Card Alerts

Card Alerts allows issuers to provide cardholders with the ability to control how, when and where their payment cards are used. Consumers want a simple and secure way to protect them from fraudulent transactions and they want it now. Card Alerts real-time transaction alerts and controls both meet and exceed these consumer expectations.

Benefit to You:

Card Alerts offers features to cardholders that give them ultimate control – and peace of mind. Cardholders can customize each card to match its usage profile using the features and preferences below:

  • Reduce Fraud Losses – Cardholders can turn their cards on/off by payment channel (in-store, online, mobile, ATM, auto pay, etc.). Real-time transaction alerts will provide instantaneous payment information to help cardholders protect themselves.
  • Reduce Call Center Costs – Cardholders can set locations, spend limits, merchant types, transactions types, get history and balance information all without having to place a call and speak to a support representative.
  • Improve Customer Service – Self service functions, real-time transaction alerts and controls will provide cardholders with a superior experience that will increase satisfaction and help improve retention rates.
  • Increase Card Usage and Spend – Real-time transaction alerts and controls will provide cardholders with a method to protect their payment information. The confidence and peace of mind provided by this service should make these types of cards the preferred choice of consumers.
  • Exceeds Industry Mandates – Real-time transaction alerts exceed the recent industry requirements.

Card Alerts Features:

  • Turn entire card on and off or by channel (in-store, online, mobile, ATM, etc.)
  • Set transaction spend limits
  • Select geographic locations where the card can be used
  • Set merchant locations
  • View recent transactions
  • Receive alerts

Card Alerts FAQ

INTRODUCTION AND REGISTERING

What is Card Alerts?

Card Alerts is a new mobile app that allows you to control how, when and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. Card Alerts can help keep your payment cards safe and provide instant notifications whenever your card is used.

What is required to use it?

Card Alerts requires you have a credit and/or debit card account issued from Citizens National Bank. You will also need an Apple or Android smartphone. After downloading the Citizens National Bank app you will be instructed to register your card and set alerts.

Is there a fee to use the app?

No. It is provided to you at no charge so you have more control over your card.

How many cards can I register?

Unlimited. But the card(s) must have been issued from Citizens National Bank.

How do I get the Card Alerts app?

It is simple. The Card Alerts feature is integrated within the Citizens National Bank mobile banking app. If you have an iPhone just download the app from the Apple store. If you have an Android phone you download the app from the Google Play store. Once the app has successfully downloaded to your smartphone you can begin to register your cards.

What kind of cards can I register?

Debit and or credit.

What kind of mobile devices are supported?

Android – version 4.1 or later and Apple (iOS) – device model 4S, 5, 5C, 5S, 6, or 6 Plus with iOS operating system version 6, 7, or 8 and all future device/release going forward.

What if I am having trouble during registration?

Please use the Contact Us button at the bottom of the landing page and one of Citizens National Bank’s support agents will be more than happy to assist you.

Why do you need my email address?

Your email address is needed in case you forget your password and need to reset it.

CONTROLS & ALERTS

Once I register my cards how do I begin managing and monitoring my payment activity?

You can begin using the service immediately. By turning the card off the little green button in the top right corner of the card image will turn to red. This means that all transactions (expect for reoccurring) will be declined. When ready to make a purchase simply turn the card bank on. It is that easy. Now you have the ultimate control to combat fraud.

After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.

By turning my card off am I closing my account?

No. Using the card controls does not change the status of your account.

How long does it take for a control or alert setting to take effect?

It happens immediately after you set and save the option.

If I have my card turned off will my recurring transactions go through?

Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.

What is a real-time alert?

It is an immediate notification sent to the app. You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Preferred alerts are available by spend limits, location, transaction type and merchant category.

Can I use My Location, My Region and International at the same time?

Where My Locations and My Region work independently or together neither can be used in conjunction with International.

I turned my card on and set My Location. I was at the merchant, and my transaction was still declined. Why?

In the app go to Transactions, find the one that was denied and open it, tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.

My alerts are supposed to notify me of every transaction, but I am not receiving them.

Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

Why do you need my email address?

Your email address is needed in case you forget your password and need to reset it.