Your Card, on Your Terms
St. Thomas Credit Union now provides our cardholders with an extra layer of security for their debit card, through CardSecure. With our new mobile app, you can control your debit card’s usage and spending while you are on the go. Download the “ST Thomas CU” app today for your Apple iOS or Google Android devices.Control Spending
If you're trying to establish or stick to a budget, CardSecure 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. This flexibility 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.(This does not control ability to make international purchases. You still must contact the credit union to use your card internationally.)
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.Review Balances and Transactions
Monitor your finances from anywhere. Use the CardSecure “My Cards” within our mobile app to check your account balances.Travel Plan
Going on a trip? Travel plan provides cardholders the flexibility to create a travel exemption in our mobile app without the need to visit or call your credit union. By establishing a travel exemption, you can reduce the chances of a transaction denial when traveling. Using the travel plan feature, you can create up to 15 US States and/or international destinations. When creating a travel exemption, you will be required to complete a one-time passcode (OTP) verification.CardSecure 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
