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.

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

After downloading and installing the app on your phone, you will be prompted to

1. Enter information for a Spirit of Alaska debit or credit card
2. Validate your identity
3. 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.

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:

1. If your information was entered differently than recorded on our systems, or with a mistake, registration is suspended for 30 minutes
2. After 3 more incorrect attempts, for security reasons the user will be blocked, and our representatives will need to reset your registration process.

Yes, you can download and use CardValet on multiple phones. However, alerts will only be pushed to the primary phone on the account.

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.

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.

The CardValet app is not designed to utilize a tablet screen, but may work functionally.

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.

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.

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.

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.

Internet Transactions

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.

No. My Location is only available for the enrolled cardholder. Use the Region Location feature to designate card-use areas for dependent cards.

No, previously authorized recurrent payments continue to process and bypass the CardValet edit checks.

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.