Online Banking


CardValet FAQ

 

Frequently Asked Questions

What is Card Valet?
Card Valet is a security feature that allows you to turn your FNCB Mastercard Debit Card on and off, set alerts, and/or block specified debit card transactions.

How do Card Valet work?
Using FNCB’s Mobile app, you decide what type of transactions you would like to allow on your FNCB debit card. You can set dollar limits, geographic restrictions, payment types, and more to ensure that your card is used exactly the way you intended it to be.

How can I receive alerts?
Alerts can be sent via text message and/or email.

How quickly does the on/off status or other restriction(s) take effect?
Transaction restrictions and alerts are active immediately once set. When you turn your card off, the change is instant, and all transactions will be declined until you turn the card on again. This is especially helpful in cases where your card was lost but then you find it later.

Who is eligible for Card Valet?
Customers with an FNCB debit card and active login for FNCB’s online are eligible to use Card Valet.

Why should I use Card Valet?
Card Valet puts the power back in your hands and lets you manage your debit card based on your comfort level. You can customize what will trigger alerts or decline transactions based on your unique spending patterns and because it is customized to you, there is an additional layer of security protecting your card from unauthorized activity.

How can I register for and/or setup Card Valet?
Log into the FNCB Mobile app and click on More then choose “Card Valet”. Or log into FNCB online banking, click on Additional Services and choose Card Valet. Read and accept the Terms and Conditions to activate the feature. Once activated, you can customize transaction limits, block specific types of transactions and set alerts for others, and turn cards off and on.

Can I manage Card Valet on more than one FNCB debit card?
Yes! From the main Card Controls screen, select the FNCB debit card from the list that you’d like to set up manage.

If I turn my FNCB debit card off using Card Valet, will my recurring transactions be blocked?
No. Any automatic, recurring debit card transactions - such as gym memberships subscriptions, and bill payments - will continue to be processed even when your card is turned off.

What happens when a transaction is blocked/declined due to Card Valet?
You will be notified immediately via text message and/or email that a transaction was attempted and declined due to the account restrictions you set. You have the ability to modify settings to permit approval if it is a legitimate transaction.

How much does it cost to use this service?
While Card Valet is free, standard text message and data rates assessed by your mobile carrier may apply if you opt to receive alerts via text.

Can I receive text alerts while traveling outside of the U.S.?
No, but if you’ve added your email address to your profile, you will still receive alerts via email.

Is this service secure?
Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your account number(s) or other personal information, please do not respond.

Use and Troubleshooting

How do I turn my card off/on?
From the main screen in Card Valet, choose your card and tap on the toggle switch to turn the card on or off.

How do I add/modify alerts and transaction restrictions?
Tap “Set Declines and Alerts,” specify the types of alerts you wish to get, and then customize alerts/restrictions by merchant type, transaction type, location type, and/or spend limits.

Where do I specify how I want to receive alerts?
To set your preferences, go to the “More” menu on the FNCB Mobile app or the “Additional Services” menu while logged into FNCB Online banking and add your email address and/or phone number to the Personal Information and Login & Security page. To enable text alerts, you will need to be enrolled in Text Banking & Alerts. You can do this by logging into FNCB Online banking and clicking on the “Notifications” menu.

Can I notify FNCB of travel plans through Card Valet?
No. To notify FNCB of your travel plans please visit an FNCB branch or call the Customer Care Center at 877-879-3622 to notify us of your travel plans.

Can I report my card lost/stolen through Card Valet?
No. While you can turn your card off, please contact us immediately at 877-879-3622 once you are sure your card is lost or stolen so we can assist in replacing your card and review your account for unauthorized activity.

Can I use Card Valet to stop recurring payments?
No. You will need to contact the merchant initiating the transaction to cancel recurring payments.

Why am I not getting any alerts?
Please ensure that your phone is able to receive third-party text messages. If these are blocked, you may need to contact your mobile phone carrier to have this removed if you wish to receive these text messages. Other reasons could include delays related to service area interruptions, or a merchant that is not processing transactions in real-time.

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