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What is card management?
Card Management gives you the ability to control your debit and credit cards. You have access to activate your cards, set your Personal Identification Number (PIN), lock/unlock your cards, set real-time transaction alerts and block unwanted transactions before they happen.
How do I access card management?
Log in to your account via Members 1st Digital Banking and navigate to Card Management from the menu in the top right.
Is there a fee associated with Card Management?
No, Members 1st provides this Card Management service at no cost to members.
How do I activate my card?
To activate your card, you can either call the number on the back of your card or log in to Members 1st Digital Banking, select “Card Management” and click the card you need to activate. Then, follow the on-screen prompts.
How do I manage or update my Personal Identification Number (PIN)?
To manage or update your PIN, you can log in to Members 1st Digital Banking, select “Card Management” and select the appropriate card. Then, follow the on-screen prompts.
What is the difference between locking my and and deactivating my card?
Locking a card through the Card Controls feature will place a temporary freeze on the card, blocking new transactions. However, recurring transactions will continue to be processed.
Deactivating a card will block all new and recurring transactions.
By locking or deactivating my card, am I closing my account?
No. Using Card Management does not change the status of your account.
If I have my card locked, will my recurring transactions go through?
Yes. Merchant recurring transactions will still be processed. You can select to receive alerts for recurring transactions as well.
I unlocked my card and tried to make a purchase, but my transaction was still declined. Why?
If this occurs, please contact Customer Service during their normal business hours via chat or at (800) 237-7288.
How can I stop alerts if I no longer want to receive them?
Log in to Members 1st Digital Banking, select “Card Management” and click on the appropriate card. Then, click “Alerts & Notifications” and deactivate any or all alerts under “Transaction and Merchant Alerts".
Will alerts be sent to me if I'm traveling internationally?
Card Management texts are only sent if you have a US phone number on a supported US carrier network, though delivery is not guaranteed. To stay informed, please ensure your email address is up to date, as emails can be sent 24/7. Additionally, if you have “Push Notifications” enabled, you may still receive alerts depending on your phone carrier and plan.
What is a real-time notification?
It is an immediate notification used to alert members of transactions made using their debit and/or credit cards. Alert preferences can be selected based on per transaction limit, transaction type and merchant type.
How long does it take a control or alert to take effect?
Controls and alert changes occur in real time and will take effect immediately after changes are made and saved.
I received a new card number. Will alert preferences from my old card be transferred to my new card?
No. To set up alert preferences for new card numbers, please navigate to Card Controls in Members 1st Digital Banking or our mobile app to select your preferences for the new card.
I enrolled in alerts for card controls but I'm also receiving additional alerts for the same transactions. How can I manage these alerts?
If you’re receiving multiple alerts for the same transaction, it could be because you’ve enrolled in alerts through Members 1st Digital Banking in addition to VISA (opens in a new tab) or eZCard Info (opens in a new tab). To adjust your settings, we recommend checking each of these platforms to review and manage your alerts.
I received a notification for a transaction that was an amount more than I paid. Why?
Some merchants send pre-authorizations at higher amounts to test a card's validity. Pre-authorizations are common at gas stations, for a hotel stay or for a car rental. Even though you are notified of the higher pre-authorized amount, only the correct amount will clear your account.
What if I need help with the card controls service?
There is a chat feature in the bottom right corner of digital banking to assist you with setting up your card(s), and you can always call Customer Service at (800) 237-7288 during normal business hours for additional assistance.
Can I stop a transaction once it has been authorized?
No, once authorization is given for a purchase, the associated transaction will post to the account regardless of any controls or alerts set. If you receive an alert for a transaction you believe to be fraudulent or unauthorized, please call Customer Service at (800) 237-7288 during normal business hours for additional assistance.
What type of merchant categories are there?
Understanding the different merchant categories can help you better manage and track where you’re spending your money.
In-Store Transactions: Includes department stores, pharmacies, home supply stores and other places here you sign for your purchases.
E-Commerce Transactions: Includes online bill payment, online shopping and other purchases you make via the internet.
ATM Withdrawals: Includes ATMs, cash dispensers and any other places you can withdraw cash.
Autopay Transactions: Includes Automated bill payment, monthly subscriptions and any other payment that you may schedule on a recurring basis.
Mail/Phone Order: Includes purchases made via telephone, mail, internet or other non-physical means.
Contactless Transactions: Includes in-store or ATM Tap & Pay methods like Google™ or Apple Pay®.
Other Transactions: Includes any transactions that are not covered by the categories listed above.
What type of transaction categories are there?
Understanding the different merchant categories can help you better manage and track your transactions.
Transportation: Includes auto services, gas station, parking and tolls.
Household: Includes maintenance/repair, communication, cable, chemical, utilities, home decor, home improvement, housekeeping, security, laundry and rental services.
Age Restricted: Includes liquor stores, tobacco stores, bars, gambling and dating.
Food & Dining: Includes grocery stores and restaurants.
Entertainment: Includes games, music, movies, recreational activities, parks and other activities.
Shopping: Includes clothing, electronics, accessories and other stores.
Gifts and Donations: Includes gifts or donations to charities or relief organizations.
Personal Care: Includes doctor, pharmacy, sports, beauty products, wellness and child services.
Education: Includes books, tuition and educational fees.
Travel: Includes lodging, airline, auto rentals, train and other travel services.
Miscellaneous: Includes items not listed in the other merchant categories.
Why would I use card controls?
Here are a few scenarios:
Scenario #1: You want to restrict your debit card to only be used for ATM transactions. You can do so by logging in to Members 1st Digital Banking and turning on merchant controls or all categories except Cash Withdrawal.
Scenario #2: You want to be notified when your credit card is approved for a transaction in store and/or online. You can log in to Members 1st Digital Banking and set up alerts for the In-store and eCommerce transaction types.
Scenario #3: To manage your monthly budget, you want to set monthly transaction limits on your debit card. You can log in to Members 1st Digital Banking and set your monthly transaction limit to your budgeted amount.
Scenario #4: You rarely use your debit card for purchases. To prevent unauthorized transactions, you can log in to Members 1st Digital Banking and lock your debit card.
Scenario #5: You are unsure if you lost your debit card. You can log in to Members 1st Digital Banking and “Lock” your debit card. Payment requests will be declined, preventing anyone who potentially finds the card from being able to use it. If you find your card, you can log in to digital banking and “Unlock” your debit card.
Scenario #6: Your credit card is damaged but still usable. You can log in to Members 1st Digital Banking and report your credit card damaged, which will reissue you a replacement card for your damaged card. Your credit card number will not change, and you can continue to use your damaged card until you receive your new card.
