Introducing CardLock: Your Tool for Greater Financial Control
Take Control of Your Cards Anytime, Anywhere.
CardLock is People’s Community Federal Credit Union’s free card management app designed with families like yours in mind. It gives you flexibility and visibility across your cards, yours and anyone else’s on your account. Turn cards on or off instantly, set spending controls, and receive real-time alerts all from your phone.
The app connects directly to your existing People’s Community Federal Credit Union mobile banking account, so there’s no new login to remember. Just download, sign in, and start managing.
Features
Instant Card Lock & Unlock: Disable or enable any card with a single tap.
Real-Time Transaction Alerts: Get notified the moment a card is used.
Merchant Controls: Choose which types of businesses cards can be used at.
Transaction Type Controls: Allow or restrict in-store, online, automatic payments, or ATM use.
Multi-Card Management: Add and customize settings for every card on your account.
Transaction Tagging: Label purchases as personal, business, or family spending.
Transaction Memos: Add notes to individual purchases for easy tracking.
Location Details: See where in-store purchases were made.
Declined Transaction Alerts: Know immediately when a purchase doesn’t go through.
Know Where Your Money Goes
CardLock sends real-time notifications every time a card is used. These alerts include helpful details like the merchant’s name, the type of business, the transaction amount, and even whether the purchase was made online or in person.
For in-store purchases, you can see the address where the transaction took place. Some merchants even provide Terminal IDs for added detail.
Set Boundaries That Work With Your Family
With merchant controls, you decide where cards can be used. Limit spending to grocery stores, gas stations, and restaurants. Or customize it however you like!
Transaction controls let you choose whether each card works for in-store purchases, online shopping, automatic payments, or ATM withdrawals.
Lose your card?
No phone calls, no hold music, no stress. Just turn any card off instantly from wherever you are with just a tap. When you find it (hopefully just tucked in a pocket), turn it back on easily. If you don’t find it though, contact member services to block the card permanently.
Other Frequently Asked Questions
Yes, CardLock is a free service provided to People’s Community Federal Credit Union members as part of our commitment to helping families achieve financial wellness and preventing fraud.
Yes, any card belonging to anyone on any account linked to your mobile banking can be added to CardLock.
CardLock sends notifications for all card activity, including declined transactions. You’ll know immediately if a purchase exceeded a spending limit or fell outside your established controls.
Absolutely. CardLock lets you personalize controls and alerts for every card in the app.