can change your preference to Preferred Transactions or Blocked Transactions Only. To help protect your account, we will always send an alert if you are blocking transactions and one is attempted. If you receive an alert on transactions that you did not authorize, please contact us immediately 812-855-7823.
    
    
• What kinds of transactions can I control?
  • You may set declines and alerts for transactions based on merchant type, transaction type, location type and spend limits. See below for more information on each type:
    
    Transactions by Merchant Type
    The Merchant Type* screen allows you to BLOCK transactions from specific merchant categories such as Gas Stations, Groceries stores, hotels and airlines in the Travel industry and many more. If you have your “Send Alerts for” setting set to Preferred Transactions, you can also turn on or off alerts from specific merchants. If you are BLOCKING the merchant type, you will not be able to turn off the alert.
    
    *IU Credit Union does not control what category the merchant may fall under when a transaction is attempted. Mastercard® establishes merchant Category Codes.
    
    
    
    
    
    Transactions by Transaction Type
    The Transaction Type screen allows you to BLOCK transactions by types such as Mail/Phone Orders, ATM, Online and more. If you have your “Send Alerts for” setting set to Preferred Transactions, you can also turn on or off alerts for specific types. If you are BLOCKING the transaction type, you will not be able to turn off the alert.
    
    
    
    
    
    Transactions by Location Type
    The Location Type screen allows you to BLOCK transactions from merchants processing transactions internationally. If you have your “Send Alerts for” setting set to Preferred Transactions, you can also turn on or off alerts for foreign transactions. If you are BLOCKING foreign transactions, you will not be able to turn off the alert.
    
    
    
    
    
    Transactions that exceed your set Spend Limits
    The Spend Limits screen allows you to BLOCK transactions greater than the amount you enter on screen. You can also enter a dollar amount to receive alerts greater than the amount you entered. If you only want to receive alerts on transactions above the threshold you entered, you will need to disable all alerts for Merchant, Transactions, and Location types. Any transaction that is BLOCKED will trigger an alert even if it is lower than the amount you entered.