What is CardValet?

CardValet is a debit and credit card management tool that enables cardholders to control when, where and how their debit and credit cards are used. For example, one feature of CardValet provides the ability to instantly turn your card “On” or “Off” and control card usage instantly through your mobile device.

What types of phones are supported by CardValet?

CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

What type of transactions display in CardValet?

CardValet only shows the transactions that are performed once a card is registered. It does not show checks, ACH, teller transactions, bill pay transactions, or activity on cards that are not registered. You must login to SNB’s business online or mobile banking app to review the full history of all transaction types.

How much does CardValet cost?

CardValet is a free service, however, message and data rates may apply.

Does CardValet reflect the card status?

Yes, the Card Details screen displays the card status.

Does CardValet work for ATM cards?

No, CardValet currently supports debit cards and credit cards, but not ATM cards.

How long does the app stay logged in if you don’t log out?

The app automatically logs you off in 15 minutes.

What if I forgot my username or need to reset my password?

There is a forgot password link provided within the login area to reset your password. If you need additional help or need to find your username, we’re happy to assist. Please contact us at 402-449-0987 during regular business hours, and we can help.

Do I still need to report my card as lost/stolen even if I registered my card in CardValet?

Yes, you should always report a lost/stolen card to avoid any fraudulent activity. We will block your lost/stolen card to ensure it cannot be used.

How is the lost card number removed?

The old card cannot be removed by selecting Edit Cards on the Card Details screen and then uncheck the card.

On the Login screen, why is the message Logon Failed. Please enter a valid username or password displaying even though the user is entering the correct password?

Each time you enter an incorrect username or password this message displays. On the third attempt your account is disabled; for security reasons the message continues to display even if you enter the correct username/password. To reset, please contact us at 402-449-0987 for assistance.

What if I have another question?

If you have other questions not answered here, you can contact a banker at 844-SNB-1964 or at info@snbomaha.com.

What are the CardValet password requirements?

CardValet passwords must be at least 9 characters in length and must contain at least: 1 upper case character, 1 lower, case character, 1 number and 1 special character.

If a street address is longer than 20 characters – what should be entered?

Enter the first 20 characters of the street address. This address needs to match what was provided to Security National Bank.

What if I am having issues registering and cannot get past the SSN/EIN?

Make sure you are using the tax ID associated with your company. In some cases, it may be the cardholder's social security number depending how the card was initially set up. Also, make sure that there are no dashes in the SSN/EIN field. If there are, remove them and try again. If you continue to have problems registering, then please contact us at 402-449-0987 during regular business hours for assistance.

Can multiple cards be linked to one registered CardValet account?

Yes. Cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the Menu>Manage Portfolio>Add Card screen. There is a limit of 15 cards per application. 

When I receive a reissued or replacement card, will I need to update my cards within the application?

If the card number is new, then you must add the new card number to your profile. In addition, you may un-manage the old card by selecting Edit Cards on Card Details screen and then uncheck the card.

When loading a card on a device, what type of information do I need in order to register each card?

You’ll need to enter the same level of detail entered for the original card. This information generally includes:
• the card number
• address & zip code (use of abbreviations must match how the card was set up i.e. Street or St., Suite or Ste.) 
• the last four digits of the company tax ID or the cardholder's social security number dependent on setup
• expiration date
• CVV/CVC code (Company Administrators may contact us for this number)
Multiple individuals 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.

Can I unsubscribe from CardValet?

Yes, you can unsubscribe through the CardValet application by selecting Edit Cards on the Card Details screen and then uncheck the cards. When you unsubscribe, all of the previously set alerts and controls are no longer in effect.

Can I re-enroll in CardValet if I previously unsubscribed? ?

Yes. To re-activate after you have unsubscribed, you must register as a new user, which requires you to select a new user name and re-register.

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

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

Will location controls, merchant controls, threshold controls, and turning the card “Off” impact previously authorized recurring transactions?

Previously authorized recurrent payments will continue to process and will bypass the CardValet edit checks. 

What exactly is the range of the “My Location” controls, and will this control setting impact internet transactions?

The “My Location” controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within CardValet. These controls impact in-store transactions only, so internet transactions are not impacted.

A region has been set on the map. Does this mean the card can only be used exactly in this region?

The region shows the approximate area where the card can be used. CardValet 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 CardValet will default to a state-level match.

How are controls established for various merchant types?

Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes (MCC). Please note that it is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others.

Can I block all international transactions?

Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

How do I turn on alert/control for an ATM transaction?

ATM transactions are categorized within the “Others” merchant type.

Are the alerts sent as email or push notifications to the device?

CardValet alerts are sent as push notifications to the phone. The alerts also display under Messages in the CardValet app.

Why did I receive an alert for a denied transaction if it was not set?

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

When is the low balance alert generated for debit cards ?

CardValet updates the balance under two conditions: 1) When you log into CardValet, and 2) When you tap “Refresh.” Even if the balance has fallen below the threshold that has been set on the debit card, it is only updated when you log into the app or tap “Refresh,” which then triggers the alert.

Why are Balance Inquiry transactions generated when I log on to the CardValet app?

When you log on to the CardValet application, a Balance Inquiry transaction is performed to retrieve and display the balance. A balance inquiry is performed on every account listed in your card record. The application will not initiate more than one balance inquiry within 30 minutes even if you press the Refresh button.

If I set multiple alerts and a transaction violates these alerts will I receive a separate message for each alert?

No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and Location settings then you will see only one alert and not multiple alerts.

If I set an alert for international transactions and no controls are set, will I receive alerts for all international transactions regardless of whether the transaction is blocked or successful?

Yes, an alert is generated regardless of whether or not a control preference is set.

Why are alerts sent on a card reported as lost/stolen or on a closed card account?

CardValet will keep card notifications even if the card account is closed. These are attempts to use your closed card. To stop all notifications on a closed card account, simply delete the card in CardValet by selecting Edit Cards on the Card Details screen and then uncheck the card. Be sure to register your new cards right away.

Does the app show recent transaction history?

Yes. The app shows last 50 card-based transactions posted within last 30 days.

What type of transactions display in CardValet?

CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account without using your card, such as teller transactions or bill pay on the account.

Will the balance be updated to include teller transactions?

The balance will be updated to reflect the teller transactions when the account processor supplies the updated balance. The balance is then updated the next time the user logs into CardValet.

When does the 30 days of transaction history begin?

The 30 days of transactions begin when you register your card in CardValet. The app does not “look back” at transactions that occurred prior to you registering in CardValet.

What is included in Spent on card this month?

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.

Why is a transaction denied for My Location or My Regions when the merchant is physically located within the boundaries?

When performing an edit check on My Location and My Regions, CardValet 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 CardValet. 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 CardValet edit checks since the information is not within the set boundaries

A threshold limit of $50 has been set, but I can fill gas in some stations for more than $50. Why?

CardValet controls are only invoked during authorization of a transaction. In some cases, such as gas stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will pre-authorize for a maximum amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.