CardValet helps you keep tabs on your Spirit of Alaska FCU credit and debit cards. For example, use the app to stick to a budget, manage business spending, or monitor fraud on your account.
To help you control your accounts, CardValet uses real-time transaction alerts on your phone, gives you the option to set spending limits, and allows you to switch off your card if it’s lost, stolen, or there is fraud activity. CardValet is also fingerprint login and face recognition compatible for ease of use.
Use the CardValet app in addition to the Spirit of Alaska Mobile App. The Mobile App provides transaction information for savings, checking and loans, while CardValet provides improved controls to manage your debit and credit cards.
A mobile app that helps you keep tabs on your debit and credit cards
- Switch your debit and credit cards “off” or “on”
- Set and remove spending limits
- Get purchase alerts in real-time on your mobile device
- Limit transactions to a certain area using your phone’s GPS
- Great for monitoring card-usage in businesses and families
For a smooth installation experience, read these tips before downloading and installing CardValet (link skips to lower page section).
NOTE: To avoid installation issues, before downloading CardValet on an Android device, temporarily turn off Google Protect in your device settings. See instructions from Google to turn off Google Protect.
Verify your contact information on file with us
Verify Email Address and Physical Address
To verify your identity, CardValet compares the information you provide in the app to the information we have on file here at the credit union. If the information doesn’t match, the app cannot verify your identity.
Access to your email address during CardValet registration
One way that CardValet may verify your identity is through sending a code to your email address. If you have issues receiving the code email, which is rare, a Spirit of Alaska representative can help at 907-459-5900.
Temporarily disable Google Protect on Android devices
To avoid installation issues, before downloading CardValet on an Android device, temporarily turn off Google Protect in your device settings. See instructions from Google to turn off Google Protect.
CardValet is a great tool for controlling business spending on a credit or debit card. Spirit of Alaska offers business checking accounts.
- Specify locations where the card can be used
- Setup spending limits
- With merchant code transaction codes, specify what type of places the card can be used, such as a credit card that is limited to fuel purchases.
- Make changes quickly and on the fly using the mobile app
- Turn off the card immediately from the app to protect your business accounts from fraudulent spending or a lost card.
CardValet allows multiple individuals to register a checking account’s debit cards on their app. To register a card, the individual must: be connected to the checking account as a primary or joint member, download and install the app, and have access to the card information.
Because CardValet allows multiple individuals to register a card, the app can help families teach responsible spending to younger members, or create excellent budget reminders through declined transactions. This CardValet feature should be used cooperatively, as any individual with a card loaded on the app can change the limits or restrictions.
Helping Youth Spend Responsibly
Spirit of Alaska offers checking accounts with a debit for teens as young as 13. CardValet can help parents set limits for kids as they learn how to use a checking account and debit card responsibly.
- Add your child’s debit card to your CardValet app
- Specify spending limits
- Limit spending at certain places, such as entertainment venues, or to within a location’s radius.
- Increase communication with your teen on spending habits, and make changes to limits on the fly.
- Receive instant notifications when your teen spends money
- Unless you are working cooperatively with your teenager, we don’t recommend allowing the teenager access to CardValet; they will be able to change or remove any settings created by a parent if they have access to the app themselves.
Budgeting Reminders in Families
CardValet’s spending limits feature can be useful in families by declining transactions that are over the spending limit, and notifying other family members when money has been spent on a card.
CardValet is a registered trademark of Fiserv, Inc.
App store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.
Data charges may apply. Check with your mobile phone carrier for details.
Copyright © 2020 Spirit of Alaska Federal Credit Union. All rights reserved.
Frequently Asked Questions
Which Spirit of Alaska cards can I use with CardValet? Can I add all of my cards?
CardValet can be used with Spirit of Alaska FCU credit and debit cards, including:
- Personal debit
- Personal credit
- Business debit
- Business credit
You can add all of your Spirit of Alaska debit and credit cards to the app, including replacement card numbers.
Does CardValet take cards from other banks and credit unions?
No, CardValet will only connect to your debit and credit accounts here at Spirit of Alaska FCU.
CardValet is dedicated to giving you more control over your accounts with us.
What are the CardValet password requirements?
The password requirements for CardValet are common to most secure password requirements:
- Minimum of 8 characters
- 1 uppercase character
- 1 lowercase character
- 1 number
- 1 special character
How do I load my cards on the app?
After downloading and installing the app on your phone, you will be prompted to
- Enter information for a Spirit of Alaska debit or credit card
- Validate your identity
- Create a username and password to access CardValet
After your first card is sucessfully loaded in CardValet, additional cards may be added by swiping left in the Card Details screen.
Help! I am having trouble creating an account.
If you are experiencing trouble with creating a CardValet account, or loading your card, please call 907-459-5900 during business hours.
Here are a few reasons why you may be experiencing trouble:
- If your information was entered differently than recorded on our systems, or with a mistake, registration is suspended for 30 minutes
- After 3 more incorrect attempts, for security reasons the user will be blocked, and our representatives will need to reset your registration process.
Can I use CardValet on multiple devices?
Yes, you can download and use CardValet on multiple phones. However, alerts will only be pushed to the primary phone on the account.
What does a "primary device" mean?
You can install CardValet and log into your CardValet acccount on multiple devices. One of them will be designated the “primary device”.
The primary device will receive Alerts, while additional devices will not.
Card controls, including on/off and spending limits, will be honored through any device registered with CardValet.
You can change your primary device by accessing Settings > Primary Device.
What type of phone does CardValet support?
CardValet is available for:
- Apple iOS
- Android based devices
The app will generally support the current and 2 previous versions of the operating system. We recommend to set your devide to automatically download and install newly released versions.
Does CardValet work on a tablet?
The CardValet app is not designed to utilize a tablet screen, but may work functionally.
How can I reset my password?
Click the “Forgot Password?” link on the login screen of the app.
The app will prompt for your Username. (this is different than your email address). After tapping OK, a one-time security token will be sent to the email address provided during registration. The token is valid for 15 minutes.
After obtaining the security token, check “I have the security code”. The app will prompt you to to enter the token and choose a new password.
When I receive a new card number, do I need to manually register it in the app?
Yes. Any replacement card numbers or newly created accounts need to be added. You can add cards through swiping all the way to the right, or by navigating to Manage Portfolio > Add Card.
I don't see all of my transactions in CardValet. Why not?
You can track some of your transactions in CardValet. The app will show the last 50 card-based transactions that have posted to your account in the last 30 days.
In short, CardValet only displays transactions conducted with the card itself.
CardValet does not show any transactions done without using the card, such as in a branch with a MSR, online transfers, ACH or Bill Pay.
Your full account history of the last 30 days will be available in our Mobile App. We recommend using both apps to manage your Spirit of Alaska accounts.
I'm interested in using the My Location control. How does it work?
Enable Location Tracking
For the “My Location” control, you must turn on the Location Settings and enable location tracking on your device.
Once it is enabled, the app will compare the location of your primary mobile device against the merchant’s location, as registered with the federal government.
My Location does not affect internet transactions, as it ignores transactions that are not card-present.
My Location Radius
Transactions at merchant locations that are significantly different from your location will be denied, defined as outside of a 5 mile radius of your device.
The app determines your location by assuming you always carry the phone set as your Primary Device. If you leave the phone at home, your transactions may not necessarily be denied. CardValet will also check the proximity of the merchant based on Zip code or city.
Device Turned Off
If concerned about the device being turned off with My Location rules in place, it depends on when you attempt to use the card. CardValet ignores location information more than 8 hours old.
Can I use My Location for my child's card?
No. My Location is only available for the enrolled cardholder. Use the Region Location feature to designate card-use areas for dependent cards.
Will my CardValet controls affect automatic payments on my accounts?
No, previously authorized recurrent payments continue to process and bypass the CardValet edit checks.
Do you have examples on how to use Merchant Controls?
CardValet uses Merchant Category Codes (MCC) for the Merchant Controls section. The codes are generally correct from store to store, but it is possible that a retailer will forward a MCC that differs from the CardValet classification.
Currently supported merchant types include:
- Department Stores (Department stores, general-purpose shopping)
- Entertainment (Movie, theater, games)
- Gas Station (Gas stations)
- Groceries (Grocery Stores, discount stores and pharmacies)
- Household (Household contractors, home improvement stores)
- Personal Care (Personal Care stores)
- Restaurants (Restaurants, fast food)
- Travel (Airlines, trains, taxicabs,hotels, railroads)
- Other (All other merchant types)
Check Merchant Code
You can check the merchant code of any particular store you frequent. Access a transaction from that store in CardValet, and look for the merchant code information provided in parenthesis.
Why to use Merchant Controls
Merchant Controls can be used for accountability or budgeting purposes. If you want to deny or limit spending at entertainment outlets, for example, you can do so using the Merchant Controls.
Families may find it useful for limiting dependent spending to gas only, or solely to eat out a restaurant.
- Which Spirit of Alaska cards can I use with CardValet? Can I add all of my cards?