CardValet

Powerful card management at your fingertips. 

Use the CardValet® App to manage your White Rose Credit Union Debit and Credit cards with the ultimate customization and unique features to help you with spending and fraud.

 

With Card Valet, users can:

  • Enable and disable their credit or debit cards at any time
  • Set up geographical restrictions on where their card(s) can be used, including whether they can be used online or just in-store
  • Restrict or allow transactions based on specific merchant types like gas stations, restaurants, or travel services
  • Establish transaction limits to avoid unauthorized purchases and overspending
  • Schedule alerts for certain locations amounts or merchant types
  • Add notes and tags for easy viewing
card controls, Card Valet, Card management app, card management option

Available on the App Store and Google Play!

Please see below for FAQ about CardValet.

General Information 

What types of phones are supported by CardValet?
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CardValet works with the most recent mobile operating software as well as two past generations of Android™ and iPhone® devices.

Does CardValet work for ATM cards?
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No. CardValet currently only supports debit cards and credit cards.

What is the login web address?
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There is no web address to the Login page—CardValet is a stand-alone mobile app. The app runs on the mobile device, not through a web browser.

Can a cardholder unsubscribe from CardValet?
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Yes. Cardholders— through the CardValet app | Manage Portfolio. Uncheck all cards and accounts and tap OK.

How long does the app stay logged in without the before automatically signing out?
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The app automatically logs the member off after 10 minutes of inactivity.

What is included in “Spent on card this month?”
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“Spent on card this month” displays the total amount that is calculated from the cumulative spending on all managed cards in the month to date.  At the end of every month, the system automatically resets the monthly spending amount to zero (0). Deposits and refunds are deducted from the total.

Registration

What are the CardValet password requirements?
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A minimum of 8 characters and contain: – 1 upper case character – 1 lower case character – 1 number – 1 special character.

What happens if I forget my password?
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A token request will be sent to you via the email address provided when creating your CardValet account. If you do not receive this email within 5-10 minutes, check your spam and junk folders.

Can multiple cards be linked to one registered CardValet Account?
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Yes. Cardholders can register multiple White Rose Credit Union issued cards within a single CardValet app. Additional cards can be added within the “Settings – Add Card” screen. There is no limit to the number of cards that can be added. However, if you have other debit and credit card(s) issued by other financial institutions, they may be incompatible with CardValet unless they are CardValet clients.

 

How long can the cardholder’s address be?
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CardValet accepts an address up to 50 characters. The address and ZIP code must match the primary or owner address located on the cardholder record.

How many cards can be registered in the CardValet app?
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15 cards.

What is the purpose of assigning a primary device? Can I make changes to the settings from the non-primary devices?
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You can download the card on multiple devices; however, you must indicate which device is “primary.” The primary device is used to track the GPS for “My Location” alerts and controls. All merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card. Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing “Settings – Primary Device.”

Do cards require an update in CardValet if they are reissued or replaced?
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If the card number does not change, no. If the card number is new, yes. Add the new card number to the cardholder’s profile. Unmanage the old card through the CardValet app | Manage Portfolio. Uncheck all cards and accounts and tap OK.

Phone App

Does CardValet display the card status?
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Yes. The Card Details section displays the card status—Active, Inactive, or Restricted.

Does the app show recent transaction history?
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Yes. The app shows the last 50 card-based transactions pending or posted within the last 30 days.

When does the 30 days of transaction history start?
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When the cardholder registers in CardValet.

What type of transactions display in CardValet?
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CardValet only shows the transactions performed with the card. It does not show the transactions without the card, such as teller transactions or bill pay to or from an account.

Controls and Alerts

What is the range of the My Location control, and does it impact internet transactions?
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5-mile radius of the primary device. My Location impacts card-present transactions only, therefore internet transactions are not impacted.

If “My Location” is set but the primary device is off, will transactions get denied outside of the “My Location” area?
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CardValet ignores location information that is more than one (1) hour old. So, if the phone is off for more than an hour “My Location” controls will not take effect, and the transaction will not be denied on the basis of the old location information.

What happens if “My Location” is set but the phone is left at home? Will transactions be denied outside the “My Location” area?
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CardValet performs a proximity check at the granularity of zip code or city. If the merchant is close to home then the transactions will still go through.

A region has been set on the map. Does this mean the cards can only be used exactly in this region?
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The region shows the approximate area where the cards 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.

Can I block all international transactions?
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Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

Do location controls, merchant controls, threshold controls, and turning the card off impact previously authorized recurring transactions?
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No. Previously authorized recurrent payments continue to process and bypass the CardValet edit checks.

How long does it take for a control or alert setting to take effect?
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Immediately. Control settings take effect as soon as the Updating information message in the app disappears.

How do I turn off notifications at certain times such as when I’m sleeping?
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The user can set a specific “Do Not Disturb” time that will then suppress notifications during the set times. Some notifications will still be delivered; for example, any transaction denial or any transaction that is a card-present authorization. The user can also disable ALL alerts by going through the card alerts drop down box.

 

Are the alerts sent as email or “push” notifications to the device?
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CardValet alerts are sent as push notifications to the phone. The alerts also display under “Messages” in the CardValet app.

If I have set an alert for international transactions and no controls are set, will I receive alerts for all international transactions regardless of whether the transaction is blocked or successful?
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Yes. An alert is generated regardless of whether or not a control preference is set.

Are the alerts sent as email or push notifications to the device?
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CardValet alerts are sent as push notifications to the phone. The alerts also display under Messages in the CardValet app.

Transactions

Does the app show recent transaction history?
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Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

What type of transactions display in CardValet?
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CardValet only shows the transactions that are performed with a registered Credit or Debit Card. For example, it does not show teller transactions or bill pay activity on an account.