Consumer Debit Card Controls

Consumer Debit Card Controls What enhanced card management options are available within the online banking and the ANB Bank Mobile Banking App? Our enhanced card management options allow you to: <ul> <li>Lock/unlock your cards </li> <li>Limit transactions by location, merchant, transaction type or dollar amount </li> <li>Easily add cards to mobile wallets (Apple Pay® and/ or Google Pay™) </li> <li>View subscriptions tied to a card and see where cards are stored online </li> <li>Stay informed with alerts </li> <li>View your spending via easy-to-read graphs </li> <li>Get in-depth transaction details </li> <li>Report lost or stolen cards </li> <li>Set up and manage travel plans </li> <li>Activate your card when it arrives </li> </ul> How do I get started? Simply log in to your online banking or ANB Bank Mobile App and tap “My cards” menu item to get started. Any active debit card under your name will automatically populate. Can multiple cards be linked to one Online Banking account? Yes, multiple cards from our institution can be accessed via one Online Banking account. When I receive a reissued or replacement card, will I have to update the cards within the application? No, the card will be automatically updated within our digital banking platform. Can I add my ANB Bank credit cards to the Mobile App? No, our credit cards are not able to be added at this time. Can I add other financial institutions’ debit or credit cards to the Mobile App? No, only our institution’s credit/debit cards are supported. What if I don’t see “My cards” in the Mobile App? For some users, if your personal accounts are tied to your business accounts, you will not see the My Cards menu item. Your debit card will need to be managed with the CardValet. What type of transactions are displayed/enriched? Transactions made with your cards are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not shown within the My Cards area. Enriched data includes the merchant’s name, logo, address and more. Does the app show recent transaction history? Yes, the app shows the last 50 card-based transactions posted within the last 30 days. What card controls are available? Via our online banking or ANB Bank Mobile App, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a customer service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed. Can I add my ATM card to my card controls? No, ATM cards cannot be added to My Card Controls. Can I add my card to my Mobile Wallet? Yes, the ANB Bank Mobile app currently supports adding your ANB Debit Card to either Google Pay™ or Apple Pay® depending on your device. I will be traveling several times in the next year. Can I enter all of my travel plans at once? The app allows you to set two travel plans at a time with a maximum duration of 15 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 15 days. Can I block all international transactions? Yes. International transactions can be blocked under location controls. All transactions outside of your specified country of residence will be blocked. Does Block International also block international Internet transactions? No, location controls are for in-store purchases only. I have an authorized recurring transaction set for my debit card. Will any of these controls impact this transaction? No, any previously authorized recurrent payments will continue to process. Will changing location controls, merchant controls, and spend controls impact previously authorized recurring transactions? Previously authorized recurring payments will not be affected by the card controls. How long does it take for a control or alert setting to take effect? Control settings take effect immediately. How are alerts delivered? Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app. How can I turn off notifications at certain times, while I’m sleeping? You can set the Do Not Disturb time that will suppress notification during that time frame. Some notifications will still be delivered, for example, any transaction denial or any transaction that is a card-present authorization. How do I unsubscribe to alerts for card controls? Alerts are set through the My Cards section. You can turn off any alerts in the Alerts section. If I have set an alert for international transactions but no controls are set, will I receive alerts for all international transactions? Yes, an alert will be sent for all international transactions, whether they are allowed or denied. If I set multiple alerts and a transaction triggers more than one, will I receive a separate message for each alert? No, alerts will all be included in one message. What if I leave my phone at home and my Locations settings are on? If you are within certain proximity of the device the location settings may not impact your purchase. If you are too far away and outside of a certain range, then your transaction will be declined. A spend limit of $50 has been set, but my card gets denied at some gas stations. Why? Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied. What’s the difference between “Card on File” and “Recurring Payments”? “Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps. I see a transaction I don’t recognize. What should I do? Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen. If then you still are unfamiliar with the transaction, contact us at 866-433-0282.