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HRCU Better Card Controls

  1. HRCU Better Card Controls is an easy-to-use tool that helps you manage your finances by controlling how, when and where debit and credit cards are used through the app.

    With HRCU Better Card Controls, you can turn your card “On” or “Off” and control card usage and spending, all through your mobile device.

  2. ATM transactions are categorized within Others merchant type.

  3. The old card cannot be removed but you can un-manage the card via Manage Portfolio.

  4. Yes. If your card number, expiration date or security code changes then you must add the card to your profile. In addition, you may hide the old card. Both of these functions are accessible in Manage Portfolio.

  5. The app automatically logs off after 10 minutes of inactivity.

  6. Yes. You can register multiple cards within a single app. Additional cards can be added within the Menu>Manage Portfolio>Add Card screen.

  7. HRCU Better Card Controls performs a proximity check of ZIP code or city, so if the merchant is close to home then the transactions will still go through.

  8. When performing an edit check on My Location and My Regions, HRCU Better Card Controls compares the geographic location of the mobile device as well as the Merchant’s information that is sent within the transaction. The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within HRCU Better Card Controls. It is possible for the merchant to use an address that is not the same as the physical location of the merchant i.e. Corporate or Regional address. In these instances, the transaction will bypass the HRCU Better Card Controls edit checks since the information is not within the set boundaries.

  9. No. HRCU Better Card Controls currently supports debit and credit card transactions.

  10. Spent this month displays on the back of a specific card, when clicked on, and is the total amount that is calculated from the cumulative spending for that card. At the end of the month, the total resets to zero (0). Deposits and refunds are deducted from the total.

  11. You will not need a specific password for HRCU Better Card Controls as sign in is completed through the HRCU Mobile app.

  12. The primary device is used to track the GPS for “My Location” alerts and controls and 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 HRCU Better Card Controls 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.”

  13. Yes. Please contact Member Support at (603) 332-6840 or .

  14. International transactions are blocked by HRCU by default. If you are travelling internationally you must let HRCU know.

  15. HRCU Better Card Controls alerts are sent as push notifications to the phone. The alerts also display under Messages in the app.

  16. Yes. There are multiple ways that you can unsubscribe from HRCU Better Card Controls. You can unsubscribe through the HRCU Better Card Controls application via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK.

    HRCU can also unsubscribe you from HRCU Better Card Controls on your behalf.

    When you unsubscribe, all of the previously set alerts and controls are no longer in effect.

  17. 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.

  18. Yes. The new card number must be registered. The replacement card is added to your profile via Menu>Manage Portfolio>Add Card.

  19. You must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. In the login page, the logo of the last logged-in financial institution shows.

  20. You will need to enter the same level of detail entered for the original card. This information generally includes the:
    -Card Number
    -Address
    -ZIP code
    -Expiration Date
    -CVV/CVC Code

    Secondary authentication includes:
    -Security token sent in an email
    -Last 4 digits of the social security number

    Depending on your smart device, you may be able to scan your card using your device's camera. If device is capable you will see a scan icon on your card number line.

    Multiple account holders can register the same card as long as they know the card details. Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.

  21. Each account holder who registers a card will have access to controls for the card. In many cases, the child will not know about HRCU Better Card Controls unless the parent shares the information.

  22. The My Location controls and alerts will check to ensure the merchant location is within a 5-mile radius of the primary device. These controls impact card present transactions only, therefore internet transactions are not impacted. If a merchant’s location is causing you to be declined you may need to disable the location setting.

  23. The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. HRCU Better Card Controls 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 HRCU Better Card Controls will default to a state-level match.

  24. Control settings take effect as soon as the Updating information message in the app stops.

  25. You can set the Do Not Disturb time that will suppress notification during the set time. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.

  26. Alerts are always sent for denied transactions, a deposit or refund, when a shared user changes a control setting, or if the card status changes.

  27. Yes, please click here to view the Privacy Policy.